We are a boutique Financial Planning Business, specialising in Superannuation Planning, Investments, Retirement & Centerlink Planning, Aged Care and Risk Insurance Advice. With 40 years of combined experience helping people achieve their dreams by protecting their lifestyle & wealth when things go wrong, and by helping them achieve the retirement lifestyle they want.
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11 customer reviews
Dean
Les provides a professional environment for discussion and reasoning for the investment approach being recommended, all with the ability to cater to specific requests where required.
Murray King
Les from Prosperity Wealth Management is always accessible, friendly, timely, knowledgable and very professional.
Trevor
Les and his team are very thorough and have guided me through my requirements to ensure I am able to enjoy my retirement comfortably both in Australia and overseas.
I am happy to recommend them to prospective clients looking to safeguard their future.
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Paulene Duguid
I feel privileged to be able have Prosperity Wealth Management help with our most private personal circumstances and finances; Leslie is very helpful and knowledgeable; I have no hesitate in recommending him to my family and friends. More...
Kevin Bennett
We have been working with Prosperity Wealth for the duration of our retirement and are truly satisfied whith the service we have received throughout the thirteen years.
Reply from Prosperity Wealth Management
Thanks very much keving and Jo , very much appreciated :)
Bruce laidley
A very polished business they have the knowledge to steer you toward your goals
Reply from Prosperity Wealth Management
Thanks for your review Bruce much apprediated :)
Tracey Akehurst
Les and his team have been a critical part of my financial decisions for about 15 years now. Les provides the financial guidence as well as confidence regarding decisions that impact me and my famlies future. I have personally referred many of my friends and family members to Les and his team at Prosperity Wealth. Thanks Les and team. More...
Reply from Prosperity Wealth Management
Thanks for your review Tracey very Much appreciated, thankyou :)
Karen Nurse
Les Hayward has been my financial adviser for over 10 years. He provides an excellent service, and always goes the extra mile to provide the best possible outcome for my financial requirements.
He takes time to explain some of the more complex aspects of superannuation, and is genuinely interested in my financial needs and goals. He has become a trusted friend and a much valued financial adviser.
Highly recommended.
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Debbie Mason
They are fantastic very professional .
Reply from Prosperity Wealth Management
Thnakds for your review debbie :)
Sharon Lee
Have been working with Les and his team for over 9 years now and trust him to look after my pension and my future, he checks in with me regularly to make sure I understand where my money is and what my financial future will be like.
Reply from Prosperity Wealth Management
Thanks for your Support Sharon :)
lauri valli
we are absolutely 💯 satisfied with all information given to us at all times and we can call them anytime its never a problem the service and expertise are fantastic
Reply from Prosperity Wealth Management
Thanksd for your support Lauri :)
What do you love most about your job?
Seeing the relief on peoples faces when something has gone wrong and we tell them their family will be looked after and their home won't need to be sold. Or the joy when we can tell someone that they will have enough to retire on comfortable or that we will be able
To help them to achieve that dream house or holiday or lifestyle.
What inspired you to start your own business?
My father, he retired at 75 as a janitor with just $17000 after working all his life.this happened because he didn't know about money, he wasn't taught to invest or didn't have super until age 60 from work and just didn't know how to build wealth. that experience burned into my soul the desire that this didn't happen to others so this ultimately became my mission to ensure my clients retire with enough money to provide them with the best lifestyle possible.
Why should our clients choose you?
We Care. We are not the cheapest in terms of Fees, but neither are we the most expensive, this is because when we commit ourselves to working with you to achieve your goals, this is foe the long term, we want to be there at the end to make it happen so that's why we charge appropriately for our services so we can developers long term mutually beneficial relationship.
Can you provide your services online or remotely? If so, please add details.
We prefer to start out face to face but can provide advice online. We are set up to work remotely and online using the most up to date systems and software.
What changes have you made to keep your customers safe from Covid-19?
As above we have implemented protocols and proceeded to manage online and remote services such as zoom, Microsoft teams and online portals for upload and down load of information.
Insurance Advice
We are specialists in providing Life Insurance , Total & Permanent Disability Insurance (TPD), Trauma Insurance and and Income Protection Insurance
Superanuation Advice
From the day you start work to the day you retire, Superannuation contributions form the basis of a great financial plan. The favourable tax concessions on contributions and investment earnings make it an attractive structure for growing your wealth. When you are starting out, building your Super contributions is a powerful way to take advantage of the miracle of compounding returns.
As you move through your working life, you can look at more sophisticated strategies for accelerating your Super through salary sacrificing or Contributions Strategies or Self-Managed Superannuation Funds (SMSF).
