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bitchinbarzal · 2 years

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Last Christmas | M.Barzal

this is my entry for @antoineroussel christmas fic exchange!

this is for you, @lhugh! happy holidays annie 🎄🤍

this fic does use they/them pronouns as they are annie’s pronouns! 🫶🏼

word count: 2,461 words

Last Christmas, you walked into December planning every festive activity possible; the Rockefeller Christmas tree, Nutcracker at New York City ballet, Radio City Rockettes even letting Mat show you up at skating.

That was until Mat dropped the break up bomb on you. You couldn’t really comprehend it all, too confused and hurt at once.

You were supposed to spend Christmas with Mat and the team at the Martin’s. You never answered Sydney’s texts after the breakup.

You spent Christmas alone.

You were thankful the islanders tanked their 21/22 season. It meant that they all left to go home as soon as possible.

That meant no islanders, no jerseys, no chants on the train home from work.

No Mat.

He went home to Coquitlam two days after the islanders lost to Tampa.

Mat spent his first summer in seven years bouncing around from place to place. He was out on the lake with Tyson for a few weeks and he visited Anthony and Emma when they bought their new home in Quebec.

He wasn’t home long with his family until he got a call, from Brock. His dad had died.

He asked if you and Mat could attend the funeral, his father really adored you both in the time he’d met you and he knew Mat well. Mathew agreed to attend, claiming you were busy but sent your well wishes.

He flew into Minnesota the day prior, dropping off flowers to Brock’s mom and she welcomed him into her home giving him a drink and thanking him for coming.

“He always liked watching you play, unless you played against Vancouver of course” she laughed, Mat gave her a smile “It’s a shame y/n couldn’t come”

“Yeah, it’s a shame” he mumbled.

Next he saw her was at the funeral, listening while she stood talking about her husband, the love she had for him, how much she missed him already.

All Mat could think about when he heard her words were you.

You were his best friend.

You were the person who knew him best.

You were supposed to be around forever.

When Mat got home after that trip he didn’t do much, he was no longer in the mood to go out partying, celebrating with friends.

Mat returned to Long Island in the end of August.

He frequented the coffee shop you guys often did and he even walked the route in the morning you did. He didn’t see you.

It wasn’t until week 3 of attending the same coffee shop that the barista, Logan said to him

“Mat, they don’t come in here anymore I’m sorry. Said they needed a fresh start after the breakup”

He silently nodded to the girl, hoping she hadn’t caught his face falling. He simply took his flat white from the counter and exited to building.

Contract talks started in mid-september.

The organization called in May to the office to discuss; throwing around money and perks.

He took the time to digest the information. He called him mom and dad to see what their opinions were on the whole thing, called his financial advisor and even called Anders but the number he kept hovering over belonged to you.

Everyone’s advice was along the lines of “you need to see yourself settling down in Long Island with a contract term like that” and he did, with you.

The deal was signed on October 4th.

@ny_islanders: “I love It here” says Mathew Barzal, after signing his 8 year extension to stay here in Long Island 💙🤍🧡

You read the tweet, saw the posts and the stories from your mutual friends. You wanted to text him — tell him congratulations, but you couldn’t bring yourself to do it.

So instead, you simply put an orange heart emoji under the islanders post about his extension and scrolled on.

Mat saw it. His heart soared at the simplicity of it but yet the fact he knew you were still thinking of him, that you in some way still cared.

Late October, the leaves were starting to fall and hockey was beginning again. Mat wasn’t playing his best — missing goals, easy passes and a lot of falling over.

People started doubting him; calling him a fake, a money grabber and claiming they wished Lou hadn’t even drafted his extension papers.

Mat started to doubt himself too.

was he good enough?

should he have signed the papers?

was he worth the money?

was Long Island better off without him? were you?

There is was! The real problem.

Ever since that last December his mind had been stuck on you and really it shouldn’t have because it was his fault, he broke up with you.

If anyone asked Mat why you broke up he would say “We just wanted different things”

If Mat was honest with himself he would say “I was scared I wasn’t enough for them”

The first few months of hockey came and passed with not a single goal from Mat.

