An Integrated Approach To Your Financial Life

Our integrated approach means that we understand what you want to achieve and get you there faster.

Accounting & Tax

The best decisions require quality and trustworthy information. Accurate reporting and records allow you to easily meet all of your compliance requirements including taxation and professional reporting obligations.

At EFS we specialise in delivering practical, cost effective tax solutions for small and medium businesses. Our tax professionals offer clear, concise advice to minimize tax and develop strategies to help you reach your financial and lifestyle goals sooner. See why over a thousand businesses trust our team to help them achieve their goals.

How Can We Help You

  • Preparation of Financial Reports
  • Income Tax Returns for Individuals, Businesses, Trusts and Consolidated Groups
  • Activity Statements (BAS, IAS, PAYGW)
  • Management Accounting
  • Review of Capital Gains Tax Issues
  • Annual WorkCover reporting
  • FBT Reporting
  • Management of any ATO/WorkCover audits
  • Xero Accounting Software Implementation & Training
  • Statutory Records & Registers (ASIC)

At EFS, we help prioritise your goals, which gives you something concrete and meaningful to strive for. It helps you connect your investments to what really matters: your family, your future experiences, and your personal needs. We work to increase your wealth beyond taxes, inflation, and fees. We plan, manage risk, help minimize tax costs and deliver wealth strategies that help you reach your goals sooner.

What Should I Expect?

A different approach — one that begins with you and the life you want to lead. We won’t pretend to know what’s right for you without really getting to know you and the way you want your life to look. We won’t give you a one-and-done plan or a one-size-fits-all investment solution. We will get to know you. We will help you answer the most important question, “Can I live the life I want?” by integrating your life plan with your finances to bridge the gap between your ideal life and the life you can afford.

Our Approach:

  • Is driven by research and facilitated by expert advisers
  • Gives you a clear framework for deciding what’s right for you
  • Delivers dynamic plans and individualized investment portfolios
  • Incorporates collaborative, engaging ongoing advice

Clarity

What do I want my life to be like?

We help you prioritise your goals, which gives you something concrete and meaningful to strive for. It helps you connect your investments to what really matters: your family, your future experiences, and your personal needs

Confidence

How do I achieve my goals?

We help you prioritise your goals, which gives you something concrete and meaningful to strive for. It helps you connect your investments to what really matters: your family, your future experiences, and your personal needs

Control

Am I prepared for life’s surprises?

We help you prioritise your goals, which gives you something concrete and meaningful to strive for. It helps you connect your investments to what really matters: your family, your future experiences, and your personal needs

Superannuation

Investment Advice

Insurance

Retirement Planning

Estate Planning

As specialists in both Self-Managed Superannuation and personal superannuation, we understand how important retirement savings are. Almost 10% of your hard earned money each year goes into a Superannuation fund for your retirement.

Superannuation goes beyond just “forced retirement savings”. Understanding it’s your money and the way its invested is very important. We assist in providing you a plan to maximize your superannuation so that in retirement you don’t have to worry.

Our Service Benefits Include
  • Investment strategy & strategic planning advice
  • Superannuation consolidation & rollovers
  • Lost superannuation retrieval
  • Structuring of Insurance through superannuation
  • Pension planning, incl. accumulation to pension phase

SMSF

With so many different superannuation options available, it can be complicated, confusing and difficult to decide which superannuation solution is best for you.

Our team can assist you with superannuation and retirement advice. We’ll get to know you and your situation and help you establish and run an SMSF that helps you plan effectively for your retirement goals. We have established a service offering that provides you with the flexibility and control over your SMSF with experts in tax, financial advice and retirement to guide you along the way.

What is a Self Managed Super Fund?

A SMSF is a structure that receives and manages funds and investments on behalf of the members. It has a maximum of four members, all of whom must be trustees (or directors of a corporate trustee). As a Trustee you effectively control the SMSF, the investment strategy and the investments.

