Advisory Services

Strategic Financial Planning

Strategic financial planning is about developing a financial plan to ensure you meet your financial objectives and to help you create a better future.

Reliance Capital’s approach to financial management has the

flexibility to ensure that your individual needs are met. Our step-by-

step wealth management service helps you structure a comprehensive financial strategy that meets both your immediate

financial requirements and your long-term wealth creation goals and objectives.

We provide specialist advice in the following areas:

• Asset Management and Investment Advice
• Retirement and Superannuation Planning
• Debt Management
• Cash Flow and Taxation Planning
• Insurance
• Estate Planning
• Financial Structuring
• Succession Planning
• Philanthropic Planning

Investment Management
Reliance Capital offers a comprehensive investment management service to it clients.

Investment Philosophy & Portfolio Design

Reliance Capital applies academic research to the practical world of

investing. Our objective is to help clients develop globally diversified

portfolios and to add value through reduced costs and taxes. We develop structured portfolios for each of our clients using a combination of cost effective, pure and tax-efficient index funds, exchange traded funds, shares and derivative based investments.

The driving forces behind our investment strategy are discipline,

tax-efficiency, diversification and protection of capital. The portfolios

are managed to adapt to changing economic conditions, tax

considerations, cash-flow needs and each clients personal situation.

We add value through careful portfolio construction and tax management.

Our portfolios;

• Are grounded in the efficiency of capital markets
• Capture specific dimensions of risk identified by academic research
• Enhance returns through minimising transaction costs, fees, and taxes.

Lending advice - Debt Management
Reliance Capital has access to over 30 lenders and over 400 loan products – so whatever your situation we can find the right loan for your needs.

Reliance Capital lending advisers can advise on;

• Residential Mortgages
• Commercial Finance
• Equipment Leasing
• Cashflow / Debtor Finance
• Debt consolidation
• Personal Loans
• Car Loans

Property Investment & Development
Investment Property Analysis - Much more than a buyers advocate

Reliance Capital offers a complete solution for clients who wish to invest in residential and commercial property.

We can source all kinds of property for investment including:

• House and land packages
• Apartments
• Commercial

When recommending direct property investments to clients we consider;

• Economic research from market leading property economists
• Rental demand
• Capital growth potential,
• Cash flow and tax implications
• Local Infrastructure development
• Proximity to Transport

We analyse the capital growth, cash flows, and tax implications for any investment property and provide the projected after-tax cost and rate of return. We compute cash flow projections and consider variables including property price, rent, capital growth, inflation, deposit, loan type, etc. This service is to help clients understand all the benefits, implications and risks of investing in property.

All properties are objectively assessed and approved by our investment committee. All properties are independently valued by a bank panel valuer to ensure you are not paying a premium for your investment.

All properties we recommend are subject to a rigorous investment selection process. After considering these variables we then select properties from developers we consider investment grade and suitable for investment by Reliance Capital clients.

Business Services
Reliance Capital provides specialist products and services for small and medium-sized businesses in a range of areas, from equipment financing, insurance, investment and superannuation, property services, business development funding and financial markets activities.

Across our range of services Reliance Capital's focus is on providing innovative, tailored solutions that meet your specific needs, providing benefits and value for your business.

Our services include;

• Commercial Property Finance
• Equipment Finance
• Insurance
• Corporate Superannuation
• Self Managed Superannuation
• Currency Risk Management
• Commodity Risk Management
• Corporate Philanthropy

Philanthropic Services

Reliance Capital is committed to supporting the community. We seek to assist the philanthropic and not-for-profit sectors by promoting philanthropic activities across our client base.

How we can assist Clients interested in Philanthropy

The key areas in which we can help clients to achieve their philanthropic objectives are:

• Working with private clients to incorporate their current interest in philanthropy into an overall strategy that integrates their financial planning, estate planning and intergenerational wealth transfer objectives.
• Working with not-for-profit and charitable groups to manage their existing assets, taking into account appropriate investment strategies, trustee act and governance issues. We are also working with these groups to generate ongoing support and establish relationships with potential supporters.
• Working with corporate clients to establish and manage an appropriate philanthropic strategy as part of their triple bottom line activities, including identification of potential not-for-profit groups that may fit into their corporate social responsibility strategy.