Lambert pulled him aside one morning at practice to tell him “You better get your head out of your ass son because one more game the way you’ve been going and you’ll be benched for the rest of this year”

The last game in November, against Philadelphia Mat was a healthy scratch.

His punishment was over by the next game but Lane told him in no specific terms he had to step up. Mat just groaned and mumbled a “Yeah, I’m fucking trying” before leaving the office.

It was harder now that it was December.

In summer he could just pretend things weren’t different.

You weren’t at his families house? You had to be with your mom.

He was alone at the casino event? You had work.

But Christmas, that was different. Christmas wasn’t something he could sweep under the rug and pretend you were busy.

You’d spent every Christmas together since Mat was eighteen years old. Your first Christmas in New York was an overwhelming experience and Mat thought it adorable at how excited you were about everything.

He bought you a necklace that year. It had his number on it, the gold chain necklace held the number thirteen on your chest and you never took it off.

It was a staple piece in your collection, whenever someone at one of your fancy work dinners or meetings would ask

“Hey why does your necklace have the thirteen on it?”

You would smile so bright, in such adoration and reply “My boyfriend, mat. He plays hockey for the New York Islanders and he’s number thirteen! but always number one to me” and everyone would laugh and call you cute.

You’d left that necklace behind the night you’d packed your stuff up to leave. Mat found it when he returned home from Boston on an away game to find you’d obviously been in and cleared out your belongings too while he was gone.

He took the necklace and posted it to your mom’s house, the only address connected to you he knew. He never knew if you’d gotten it back, not that it mattered much anyway because why would you want to wear it after you’d broken up?

Mat’s no goal streak continued up to the last game before Christmas, December 23rd and he was goal-less.

He was so frustrated at everything he couldn’t think straight about getting this goal. He was spending Christmas alone for the second year in a row — alone, without you.

He couldn’t stop thinking about you no matter how hard he tried. How you’d been here tonight wearing a silly Christmas jumper and cheering about the last game before Christmas.

They tanked the first period, Tkachuk got away with the puck leaving them up one by the end of the first. There were so many penalties, stupid penalties. It was a mess.

Second period, they equalised in the first few minutes with a goal from Beau before Brock got them up another which was matched not long after by Florida.

When the third period hit it was like something went off in Mat, that he had a surge of energy.

He got a goal, his first season goal! Then another and another with only a few seconds left on the clock.

Hat-trick. He got a hatty.

He’d done it. He finally scored a goal this season, they won the game and he got a hat-trick!

So why didn’t he feel like it was enough?

When he got back to the locker room, Mat pulled his phone out of his bag and looked at his notifications; texts from friends and family congratulating him on the goals, random emails but it was as though he was searching for something.

He clicked through the phone until he landed on what he wanted and pressed it before holding the phone up to his ear.

It rang twice before it connected

“Hello?”

“Um, hey! This is weird and I’m not sure why I’m doing this but I felt like I had to because, well because I scored my first goal of the season tonight. I scored my first season goal and I got a hatty too which I mean is a lot but I don’t feel like it’s enough”

Mat sighed, completely blocking out his team-mates listening to this conversation and looking on with sympathy

“It’s not enough because I know you’re not here-“

“-Mat-“

“No, please let me finish it’s taken me long enough to get the courage to call you. I was stupid for what I did last Christmas and I will wholeheartedly tell you that this year has been the worst year of my life and maybe you call that karma, I call it a wake up call that you… you’re the love of my life and that I want to be with you, I was scared and stupid but I’m better I will be better for you! I’m ready to be the man you need”

After his spiel, Mat took a deep breath awaiting your answer but instead was met with a dead line.

You hung up on him.

Mat looked dejectedly at him phone in hand before he got up to get dressed as he was very spitefully aware of the media and press awaiting him outside the door.

He breezed through media by giving them one word answers and a bored look, they usually let him away early when he did that.

Collecting his bag from the now empty locker room and sulking down the hallway towards the car park.

He wasn’t even looking up, instead opted for the wonderful view of his scuffed shoes. Paying so little attention he didn’t even see you standing at the end of the hallway.