Features

  • Control over how funds are invested
  • Greater flexibility in investment types
  • Asset protection advantages
  • Better management and flexibility of contribution levels and methods
  • Reduced tax rates apply to superannuation (generally 15% or less and nil on retirement)
  • Control over the types and level of insurances held within the fund
  • Significant control over retirement and death benefits
  • Estate planning strategies and control
  • Provide a retirement savings structure specific to member needs and desires
  • SMSFs are popular with clients who want to directly manage their investments and attend to the administration and compliance responsibilities

How Can We Help You

  • Preparation of Financial Reports
  • SMSF Audit
  • Insurance Strategy & Management
  • Compliance & Taxation Management
  • Investment Strategy & Management
  • Ongoing advice to ensure you are on track

Business Services

We understand that bookkeeping & payroll can be daunting. Let our experienced team of business service professionals help reduce the stress of managing your books so that you can focus on what you do best.

We are a Xero Gold Partner and have extensive experience in full conversion, training and ongoing support for Xero. We are also able to service all other major software providers including MYOB, Reckon and Quickbooks.

How Can We Help You

  • Bank & Credit Card Transactions
  • Payroll & PAYGW
  • Superannuation
  • Management Accounting
  • Accounts Receivable & Payable
  • Budget & Cashflow Reporting
  • LSL Management
  • Xero Accounting Software Implementation & Training

Business Advisory

We understand that good business management is more than just record keeping. It is important that you get the right advice for you and your business and build a roadmap for its development. Our expert advisory team have over 60 years experience to help you improve your business systems and operations and reach your potential sooner.

Whether you are starting a new business, looking to grow your existing business, or planning to sell your business, our team can partner with you to maximise your success.

How Can We Help You

  • Business Valuations
  • Corporate & Business strucutring
  • Business Planning, budgeting & forecasting
  • Mergers & Acquisitions
  • Sale of Business
  • Project Management & System Design
  • Government grants
  • Strategic analysis, contract viability analysis & tender preparation
  • Benchmarking and key ratio analysis

Lending

We understand that good business management is more than just record keeping. It is important that you get the right advice for you and your business and build a roadmap for its development. Our expert advisory team have over 60 years experience to help you improve your business systems and operations and reach your potential sooner.

Whether you are starting a new business, looking to grow your existing business, or planning to sell your business, our team can partner with you to maximise your success.

How Can We Help You

  • Business Valuations
  • Corporate & Business strucutring
  • Business Planning, budgeting & forecasting
  • Mergers & Acquisitions
  • Sale of Business
  • Project Management & System Design
  • Government grants
  • Strategic analysis, contract viability analysis & tender preparation
  • Benchmarking and key ratio analysis

Three questions drive our unique investment process

1
What are my goals?

Our investment process starts with you. We want to understand your goals – the reason you’re investing. We look at what you are trying to achieve and build a strategy around risk, investment structure and time frame. Goal based investing is proven by research to improve investment outcomes by encouraging optimal behaviour and more precise wealth management.

2
How much risk should I take?

We understand that no two investors feel the same way about risk. Some take a long view and are unperturbed by the market’s ups and downs. Others are more cautious but are willing to take calculated risks. By learning about your goals and building a roadmap, we’ll guide you to an asset allocation that reflects your risk tolerance as well as your objectives.

3
How do I stay on track?

Life and the financial markets have something in common: change. That’s why it’s essential to follow a well-defined process. We’ll monitor everything that can affect your investments — and we’ll make adjustments as needed.


We understand that everyone is different, which is why we’ll build an investment solution that ensures you are on the right track to meet your goals. We’ll meet with you regularly and offer monthly investment insights to ensure you understand not only the markets but how they affect your investments as we keep you on track to achieving your long term goals.


Our investment team

The EFS Strategic Investment Team has extensive experience in macroeconomics, market analysis, and risk and security selection across a wide range of investments. The team is run by our Chief Investment Officer, Brad Matthews, who has over 25 years’ experience in devising investment strategies for clients ranging from SMSF’s to high net worth individuals.

Our Investment Team meets regularly to assess opportunities and risks across global markets, and set appropriate asset allocations and investment strategies for our clients. They look beyond cash and shares to ensure an array of choices are available to complement both your existing portfolio and the dynamic nature of changing markets.

Illustrative Investment Portfolios

Note: These Investment Portfolios are for illustrative purposes only. The amounts of funds that your adviser will recommend will be determined after your situation has been fully assessed and elements such as your tolerance to risk and income / cash flow requirements are considered.

We can design a personalized plan that explains how we can help you to reach your financial goals.