Risk Management & Financial Planning

Whatever your unique business and personal solution may be, not only do we help you identify it but we aim to provide you with a working answer.

Ask yourself the following questions:

• Have I arranged my business affairs in the most effective way?
• Are my family and I adequately protected should things go wrong? 
• Is my business protected? 
• What would happen to my family if something happened to me - or my spouse? 
• What else have I not considered that could impact financially on me and my family?

We help answer these questions by providing the following specialist services:

Risk Management
We take you through the process of identifying and assessing all aspects of business and personal risk that could impact on you and your family. Ultimately, we aim to eliminate, isolate or minimise identified risks from occurring.

When it comes to assessing risk, it can take many forms. For instance, you may consider the following:

• Estate planning including wills, trusts and powers of attorney
• The level of insurance protection required to adequately cover family capital and income requirements 
• Business asset ownership, business structure and liabilities 
• Employers' compliance liabilities including OSH and ACC 
• Business preservation, succession and shareholder buy and sell agreements

Financial Planning
At Strettons, it all starts with you. We help you to identify and achieve your future financial objectives and goals. We tailor a process for achieving those goals that takes into account your lifestyle along with the following key considerations:

• Constraints and barriers to realising your dreams
• Whether or not your current financial behaviour is leading you in the right direction 
• Alternative actions you can take, if your goals are currently not achievable 
• The development of a realistic financial plan that is clearly focussed on the individual, couple or family
• Provision of a clear course of action, along with suggested investment strategies

Protecting Your Assets
Protecting your assets is an important part of minimising any risk to you and your business.

Every business owner, therefore, needs a comprehensive asset protection plan. Consider what might happen in the following situations

• a business defaults on an account with your organisation;
• an employee commits fraudulent acts while carrying out their work; 
• a customer brings legal proceedings against your company for selling defective goods
• a senior executive makes a claim for wrongful dismissal

All of these situations could have serious financial implications. An asset protection plan can prevent or significantly reduce the impact such risks could have on your business.

Planning For Your Estate
We spend so much time working towards achieving business goals and developing our careers. Before we know it years have passed and our focus shifts to ensuring loved ones are cared for when we're gone. If you've built up an estate then you will want to ensure that it is passed on properly - that's what estate planning is all about.

Some traditional methods of estate planning include:

• Wills
• Family Trusts, etc.
• Durable/Medical Power of Attorney

No matter what your goals are, estate planning is a necessity for everyone.

Warren Kettlewell - Consultant / Risk Management and Financial Planning

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