“Nice shot!” His head whipped up, locking eyes with you almost immediately.

You watched his face go through a multitude of emotions before it softened and he muttered “What-“

“I was here Mat” is what you said, gesturing to the stairs you’d descended from your seat “I was sat up there and I watched it, I was cheering you on”

Mat was speechless, fumbling over his words and his eyes flickered across your body, trying to drink you in while you were stood in front of him before his eyes landed on your neck.

Lay on your black shirt was a necklace, the necklace.

The number thirteen lay to elegantly on your chest “You got it”

You looked down and smiled “Oh yeah, my mom sent it to my apartment” playing with it between your thumb and pointer finger.

A soft silence settled between you both, it wasn’t weird or awkward — it could never be awkward between you and Mat.

Until Mat broke the silence by asking

“Why are you here?”

You smiled gently “The islanders last game before Christmas has always been my tradition since I moved to New York you know that and so I never changed it this year, despite the circumstances” the last bit was a little snappy and he knew that.

“I meant what i said on that call by the way” you nodded curtly as a reply before holding out your hand for him to take

“How about you drive us around that neighbourhood with the good Christmas lights and we can talk, in the car eh?”

The Christmas lights, another tradition between you both.

Mat reached out, clasping his hand in yours and nodding “Yeah, let’s do that”

The lights on peoples home’s had somehow gotten better this year and you admired them all in a childlike fashion from the passenger seat of Mathew’s Range Rover.

“This is one of my favourite traditions we started” you say, still looking out the window. Your hand rested now on the console in the middle of the car.

Mat slipped his hand into yours, taking a leap of faith which paid off when you clasped it in yours and squeezed it.

“Yeah, i love it” he muttered, pulling the car into the side of the road now you’d reached the end of the street.

You turned to him now, waiting for him to say something.

“Listen, this is all really weird and I wish I was better with words because I would like to be able to tell you the million and one ways in which I absolutely adore you and regret what I did last Christmas every single day. However, what I can do is promise you, I promise you that I will work everyday to prove to you how much I love you and how sorry I am — I ruined Christmas and I think that’s what hurts the most is that I tainted something you love so much-“

You cut him off then, your hands resting on his cheeks; forcing him to look at you and you said “Christmas is not ruined, Christmas has brought me back to the boy I love with my whole heart and being. Don’t you ever think that you ruined Christmas because sure it wasn’t fun last year but we will have a million more Christmas’ to make up for it”

He nodded, head moving slightly so he could press a kiss onto your palm “I’ll make every Christmas the most special just for you”

“As long as I’ve got you, baby any Christmas is special”

On Christmas, when Mat arrived late to the Lee’s for Christmas with the team he walked in smiling

“Sorry, sorry I’m late I had to pick something up!”

“Dude it’s Christmas Day where could you possibly have gone to pick-“ Anthony cut himself off when he saw you enter the house, gifts stacked up in your arms that you placed on the table next to the door before grabbing Mat’s outreached hand.

“Oh my god, it’s a Christmas miracle!”

#mat barzal x reader #mat barzal imagine #nhl imagine

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silverloomadvisorygroup · 18 days

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Top Financial Planners in Sydney: How to Choose the Right One for Your Goals

Finding the right financial planner for yourself in Sydney can be tricky. whether you're seeking help with retirement planning, investment development, or just general financial planning. In Sydney, there are many financial advisory companies to choose from; therefore, make sure they complement your objectives. We'll go over the important factors to take into account in this post when selecting the ideal financing plan for your unique requirements.

The Significance of a Financial Planner

Personal finance has grown increasingly complicated over time. A lot of people are searching for professional help with retirement planning, tax planning, asset management, and investment. A professional financial planner can offer knowledge, analysis, and a tailored plan to help you maximise your financial strength while reducing risks.

Here are some justifications for why working with a financial planner is crucial.

Personalised financial planning:A financial planner develops plans according to your unique situation and financial objectives.

Professional financial advice: They walk you through a variety of financial possibilities and suggest ones that fit your long-term plan and risk tolerance.

Tax efficiency: By using efficient planning, financial advisors can reduce taxes.

