Our Services

Products

- Direct Equities
We can provide you with advice on the suitability of your direct share portfolio and assist in the reconstruction of a portfolio so as to bring it in to line with your 'risk profile', ensure it is appropriately diversified and achieve the level of performance you are after.

- Managed Funds
A range of different 'managed funds' can be sourced and analysed so as to provide you with exposure to unique and specialist areas of investment, such as international shares, small companies, geared share funds, hybrid fixed interest securities and either country (such as China) or sector (such as resources or technology) specific investments.

- Structured Financial Products
Exclusive opportunities in the field of structured financial products are available to clients of IPS Financial Services. We continually research and assess a wide range of capital protected and capital guaranteed products, which combined with various finance options, can have the potential to greatly accelerate the growth of your accumulated wealth (or help you access it if you don't have immediate access to substantial cash holdings).

Services

- Devising specific investment strategies for the Trustees of Self Managed Superannuation Funds and private individuals
In consultation with your superannuation specialist, we can devise and construct a sophisticated and personalised investment solution for your self managed superannuation fund, or your personal monies, so as to bring your investment portfolio together with your goals and objectives and provide a real and meaningful strategic solution to your investment needs.

- Comprehensive, tailored financial solutions, for your longer term wealth creation needs
Are you unsure as to how much is 'enough' to retire on? Maybe you are confused as to what your options really are and where you want to be - now, in five years time and beyond.

At IPS we can work with you to explore your future goals and aspirations and present you with a range of options, complete with all risk and benefits of each, to help you make an informed and considered decision as to what is right for you.

Service Packages

It is important that your investment portfolio is reviewed on a regular basis to confirm that it continues to meet your investment objectives. It should be updated in response to changes in your circumstances and other factors, such as superannuation regulations, taxation and market conditions. In order to assist you with the review process, we provide the following innovative packages. With the help and support of our team, these packages will assist you in confidently working towards your financial goals. Our team includes; administration, research, technical, compliance and investment specialists to ensure quality advice and service delivery.

Below is a brief overview of our four service offerings:

The Basic Review Service provides a framework for us to deliver a basic service to you. This level suits investors who may be happy to set and forget their investments and only require an annual review.

Our Essential Review Service delivers a slightly higher level of contact with our team. A quicker response time to your enquiries and a slightly higher number of adviser meetings are offered.

Our Must Have Review Service is designed for the investor with significant assets under advice. This investor wants regular adviser contact and timely response to enquiries. An investor interested in investment opportunities in the shape of new funds or emerging opportunities is also suited to this service level.

Our Ultimate Review Service is suited to the investor with significant assets under advice and a thirst for further opportunities to diversify their portfolio. The superior qualities of this service level are the enhanced response times to enquiries and access to senior advisers almost exclusively - this suits clients who like to challenge their advisers to deliver results and who like to be ahead of the pack

Life Insurance

"Term Life insurance pays a lump sum benefit on the death of the insured person"

The purpose of Life Insurance is to:
- Repay debts;
- Cover capital gains and tax liabilities;
- Cover dependants from the loss of income provider;
- Secure a business.

Who would benefit from having life insurance?
- Anyone who has financial dependents;
- Anyone who has a mortgage or financial debts.

"A debt should last no longer than the person who created it"

Total & Permanent Disability

Total & Permanent Disability Insurance provides a lump sum of money to a person who becomes totally & permanently disabled as a result of illness or injury.

The purpose of Total & Permanent Disability is to:
- Cover the mortgage or pay other debts;
- Protect the business against loss of sales and profits;
- Maintain business lines of credit;
- To provide an income stream;
- To provide money for home modification.

Who would benefit from having Total & Permanent Disability insurance?
- Anyone with financial debts;
- Anyone who relies on their income;
- Anyone with savings goals who relies on an income that would stop if they were permanently disabled.

70% of working Australians will at some point suffer from a long term medical condition as a result of a sickness or accident which lasts or is expected to last 6 months or more.

Trauma Insurance

Trauma insurance pays a lump sum of money to a person who suffers a major health trauma.

The purpose of Trauma Insurance is to:
- Pay for specialist or international medical attention;
- Cover the cost of modifications to the home; and
- Avoid financial stress in recuperation.

Who would benefit from having Trauma Insurance?
- Anyone who would need financial help in the case of sudden illness;
- Anyone who would like to be financially able to have time off work if they suffered a trauma.

Did you know?
There is an 80% chance you will suffer a trauma and survive?
How will you cope with the expenses that arise from your inability to work?
With regards to trauma insurance you are insuring against a probability not a possibility!

Income Protection

Income protection insurance will pay a regular income to a person if they are unable to work due to sickness or injury. The maximum benefit that will be insured is usually 75% of a person's income.

The purpose of Income Protection is to:
- continue an Income Stream to meet personal and daily living expenses ;
- To provide ongoing ability to maintain other protection, savings, investment and retirement plans.

Who would benefit from having INCOME PROTECTION insurance?
- Anyone who relies on their regular income to live.
- Self employed people who may not have the benefit of employer superannuation.

Did you know?
"28% of all mortgage foreclosures are due to accident or illness" (Jeffrey Scott, Executive Manager Business Growth Services, CommInsure)

Business Insurance

Buy/Sell Agreements can be the foundation of a successful business succession plan. If a principal suffers an event such as death, TPD or trauma then the buy/sell agreement provides for the business to pass to the remaining partners on pre-arranged terms. This agreement provides an important degree of certainty over exactly how the business assets will be dealt with in a legally binding manner. International Professional Services have close ties to Small Myer Hughes with reference to legal matters and wills.

Did you know?
People spend 9% of their income towards securing an income for AFTER their working life, i.e. Superannuation. On average people spend just 3 to 5% of their income to secure their income for DURING their working life!