Compass Financial Planners Pty Ltd offers comprehensive financial planning services as part of the Compass Financial Consulting Group. We are able to provide advice on every aspect of personal finances from budgeting through to estate planning. A financial plan includes advice on every topic mentioned below, but a client may choose to receive limited advice on only a few of these issues if that is all that is required.

Compass Financial Planners Pty Ltd has an Australian Financial Services License (number 286175) issued by ASIC, we are able to directly place funds into any Australian or International investment for which a valid Australian product disclosure statement has been issued.

Our financial services include:

• Debt management and mortgage advice
• Estate planning advice
• Insurance advice
• Tax planning
• Salary sacrifice/packaging
• Asset allocation recommendations
• Investment placements
• Portfolio monitoring
• Portfolio rebalancing
• Year-end tax statements
• Social security advice
• Business succession planning
• Asset protection for vulnerable professions
• High quality communication and access (phone, newsletters, seminars, Web site)
• Ongoing investment research
• Home loans and finance advice

If you do not require a comprehensive financial plan, we can provide restricted advice. Typical services offered in a restricted advice situation are listed below:

Managed funds

As independent financial planners we are able to make recommendations from the full range of Australian managed funds and superannuation plans.

Direct shares, exchange traded funds and options

Advice is provided on direct shares, listed investment companies and exchange traded funds. Travis Morien provides this advice in financial plans and on an ongoing basis via email. Clients then log in to their own discount broker accounts and buy their own shares. We are not stock brokers as such.

Accounting, tax returns and tax planning

David fyfe (CPA) and Stephen Anthony are registered tax agents and thus are able to provide full tax and accounting services. Travis Morien is a specialist financial planner and can only give generic non representational advice with regard to tax, referring clients to David and Stephen if you require more specific advice.

Life and disability insurance

Compass Financial Planners Pty Ltd are licensed to offer Life Insurance Broking services. We offer life and disability insurance from a variety of major life insurance companies, both as direct retail policies and also via group rate life policies available from superannuation funds. Where possible we attempt to obtain discounted premiums in return for not receiving a commission, otherwise commissions are refunded in full to clients after first offsetting them against any applicable financial planning fees. By working on a fee for service basis the typical retail insurance policy premium gets a discount of about 30%, not just initially but on an ongoing basis for the life of the policy.

Mortgages and finance

David Goode is a representative of PLAN Australia, one of Australia's leading mortgage origination companies. Through PLAN David is able to recommend a very large number of mortgages from many providers, to find the best deal for you.