Isaacs Cole Chartered Accountants

Strategic Planning

Asset Ownership & Asset Protection

If you have an investment portfolio, or are thinking about starting one, we can advise you on an ownership strategy that ensures your investments are as tax effective as possible.  We can also advise you on strategies that can help protect assets you hold both personally and in other structures such as trusts, particularly if you are exposed to business or other financial risk.

Debt Structuring & Serviceability

If you have a busy personal balance sheet that includes debt, we can analyse your financial position and determine a strategy that ensures your gearing is as tax effective as possible. If you are experiencing cash flow pressure, we can also work with you to come up with some debt re-structuring options that can help you improve your personal cash flow.

Forecasting, Budgeting & Projecting Cash Flow

We can work with you, or you and your Financial Planner, to help you project your financial net wealth over the short and long term. Using scenario-testing and stress-testing we can provide you with the financial analysis you need to make informed decisions around your financial portfolio. We can also help you prepare a family budget and cash flow forecast, to ensure you can make informed spending decisions while still maintaining your lifestyle needs and debt obligations.

Obtaining Finance

We have extensive experience in working with lending institutions to assist you in obtaining finance, whether it is for investment or personal purposes. We can advise you on the general requirements of lending institutions and work with you to determine how much impact servicing the proposed borrowing will have on your current cash flow.