Financial Plans
Our highly skilled team can provide a clear, detailed plan for your financial future. Comprehensive, affordable advice, what more can you ask for?
view sample a plan!
Wealth Management
Our Wealth Management Advisers work closely with our clients to understand their evolving needs and
develop a personalised plan to achieve their financial goals. We believe that wealth creation is the result of
implementing a long term investment strategy designed to build, manage and protect money.
With access to leading software and portfolio management systems, all backed by experienced research and technical
services, our Wealth Advisers are well placed to provide our clients with appropriate investment strategies and products.
Wealth management products and services include:-
- Wealth Accumulation and Investment Management
- Superannuation and Pension Funds
- Self Managed Superannuation Funds
- Managed Funds
- Gearing Strategies
- Estate Planning *
- Wealth Protection *
- Portfolio Management
* Your DJ Carmichael adviser will work with you to engage specialists in these areas as part of a comprehensive review and strategy formulation.
Investor Education 101:
What is an SMSF?
A SMSF is a Self Managed Superannuation Fund. You run it yourself. You and your Advisers get to decide where
and when to invest your funds. You get to take an active role in setting and implementing the investment
strategy for the Fund.
How does a SMSF work?
For a start, you need four or less members. Members of the fund also have to be trustees of the fund. Trustees of the fund have to be members of the fund. Each member is forced to participate in the decision making process of your fund. To protect all members of your fund, no member can be the employee of another member. The only exception is members who are “related”.