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Why?
Crest
Financial Services has been accredited as a
Certified Quality Advice practice, in recognition of
our proven ability to consistently provide the
highest standards of comprehensive financial advice
to our clients.
Crest has a blend of
youth and experience in our dedicated team of
Advisers and support staff. Our years of experience
have nurtured business and professional
relationships with market leaders in funds
management, strategy development and product
services as well as the related disciplines of
accounting and law.
The combination of in-house technical skills and
access to a diverse range of external consultants,
enables our highly skilled Advisers to develop
strategies and advice, based on the latest
legislative changes, resulting in superior service to our clients.
When
Crest
Financial Services provides comprehensive financial
solutions to the entire community from young
individuals and families just starting out in life's
financial journey, to those wishing to grow wealth
more aggressively. To those preparing for retirement and finally,
providing solutions for a comfortable retirement.
Whether
it is personal or business advice required, we
provide solutions that will not only maximise the
efficiency and benefits of your resources, but also
protect your wealth to ensure your financial goals
are achieved, now and into the future.
How
Crest
Financial Services offers a comprehensive process of
advice that will allow us to understand
your personal needs and goals, then develop and
implement a strategic plan that will assist you in
achieving what is most important.
Our
individually tailored review service offer, ensures
that your plan remains on track to achieve your
financial goals as you travel the winding road of
your financial life.
Our Clients
Individuals
Corporations
Small
Business
Accountants & Solicitors
Our Services
We offer a wide range of services
including:
·
Diversified & tax effective investment planning
·
Savings & wealth creation strategies
·
Life insurance & risk assessment
·
Estate planning
·
Superannuation, rollover and investment vehicles
·
Retirement and pre-retirement planning
Our Fee Structure
Initial
Appointment
At our initial appointment we will, in general terms,
describe some of the various options available to
you before you decide whether you wish to proceed
with the preparation of a financial plan.
Plan Preparation
Should you wish for
us to prepare a plan for you, we will complete a
client questionnaire to obtain information on your
current situation and examine your personal and
financial objectives. We will then provide you with
a written plan and recommendations.
Initial
advice fee options
-
The fixed rate
advice fee ranges between $500 & $10,000
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The hourly
advice rate is $330 (maximum) per hour.
-
The fixed rate
ranges between 0% and 5.5% of your investment
value.
In exceptional cases, additional fees
may be charged or received. These will be fully
detailed in the Statement of Advice.
Implementation fee options
These costs cover the administrative
time spent implementing the recommended strategies
and products.
-
The fixed rate fee ranges between
$500 and $10,000
-
The hourly advice rate is $330
per hour
-
The fixed rate ranges between 0%
and 5.5% of your investment value
In exceptional cases, additional fees
may be charged or received. These will be fully
detailed in the Statement of Advice.
Ongoing
advice fee options
-
The fixed advice fee ranges between $500
and $10,000
-
The hourly advice rate is $330 (maximum) per
hour
-
The fixed ranges between 0% and 2.0% (usually
1.1%) of your investment value
In certain circumstances the ongoing
advice fee may be a higher or lower percentage due
to the level of funds under management. This will be
fully detailed in the Statement of Advice and
ongoing Advice Agreement.
C ommissions
Initial
and ongoing commissions may be paid by fund managers
and life companies in association with product
recommendations. These commissions may be as
follows:
· Initial commission of up to 10% may
be payable for certain agribusiness investments.
·
Insurance commissions are factored into the premium
costs and range between 11% and 125% of the initial
premium, and between 0% and 40% per annum of the
renewal premium.
·
Ongoing commission is factored into the product
costs for superannuation and investments and ranges
between 0% and 0.80% per annum. It is generally
calculated and paid based on the monthly investment
balance.
All
applicable fees, commissions and/or brokerage will
also be fully detailed in the Statement of Advice
you receive. All fees disclosed are inclusive of
Goods and Services tax.
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Working
Together For Your
Future |
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