Corporate Super by mikeholy

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									RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




Corporate Super Solutions
Workplace superannuation and financial planning solutions
for employers and employees




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




Table of Contents
1. Company Profile .......................................................................................................... 3
    About RetireInvest ....................................................................................................................................... 3
2. Our Approach .............................................................................................................. 4
3. Our Services................................................................................................................ 5
    Corporate Super .......................................................................................................................................... 5
        Corporate Super Advice Service .......................................................................................................... 5
                Employer Benefits.................................................................................................................... 6
                Employee Benefits ................................................................................................................... 7
        Corporate Super Review Service ......................................................................................................... 7
                A clearly defined and simple process ...................................................................................... 7
    Personal Financial Advice ........................................................................................................................... 8
4. Risk Management ........................................................................................................ 9
    Loans and Financing ................................................................................................................................... 9
5. Schedule of Fees ....................................................................................................... 10
6. Contact Details .......................................................................................................... 11
    <Adviser Name>........................................................................................................................................ 11
    Authorised Representative RetireInvest Pty Limited (ABN 23 001 774 125) AFSL No. 238429 .............. 11




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees



1. Company Profile
About RetireInvest
Since its launch in 1979, RetireInvest has built a reputation as one of the most recognised and
respected financial planning groups in Australia.

Offering a comprehensive advice service, RetireInvest helps individuals make the most of their
money – whether it’s through saving more, building an investment portfolio, becoming more
financially secure, reducing tax liabilities, planning for retirement, accessing Centrelink
entitlements, protecting against risk or managing debts.

In addition, RetireInvest has an established alliance program working with employers and small to
medium size businesses to provide specialist advice services and financial education programs to
their staff or members.

As part of this service, RetireInvest specialises in the development and implementation of
corporate superannuation advice strategies by providing:
 corporate super plan reviews;
 employee benefits programs;
 super choice administration solutions; and
 risk management solutions.

RetireInvest holds Australian Financial Services Licence No. 238429 and is a fully owned
subsidiary of ING Australia Limited (ING Australia).

With over 100 offices located throughout Australia employing over 200 advisers, the RetireInvest
team has extensive experience to provide and maintain a consistently high standard of service to
its clients.




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees



2. Our Approach
RetireInvest delivers corporate super and financial planning services to help you grow your
business and focus on your core activities, based on your company goals and objectives. We
deliver this by:
   Identifying the unique needs of your business and employees;
   Identifying any issues that may prevent you from achieving your business goals;
   Designing a tailored solution to complement your business strategy; and
   Monitoring these solutions to ensure they remain relevant to your business as your business
    grows.




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




3. Our Services
RetireInvest has the breadth of experience to deliver a range of services to businesses, as well as
individuals.


Corporate Super                                                Risk Management
   Determine the most suitable and cost                           Term Life Insurance
    effective provider for businesses                              Total & Permanent Disability
   Ongoing support for employers and                              Trauma Insurance
    employees regarding financial advice and
                                                                   Income Protection
    administration
                                                                   Corporate Risk Management (Key person,
   Ongoing education program covering all
                                                                    business succession planning, group policy)
    aspects of financial advice for employees



                                             Corporate Super and
                                              Financial Planning
                                                  Solutions



Personal Financial Advice                                      Loans and Financing
   Wealth and accumulation strategies                             Home Loans
   Tax-effective investment planning                              Investment Loans
   Super strategies                                               Leasing
   Retirement planning
   Centrelink planning
   Redundancy advice
   Estate planning




Corporate Super
Corporate Super Advice Service
RetireInvest offers a corporate super advice service that aims to ensure your company is provided
with comprehensive support to help you manage your corporate super fund and obligations, as
highlighted in the diagram below:




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




                       Your Company
                           Ease of administration
                           Competitive fees
                           Support and communication to members




                                               Your
                                             Company




                                Super                         RetireInvest
                                Fund

           Cat                                                                      Cat


Super Fund                                                              RetireInvest
   Administration                                                          Education for members
   Investment choice                                                       Financial planning services
   Insurance                                                               New employee super information
   Reporting                                                                service
                                                                            Portfolio construction

Employer Benefits

RetireInvest works with (and on behalf of) businesses to ensure that the corporate super service is
consistent with their expectations, including:
 Ease of administration
 Competitive fees
 Investment performance
 Support and communication to members
 Compliance and statutory obligations
 Member education