Retirement Planning: You can have a secure and relaxing retirement with the help of a well-organised retirement plan.

How to Pick Sydney's Finest Financial Advisor

Having an overview of your goals and needs is essential to choosing the best financial planner. Prior to choosing a choice, careful study is crucial. The following are essentials for selecting the best financial advisor:

1. Understand your financial goals.

Consider your financial objectives carefully before scheduling a meeting with a financial planner. Are you trying to store wealth for the long term? Or do you require urgent assistance with budgeting and cost control? Setting specific objectives can help you select a planner that specialises in the things that are most important to you and guarantee that you can communicate effectively.

2. Look for Proper Qualifications

Financial planners must have the necessary credentials and qualifications, which can vary depending on the services provided. Look for certified professionals, e.g.

Certified Financial Planner (CFP®):This globally recognised certification ensures that planners meet the rigors financial planning standards.

Chartered Financial Analyst (CFA):A qualification that focuses on financial analysis and analysis.

CPA (Certified Public Accountant): Ideal for those looking for a planner with a comprehensive tax background.

These certifications ensure that your financial advisor has the necessary skills and is committed to ethical practices.

3. Check Their Experience

Experience matters when selecting a financial advisor. Years of practical experience make a consultant more capable of handling difficult financial circumstances, volatile markets, and long-term planning. Always ask for their background in specific financial matters that meet your needs.

Retirement planning: Look for planners who specialise in long-term retirement plans.

Banks: Make sure they have a track record of using banks.

Tax Planning:For high-networth individuals, tax efficiency is often an important part of financial planning.

4. Understand Their Fee Structure

Financial planners use different fee structures, and understanding this will help you find an advisor that fits within your budget. The common types of fee models are:

Fee-only: Advisers charge a flat fee or a percentage of the assets they manage. There are no commitments, reducing the possibility of conflicts of interest.

Commission-based: These planners make money based on sales, which can sometimes lead to biassed advice.

Fee-based: A combination of both, where advisors charge a fee but can also get a fee for certain things.

Make sure the planner’s fee structure is clear, and ask questions about disagreements.

5. Review Their Services

Different financial planners offer a variety of services, ranging from financial planning to comprehensive financial planning. Choose a planner that offers the services you need. immediately:

Investing:If growing your wealth is your primary objective, make sure the planner is skilled in creating portfolios.

Retirement planning:A comprehensive retirement plan that includes a pension plan, Social Security, and personal savings is essential for those approaching retirement age.

Estate planning: Estate planning services are a must for families who want to preserve wealth for generations.

6. Check Reviews and Ask for Referrals

One of the best ways to find a reliable financial planner is through referrals from family and friends. Additionally, online reviews provide valuable insights into the experiences of other clients. Look for firms that have a strong reputation for client satisfaction, transparency, and professionalism.

Top financial planners in Sydney

When it comes to financial planning in Sydney, there are many firms that stand out for their expertise, client-first approach, and have proven Below are top choices, with Silverloom Advisory Group known for including their own detailed budget.

1. Silverloom Consulting Group

Silverloom Advisory Group is a leading investment advisory firm in Sydney. They offer a full range of financial planning services, including investments, pension plans, asset management, and tax strategies. Their team of experienced advisors focuses on helping clients build long-term wealth by achieving specific financial goals.

2. Wealth advisory group

A financial consulting firm is another great option for those seeking specialised financial planning services. They are known for a holistic approach that integrates economic and social policy. The firm offers customised services based on the needs of individual clients as well as comprehensive wealth preservation and growth strategies.

3. Special Finance Department

Prime Financial Services provides compelling solutions for individuals and businesses seeking personalised financial advice. They specialise in pension planning, investment management, and asset management, with a focus on building tax-efficient tax strategies for long-term wealth creation.

4. Financial Architects Sydney

Focusing on innovation and personalised planning, Financial Solutions Sydney helps clients navigate financial challenges from investment strategies to estate planning. With a set approach day to meet each client’s unique goals, ensuring a bespoke budget.

