At HOLST we believe that obtaining appropriate financial planning advice is crucial in ensuring that your financial planning needs are met. We also believe your understanding of the advice given is as important as the quality of advice itself and devote considerable time and energy to ensure that you achieve this objective.

We believe that comprehensive and well considered financial planning advice should take into account the following parameters:

• Tax planning issues. This includes consideration of which tax entity investments should be made in as well as ascertaining appropriate tax planning strategies.
• Superannuation issues including understanding the tax, practical and compliance implications of investing in superannuation.
• Retirement planning issues.
• Social Security issues.
• Devising appropriate asset allocations taking into account a person's risk profile.
• Estate planning issues.
• Risk management issues.
• Selecting the most appropriate investment vehicle. For instance should a client use unlisted managed funds, listed managed funds or direct shares?
• Selecting appropriate investments.

Financial planning objectives and goals may include:

• Organising your financial affairs in the most tax effective way.
• Maximising or obtaining social security entitlements.
• Wealth creation to meet retirement needs or other specific economic or monetary goals such as the purchase of a home or meeting children's educational costs.
• Maximising income from investments.
• Providing for dependent's needs.

Articles and Reports
Comprehensive reports and articles on Financial Planning can be found under the Research section of this website.