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




RetireInvest aims to remove any inconvenience from running the super plan for your business. This
is achieved through:
 Regular fund review - Annually or bi-annually
 Administration - Dedicated resources to follow up admin queries
 Fee Review - Continual negotiations with fund manager
 Employee Benefits - Making your company super fund more than just super
 Online Training - Manage your company super on-line (ie contributions)
 Policy Committee - Set-up and ongoing support
 Tender Management - Find the super provider that best suits your requirements
 Transition Management - Transfer of fund and communication

Employee Benefits
RetireInvest offers a range of employee benefits to help employees make financial decisions to
best suit their individual requirements.
It is important that your employees have access to a range of services to help them understand and
manage their benefits under the company’s super plan. Services we offer employees include:
   Member education - Seminars in the workplace
   Super Support Service - Allows employees to tailor their super and insurance
   Consolidation - Finding super from past employment and transferring it to the new / current plan
    to minimise fees
   Risk Profiling - To help determine risk tolerance when investing
   Member Home Loan rebates
   Executive Services - Dedicated Financial Adviser for Executives

The most important service that we offer employees is a point of contact to help make the super
plan suit their individual requirements.
Too many employees have missed opportunities with their super because they weren’t invested in
a portfolio that suited them. Our aim is to make sure that employees are receiving genuine
employee benefits, rather than just a super statement at the end of each year.


Corporate Super Review Service
RetireInvest can provide a review of your existing corporate super arrangements. Essentially we
will look at the fees, performance, diversification, administrative support and the technical
capabilities of your super fund. This review also details what fees an adviser is receiving and what
value add services you should expect in line with what you are paying.
In addition we can determine how employees feel about their current employer super arrangement
and how they rate the advice, education and benefits available to them.
After researching your fund particulars, we will provide a written review with recommendations.


A clearly defined and simple process


      Identify the                                 Design a                                    Ongoing
      unique needs           Analyse your          tailored              Agree and             management,
      of your                existing super        solution to           implement             monitoring
      business and           arrangements          meet your             your super            and review
      employees                                    needs                 solution




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




Personal Financial Advice
RetireInvest offers advice across a broad cross section of financial matters. It can develop tailored
financial planning strategies and deal in certain financial products sourced from a broad range of
product providers.

Personal financial advice, or tailored educational seminars and workshops can be offered, covering
a variety of topics, depending on your business or employees’ needs.

Advice Services (Indicative list)

   Wealth accumulation and investment planning
   Superannuation strategies, including opportunities from 2006 legislative changes,
    as well as self managed superannuation funds
   Retirement planning
   Pension and income stream advice, including transition to retirement strategies
   Aged care planning
   Redundancy planning
   Taxation planning
   Centrelink benefits advice
   Estate planning
   Insurance planning
   Lending services




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




4. Risk Management
From a financial planning perspective providing a risk management service allows us to address all
aspects of a business’ or individuals financial needs and provide a comprehensive strategy that
suits their circumstances.

One of the only certainties about life is that nothing is certain, and RetireInvest provides advice
regarding what insurance is needed and how to choose between options, including:
 Term Life Insurance
 Total & Permanent Disability
 Trauma Insurance
 Income Protection
 Corporate risk management services, including key person business succession planning, and
   group policy.



Loans and Financing
Employing the best available loan products, RetireInvest is able to assist businesses and
individuals with access to finance alternatives, including:
     New and investment home finance
     Refinancing
     Borrowing to invest
     Reverse Mortgages (Equity Release)




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




5. Schedule of Fees
RetireInvest’s services are offered at competitive rates reflecting the value of the advice provided.
Based on the enclosed service proposal, RetireInvest’s schedule of fees are as follows:


 Corporate Super:
 Corporate Super Advice Service
    Upfront fees / commission:                      <Insert fee schedule – all fees are to be negotiated on
    Ongoing fees /commission:                       a case by case basis>


 Corporate super review and transition
 service


 Other Services:
    Workplace educational seminars for
     members
    Financial advice for members
    Executive salary sacrifice and/or
     transition to retirement advice
    Group Risk
    Home Loan Rebate




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RetireInvest Corporate Super Solutions – workplace super and financial planning solutions for employers and employees




6. Contact Details
For more information on any of these services, contact your RetireInvest representatives at
<office>:

<Adviser Name>
Authorised Representative RetireInvest Pty Limited
(ABN 23 001 774 125) AFSL No. 238429

Phone            <phone number>
Fax              <fax number>
Email            <email address>
Address          <address>
                 <address>




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