Final Thoughts

Your financial future may be significantly impacted by selecting the best financial adviser in Sydney. With so many options at your service, it's critical to select a planner that meets your unique requirements and goals. Seek out a provider with a wealth of financial planning experience and a clear, transparent service. If you can manage it, a well-chosen planner will not only support you through difficult financial decisions but also offer tailored solutions for long-term success, guaranteeing that your financial well-being is under control.

#Silverloom Advisory Group

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accountantsau · 1 month

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How Hiring Personal Tax Accountants Managing Investments & Saving?

Some highly qualified and experienced personal tax accountants provide realistic advice on tax savings, tax returns, and benefits when it comes to managing personal income taxes and meeting financial goals and commitments. Individuals and businesses can have advantages if they hire an experienced accounting expert to manage and improve their finances, investments and savings.

These certified tax accountants use their extensive knowledge of tax rules and regulations to provide valuable insights into overdue tax returns in Sydney for industry-specific deductions, equipment expenses, and motor vehicle expenses.

Furthermore, tax consulting experts offer not only Excel services for tax preparation but also cash assistance. They also have experience negotiating the difficult mortgage process with the help of experienced accountants and financial advisors.

Hire Personal Tax Accountants to Manage Investments and Savings:

Expert tax accountants use their intelligence and knowledge to create strategic investment plans that maximise returns while minimising taxes on their investments.

They thoroughly evaluate their client's financial status, identifying both qualifying and unanticipated deductions and credits. They can create personalised programmes that reduce tax liabilities while remaining compliant by utilising their extensive understanding of tax legislation and regulations.

Tax accountants offer vital advice on conserving money and preparing for total expenses to reduce unnecessary waste of money.

They also have strategic investment plans in place to maximise the benefits of any tax advantages.

The risk of an investigation is reduced by its meticulous documentation, which also ensures proper submission. They provide legal assistance throughout an inspection and proceed boldly through the procedure.

Overall, people should consult with professional tax accountants for not only personal taxation, return and investment planning but also commercial financial planning. They help their clients focus on their primary activities by resolving complex tax concerns.

Therefore, finding a dedicated tax and finance accountant who has expertise in handling tax legalities and challenges, increasing returns, reducing tax stress, and receiving strategic financial benefits.

Source

#personal tax accountants #overdue tax returns Sydney

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efficientcapital01 · 2 months

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Steps to Take Before Applying for a Home Loan in Sydney

Steps to Take Before Applying for a Home Loan in Sydney Securing a home loan in Sydney is a significant financial decision that requires careful planning and preparation. By taking the right steps before applying for a home loan, you can improve your chances of securing the best home loans Sydney has to offer. In this blog, we will outline the essential steps you should take to ensure a smooth home loan application process. 1. Assess Your Financial Situation Before applying for home loans Sydney, it is crucial to assess your financial situation. This includes evaluating your income, expenses, savings, and existing debts. Understanding your financial standing will help you determine how much you can afford to borrow and repay. By having a clear picture of your finances, you can identify the best home loans Sydney that align with your budget and financial goals. 2. Check Your Credit Score Your credit score plays a vital role in determining your eligibility for home loans Sydney. Lenders use your credit score to assess your creditworthiness and the risk of lending to you. A higher credit score increases your chances of securing the best home loans Sydney with favorable terms. Obtain a copy of your credit report and check for any errors or discrepancies. If needed, take steps to improve your credit score before applying for a home loan. 3. Save for a Down Payment One of the essential steps before applying for home loans Sydney is to save for a down payment. The size of your down payment affects the loan amount you need and the interest rate you will be offered. Generally, a larger down payment can help you secure the best home loans Sydney with lower interest rates. Aim to save at least 20% of the property's purchase price to avoid paying private mortgage insurance (PMI). 4. Research and Compare Home Loans With a myriad of home loans Sydney available, it is essential to research and compare different loan products. Consider factors such as interest rates, loan terms, fees, and repayment options. Look for the best home loans Sydney that suit your financial needs and long-term goals. Comparing various loan products will help you make an informed decision and find the most suitable loan for your situation. 5. Get Pre-Approved for a Home Loan Getting pre-approved for home loans Sydney is a crucial step in the home-buying process. A pre-approval letter from a lender shows that you are a serious buyer and have the financial capacity to purchase a property. It also gives you a clear idea of how much you can borrow, making it easier to narrow down your property search. Additionally, pre-approval can help you secure the best home loans Sydney by demonstrating your creditworthiness to sellers.

