Wealth / Risk Management
Our financial services practice was established in 1999 and is wholly owned by the partners of Miller Gale & Winter.
This independence allows us to give unbiased advice.
We fiercely hold on to our most precious possession...........independence.
We work closely with your accountant to ensure we have a complete picture of your financial situation from which we can develop a personalised program to meet your objectives.
Our service includes the following:
1. Investments
a. Obtaining an understanding of your circumstances, plans and goals.
b. Evaluate your nett worth, asset allocation and cashflow needs.
c. Refine the plan based on your age, financial requirements, tolerance and family situation.
d. Monitor and report to you on your investment activity.
2. Preserving & Transferring Wealth
a. Develop tax effective gifting programs using companies, trusts and other entities. Consider your estate plans to capitalise on any tax advantages to ensure that your beneficiaries retain their appropriate share of the assets.
b. Provide sufficient liquidity for yourself and ultimate beneficiaries.
3. Income Tax Planning
a. Ensure that you and your family keep more of your income using effective tax planning.
b. Alert you to changes in tax to minimise the impact and draw your attention to any opportunities. Deliver national and international tax planning using the appropriate tax experts.
4. Retirement Planning
a. Forecast whether you have adequate financial resources to maintain or improve your expected standard of living at retirement and take steps to optimise your position.
5. Education Planning
a. Determine education requirements and estimated expenses for your children.
b. Set up education funding for children or grandchildren through using trusts or other entities.
6. Insurance Planning
a. Determine if you have sufficient life, disability and long term care insurance.
b. Suggest a most effective type of life insurance coverage by using term, whole of life policies.
c. Source competitive premium rates from reliable life assurance companies.
7. Business Insurance
a. We also advise on business insurance requirements such as key-man insurance and buy/sell agreements.
If you want enduring financial security for you and your family, contact us to discuss how we can help add value to your financial position.
Investment services, business and personal risk management services are provided under the name of Broadbase MGW Limited.
Our advice is built on years of in-house experience, our membership of Broadbase Group and together with the outsourcing of research and complimentary services.
Through our association with Broadbase we can benefit from a national practice of financial planners and investment advisers with offices throughout the country.
Broadbase and Miller Gale & Winter, working together for your financial wellbeing.
For more information, please contact Chris Clark (Director)
or Heather Elliott on invest@hfs.co.nz