1.	Financial Planning In accordance with your individual risk profile, financial planning provides a disciplined approach to plan for, reach then successfully maintain life-long goals.
2.	Financial, Retirement and Aged Pension Planning Whether you qualify or not for financial assistance, those within 10 years of the age pension age will benefit from early preparation for that stage of life. Can you qualify for a pension? How do you minimise the tax implications on my retirement income? At Prime Time, we can identify if you are on target to achieve your planned retirement goals. By identifying your objectives and comparing this with the progress you have made to date, we can analyse the information and clearly demonstrate if there is likely to be a shortfall or surplus. If we identify a shortfall, we can then set about providing a solution to help you achieve your objectives. If you are about to apply for a pension or are currently receiving a part pension, we can also help to arrange your financial affairs to maximise your Social Security or DVA entitlement. Prime Time can also assist in the completion and lodgment of all relevant documentation, making the task a simple and straight forward process.
3.	Superannuation Solutions and Self Managed Funds Contributing to Superannuation as soon as you commence work will help build a significant nest egg and increase your lifestyle options. Where you place your super can have a significant effect in the long term; what fund should you join? Should you start your own self managed super fund? How much super will you need to enjoy a comfortable retirement? Prime Time will provide specific solutions to each of the following concerns: How much Super you will need at retirement? Should you use a Retail Fund or a Master Trust? When is it practical to consider running your own Self-Managed Fund? How can you gain more control over the investments selected? How much can you contribute and still get a tax deduction?
4.	Regular Savings and Gearing Strategies By commencing in the early years of your working life and saving a small amount on a regular basis your funds will continually build; a dripping tap will fill a bucket given time. But are you in a position to gear investment? When it comes to gearing your investments, Prime Time can assist with either direct property or a fully managed equity portfolio. We can design a portfolio that suits your investor profile, time horizon and recommend the asset class and market exposure to suit your particular investment style, although this is not always possible with direct property.
5.	Life, Disability and General Insurance Your most valuable asset is your ability to work & generate an income. This should be one of the first insurances to consider, followed by life insurance, trauma insurance and total & permanent disability. Without insurance you are very vulnerable. If you have any assets, then these need to be covered by general insurance also.
6.	Mortgage Home Finance & Leasing Prime Time's qualified mortgage consultant can help you to find the right loan for your purpose. A fundamental rule is to clear non deductible debt first, followed by deductible debt. This then allows the facility for you to choose to use the equity to increase your investment portfolio.
7.	Business Succession and Estate Planning Together with making provision for early departures due to illness, for those in business this requires some very forward thinking, in some cases up to 5 years prior to retirement. This should be given a high priority.
8.	Networking with Other Professionals Prime Time specialises in developing sound strategies to help you achieve your stated objectives. To implement these strategies it is often necessary to collaborate with professionals in other fields. We are happy to act as facilitators with your existing Professional advisers or if needed refer you to a skilled professional.
9.	Maximize Centrelink Entitlements for Retirees Is your investment portfolio arranged in a way to maximize your Centrelink entitlements. Social Security and DVA issues are often confusing, and the source of frustration for many retirees. Fortunately, it doesn't have to be that way. At Prime Time, we can assist with all your Social Security and DVA concerns.
10.	Business Succession Planning for SMEs Assisting the principles of a business to transition the business through an internal or external sale. Have you protected your business in the event you as the principal are no longer around?Have you taken steps to ensure your beneficiaries receive their full value for your equity in the event of death, disability or illness.
11.	Corporate Superannuation Tender a superannuation portfolio designed to incorporate employee needs and objectives with features that valued whilst minimizing management time involvement. By appointing Prime Time Financial Counsellors to manage your Superannuation requirements, we can provide recommendations to staff and employees and minimise administration for the Employer.
12.	Salary Sacrifice Assist in maximising super contributions to take advantage of legislation relating to transition to retirement.
13.	Self Managed Super Funds Prime Time can assist with establishment and ongoing administration of your Self Managed Super Fund including asset consulting, investment strategy and taxation support to the trustee of the fund.
14.	Purchase and Sale of Direct Shares
15.	Consultant to Non-Profit Organisations Prime Time has had significant experience in consulting to large non-profit organizations to assist with providing employee benefits.

Copyright © 2007 Prime Time Financial Counsellors Pty Ltd.