Our Services
Alex offers clients a boutique Financial Planning service that has been developed over the past 25 years with a reputation for delivering tailored financial strategies that work.
Personal Risk Insurance
We believe that with the right advice, your insurance cover should bring you peace of mind.
Insurance can be a tricky field to navigate, and understanding the most appropriate type of insurance you need is one of our specialities.
Alex works intimately with clients to understand their circumstances and offer tailored specialist advice for:
Life Insurance
Total & Permanent Disability Insurance
Trauma or Critical Illness Insurance
Income Protection Insurance
Business Succession Insurance
Retirement Planning
Alex helps clients plan for retirement by using accurate income levels to support a long-term, comfortable lifestyle. Clients receive tailored retirement strategies and frameworks based on your current circumstances, as well as desired future plans.
With sound understanding of Self-Managed Super Funds (SMSFs), pension strategies, investment planning and asset management, our approach creates a clear and practical pathway to your desired retirement lifestyles. Together we will:
Identify ‘where’ you want to retire
Establish the type of lifestyle you want to retire into
Assess how we can increase your wealth before retirement
Create tax minimisation strategies
Superannuation
Ensure your Superannuation is working as hard as you are to provide you with a strong and secure return on investments. Alex will work with you to identify unexplored opportunities in your Superannuation to maximise its potential and ensure that once you reach retirement, you can live the lifestyle you deserve.
Our highly skilled team analyse your current position and advising the best outcomes for you based on:
Investment risk profile analysis
Investment platforms & investment analysis
Superannuation contributions
Aged Care
The Aged Care process can present many questions and decisions we’ve never considered before, it can be stressful and overwhelming - but with Alex’s guidance, he will help you cut through the noise and make informed decisions.
These decisions include:
Funding & reducing aged care accomodation payments
Supporting facilities negotiations
Creating strategies to minimise taxation liabilities
Maximising Government support
Estate planning
Centrelink
Alex is constantly updating his knowledge of Government changes and Centrelink structures to help ensure our clients are maximising the resources available to them.
There are a number of Centrelink and Government benefits available, and our team will help identify the entitlements available to you.
These entitlements may include:
Family Tax Benefit
Age Pension
Disability Support Pension
Carers Allowance
& many more
Estate Planning
Estate Planning is vital to any financial plan and important to setup whilst you are healthy and in control. We can refer you to a lawyer to guide you through the process of implementing a valid will, guardianship and options for your children, as well as nominating estate executors to carry out your wishes. As your financial adviser, we will work with the lawyer to make sure your will make sense and is appropriate to your current circumstances.
If your finances are managed primarily by one partner, it’s also important to consider Personal Succession Planning to streamline this area so there is a plan in place to alleviate possible future issues. Throughout the planning process, Alex will work with the lawyer to help you to:
Establish your wishes in the event of the unexpected
Identify and address any associated implications
Implement necessary measure to ensure your wishes are met
Business Succession Planning
Creating a sound Business Succession Plan alleviates the stress of moving on from the successful business you have built.
Alex will help you to unlock the true value of the business you have created, by enabling an orderly change of ownership for yourself or a business partner.
Together we will identify the value that you have created in your business and develop a Succession Plan that:
Identifies the events that will lead to a transfer of equity and control
Safeguard you, your family and your business partners
Ensure a fair price for partner buy-outs
Give you and your partners financial security and stability
Asset Protection
Protecting your assets requires reliable and proven asset protection strategies to ensure that your wealth is protected from generation to generation.
Alex studies your business and your industry to best understand how to safeguard any wealth you have generated from any person or entity that could possibly lay claims against it.
Whether your business is already established or about to start up, we can partner with you to create a tailored and effective strategy to protect your assets.
Alex Cheng and The Trustee for The Cheng Family Trust t/as APC Advice are Authorised Representatives of Synchron for financial planning services, AFS Licence No. 243313.
Download FSCG & Advisor Profile here.
The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.
Statement of Synchron's Privacy Policy - View Here