How we do it

Our extensive knowledge and experience allows us to understand what is important to our clients. Along with our collaborative approach of working with our clients’ other professionals.

The Panoramic Experience

Our collaborative approach is a key component of the success of the financial strategies for our clients. We look to work with our clients’ existing financial professionals (Accountant/Lawyer/Broker & Banker) to ensure that all parties are working for our clients’ goals. This provides our clients with a breadth of knowledge and expertise from people they know and trust.

If our client’s do not have or need to change their existing professionals we have access to a range of high quality professionals in tax and accounting, law and estate planning, SMSF administration and finance and mortgage broking. 

Case Study - Medical Specialists

Mark & Grace

"We are looking for someone who understands what is important to us, and will help us along the way."

mark-grace

Mark is a medical specialist and Grace is working part-time. They earn more than $350,000, and are in their early 40s. They have three children in private school. They have built up a reasonable level of wealth over the years, but are not sure that they are maximising their opportunities. They want to manage their cash flow to fund their children’s private school expenses and be able to enjoy the lifestyle they want in retirement.

Protect their family and lifestyle

We spent some time helping Mark and Grace understand what they wanted to occur if Mark was no longer able to work or in the event of death. We also considered the impact if Grace was no longer able to work or - more importantly - run the household. This enabled us to develop a package of cover to protect them now and into the future. 

Collaborated with other professionals

We collaborated with other professionals already in Mark and Grace’s lives in order to tailor a holistic financial outcome for them. We worked very closely with their accountant to determine taxation impacts. We also consulted with other professionals including bankers and lawyers.

Prepare for Retirement

We helped Mark and Grace define what they wanted to achieve in their retirement. This enabled us to develop a strategy for them using salary sacrifice into their superannuation to ensure that they would have enough funds to meet their retirement goals as well as having sufficient cash flow to meet their current lifestyle and children’s education requirements.

“Our main concern was to make sure that if anything happen to Mark the family could survive.  The collaborative approach really appealed to us as we have an accountant and banker, now we know that they are all working for us. We wanted to know whether we had enough money to retire and how we were going to get there. We liked the idea of flat fee for the upfront and ongoing advice rather than the unpredictable ongoing costs that we had encountered before”.

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.

Case Study - Executives & White Collar Professionals

Adam & Lisa

"We are looking for someone who can help to explain the options to us for achieving our retirement and to keep us up to date with all the changes to super."

mark-grace

Adam and Lisa are an executive couple working in the government, they are in their early 50s, with two adult children living at home and at University. Adam and Lisa have a WA Government Super (Weststate) and they are looking to maximise their super to have the lifestyle they want in retirement.

Protect their family and lifestyle

Adam and Lisa advised us that now their children were likely to leave home in the next five years, they want to take more holidays and live life more. We spent some time discussing the importance of making sure that they put strategies in place to make sure that they could achieve these goals and have the lifestyle they wanted now and into the future.

Collaborated with other professionals

Adam and Lisa hadn't used an accountant or a lawyer before. In order to tailor a holistic financial outcome for Adam and Lisa we introduced them to an accounting firm for their tax needs and a lawyer for their estate planning – both of whom we know and trust. Adam and Lisa have a banker they work closely with and we made sure they were involved in the process.

Prepare for Retirement

Adam and Lisa work for the WA Government and have access to Weststate Super which has some unique characteristics, which we used to optimise the growth of Adam and Lisa's superannuation. This strategy involved them using salary sacrifice into their superannuation to ensure that they would have enough funds to meet their retirement goal.  

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.

Case Study - Business Owners

Stephen and Fran

"We have a Self-Managed Super Fund and we are not sure if we are using it to its full capacity. We need some help with getting our retirement plans back on track. We have heard you can borrow to buy property using super, but don’t know how do it"

Stephen and Fran run a successful consulting business, they are in their mid 50s and they have a SMSF. They are not sure if they are maximising their opportunities with their SMSF. Stephen and Fran are both been previously married and are re-building their wealth. 

Protect their family and lifestyle

Stephen and Fran advised us that they want to provide for their children from their previous marriages as they don’t have children between themselves.  We introduce them to an estate planning lawyer who was able to explain how they could structure their estate to achieve their estate planning goals. Stephen and Fran advised that they intend to work for at least the next 10 years but want to have the flexibility to enjoy their lifestyle. We spent some time discussing the importance of making sure that we had a sufficient time frame to achieve the strategies we put in place so they could achieve the flexibility they needed and the lifestyle they wanted.

Collaborated with other professionals

Stephen and Fran have worked closely with their accountant over the years, but he was unable to provide them with the financial advice they needed. We arranged to meet with Stephen, Fran and their accountant to devise a strategy to help them optimise their SMSF. This was the first step for us to have an ongoing working relationship with Stephen and Fran’s accountant.

By using an estate planning lawyer we were able to put in place an estate planning strategy, that took their Personal, Company, Trust and SMSF situations into considerations, providing them with a holistic estate planning outcome.

Prepare for Retirement

To assist Stephen and Fran get their retirement plan back on track, we suggested that they purchase the office they work from with funds from their SMSF and also some borrowed funds as they had sufficient timeframe for the strategy to work. We stressed tested the strategy and also showed them an exit strategy that they could employ at retirement. This enabled them to have a more diversified portfolio in their SMSF and the flexibility to enjoy the lifestyle they wanted.

“They were able to provide us with a clear path to help us achieve our goals, in a manner we were comfortable with. We feel very comfortable with their approach and the way that they worked with our accountant, we feel that we have a team of financial professionals working for us. This gives us great peace of mind.”

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.

Case Study - Pre-Retirees

Connor and Diana

”We are unsure whether we have enough money to enjoy our lifestyle we want in retirement. We have been earning good money, but we do not know if we are doing the right thing with it.  Connor’s parents are quite elderly and they will need to go into a nursing home soon, but it seems complicated.” 

Connor and Diana, are empty nesters (no children at home), they are in their late 50s. They are concerned whether or not they have enough money to retire. They are comfortable working to 65. Dianna's parents are no longer alive and Connor’s parents are quite elderly and need assistance from him.

Protect their family and lifestyle

Connor and Dianna they want to make sure they have sufficient money to live on, in their retirement.  We structure their retirement plans so they wouldn’t be a financial burden on their children.

Connor has an Enduring Power of Attorney (EPOA) for his parents. We spent some time discussing how they could help his parents to best structure their circumstances with them moving into an Aged Care Facility, reducing the financial reliance on Dianna and him.

Collaborated with other professionals

Connor and Diana they had their wills done when their children were young , but now their children are married and have children of their own, they weren’t sure whether they were current.  We helped Connor and Diana, by introducing them to an Estate planning lawyer who was able to explain their options and how to best structure their wills with their expanded family.

Prepare for Retirement

To assist Connor and Dianna understand their retirement options,  we suggested that they work out a budget of what they were spending on essential and non-essential items.  Once they had a clear view of what they want to spend in retirement, we developed a strategy to commence a transition to retirement strategy as they both had large funds in their superannuation.  This will enable them to have achieve their retirement goal and enjoy the lifestyle they've always wanted.

“We have a much better understanding of where we are with our finances and how we are going to fund our retirement.  The way that they were able to explain things to us, in a way we could understand, was very comforting. We're not sure if we would have made the right decisions in moving Connor’s parents in to the Nursing home without the team at Panoramic.”

This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.

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