In the approach to retirement, you can implement strategies that provide more tax benefits in the transition to retirement. We can help you identify opportunities and position your investment strategy to securely build your superannuation portfolio.
Retirement Advice
It's never too early or too late to start planning for retirement. This exciting life stage is a time when you can develop your interests, experience new things and explore different directions. The better prepared you are, the easier it will be. We can help you to ensure that you are saving enough for a retirement that is not just comfortable but provides the lifestyle you aspire to. If you are about to retire, we can help structure your income to maximise Centrelink benefits and favourable tax outcomes.
Age Pension & Centerlink Advice
Most people who have dealt with Centrelink have an understanding of some of the difficulties in dealing with such a large government institution.
This is one of the reasons why we offer the client the opportunity never to have to deal with Centrelink again, for a small fee, deducted monthly from your bank account, we take care of all of the interactions with Centrelink for you including applying for, and managing the ongoing relationship with Centrelink. speak to us to learn more.
Budgeting, Cashflow & Savings Advice
Prosperity Wealth Management provides a comprehensive budgeting and cash flow modelling service that helps clients identify exactly where they stand with their personal finances. By dedicating a short amount of time at the start of the financial planning process, and updating this information each year, with information about your budget, income, expenses, asset and liability values, PWM can help you find ways to pay off your mortgage sooner, pay off other debts, save for holidays and other special events and prepare for retirement with a clear plan while maintaining your lifestyle and /or building investment assets.
By providing this information we can model any number of proposed scenarios up to 20 years in the future to advise if your strategies are working and to ensure our recommendations are not just “Pie in the Sky” “hope for the best” solutions. We can then plan for the future with great accuracy and review these cashflows each year and provide you with sound information on which to make sound financial decisions.
Some of the modelling we can provide includes:
Identifying the impact of where to place surplus capital,
The impact of directing surplus funds to debt can impact your financial position ( paying down your mortgage sooner),
Assessing when to sell investments and the potential impact of capital gains,
Eligibility for the age pension, and how much,
Eligibility for the Commonwealth Senior health care card,
The impact of Superannuation contributions advice,
The longevity of personal and Government pension payments
Estate Planning Advice
The term ‘estate planning for many people is unknown territory and perceived as simply the writing of a Will. The reality is that anyone who is earning an income or has any assets has a need for some level of estate planning advice.
Even at a young age, you may have specific wishes for the way you want your assets divided if something unexpected happens. If you have children, your needs may change and your final wishes may need more sophisticated estate planning consideration.
As your assets grow and you may welcome grandchildren to your family, your needs can become more complex and need a more careful review.
Our expert advice in managing your estate can be invaluable in maintaining family harmony, reducing tax liabilities and making sure your wishes are carried out the way you really want them to be.
Investment Advice
Investment advice isn’t just for the elite few who are wealthy, anyone can benefit from professional, informed advice.
If you are just getting started financially we can show you how to get a savings plan going and how easy it can be to get your own investment portfolio off the ground.
As you grow your investments and your circumstances change, we can show you how to expand your plan to have a more sophisticated edge that targets specific goals and discuss protecting your wealth.
Investment knowledge can help you meet your financial goals at any life stage to give you the advantage you need to reach your goals sooner and more securely. Here are some of the key strategies and products we can help you with.
Age Care Advice
Understandably, when it comes to the elderly, most want to stay in their own home for as long as possible because it is familiar and comfortable. The thought of going into an aged care facility can be traumatic. If someone you care about is no longer able to manage at home on their own but are fortunate enough to have assistance with everyday tasks such as shopping, cooking and transport to medical appointments they may be able to stay in their home longer.
They may even be eligible for Government-subsidised Care in the Home.
However, if they are unable to manage in their home, you may need to help them transition into an aged care facility.
These decisions can be complicated, and the cost can be high. Getting good financial advice around your loved one's age care needs and costs is critical.
Our experience shows that the main worries for older people and their families include:
Quality of care: and how to evaluate the service they choose
1. Cost and affordability: to ensure the care needed is affordable
2. Access and availability: with people encountering long waiting lists and lengthy delays
3. Transparency and accountability of service providers.
It is important to plan ahead and ensure you make good decisions. And you don’t have to do this alone. Advice and help can be important for good decision-making.
Wills & Estate Planning
Wills and estate planning involve creating legal documents to manage and distribute your assets, designate guardians, and appoint decision-makers for your health and finances if you become incapacitated or pass away.
While a Will specifically dictates asset distribution after death, estate planning is a broader, holistic process that includes powers of attorney, trusts, superannuation nominations, and guardianship to protect your wealth and wishes.