6. Gather Required Documentation Before applying for home loans Sydney, gather all the necessary documentation required by lenders. This typically includes proof of income, bank statements, tax returns, identification, and details of your existing debts and assets. Having these documents ready will streamline the application process and demonstrate your preparedness to lenders. Being organized and thorough with your documentation can help you secure the best home loans Sydney efficiently. 7. Seek Professional Advice Navigating the home loan application process can be complex, especially with the numerous home loans Sydney available. Seeking professional advice from a mortgage broker or financial advisor can provide valuable insights and guidance. A mortgage broker can help you find the best home loans Sydney by comparing different loan products and negotiating favorable terms on your behalf. Efficient Capital: Your Partner in Securing the Best Home Loans Sydney When it comes to finding the best home loans Sydney, Efficient Capital is your trusted partner. With their extensive knowledge of the lending market and personalized approach, Efficient Capital can help you secure the most suitable home loan for your needs. Their team of experienced professionals will guide you through the entire process, ensuring a smooth and successful home loan application. In conclusion, taking the right steps before applying for home loans Sydney can significantly enhance your chances of securing the best home loans Sydney. By assessing your financial situation, improving your credit score, saving for a down payment, and seeking professional advice, you can navigate the home loan application process with confidence. Partnering with Efficient Capital ensures that you receive top-notch service and support in securing your dream home.

#home loans Sydney #best home loans Sydney

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effiientcapital02 · 2 months

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Steps to Take Before Applying for a Home Loan in Sydney

#home loans Sydney #best home loans Sydney

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efficientcapitalsolutions01 · 2 months

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Steps to Take Before Applying for a Home Loan in Sydney

#home loans Sydney #best home loans Sydney

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creativeindustryaccountants · 2 months

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Unlocking Success: The Role of Corporate Advisory in Sydney's Thriving Business Landscape

Sydney, Australia's bustling economic hub, is home to a vibrant and diverse business community. From startups to established corporations, businesses in Sydney face an array of challenges and opportunities. Navigating this dynamic environment often requires expert guidance, which is where corporate advisory services come into play. In this blog post, we'll explore the pivotal role that corporate advisory firms play in Sydney's thriving business landscape and how they help companies unlock their full potential.

What is Corporate Advisory?

Corporate advisory encompasses a range of services aimed at helping businesses make informed decisions, optimize operations, and achieve strategic objectives. These services include financial advisory, mergers and acquisitions (M&A), business restructuring, risk management, and strategic planning. Corporate advisors are seasoned professionals with deep industry knowledge and expertise in various aspects of business management.

The Sydney Advantage

Sydney's unique business environment offers both opportunities and challenges. As one of the Asia-Pacific region's leading financial centers, Sydney attracts investment and talent from around the world. The city's strategic location, robust infrastructure, and vibrant cultural scene make it an attractive destination for businesses looking to expand or establish a presence in Australia.

However, with opportunity comes competition. Businesses in Sydney must navigate complex regulatory landscapes, manage economic fluctuations, and stay ahead of industry trends. This is where corporate advisory services become invaluable.

Key Services Offered by Corporate Advisory Firms in Sydney

1. Financial Advisory

Financial advisory services help businesses manage their finances more effectively. This includes budgeting, financial planning, and forecasting. Advisors can also assist with capital raising, helping businesses secure the funding they need to grow.

2. Mergers and Acquisitions (M&A)

Sydney's dynamic market is ripe for mergers and acquisitions. Corporate advisory firms provide essential support throughout the M&A process, from identifying potential targets to conducting due diligence and negotiating deals. Their expertise ensures that transactions are strategically sound and financially beneficial.

3. Business Restructuring

When businesses face financial difficulties or need to adapt to changing market conditions, restructuring becomes necessary. Corporate advisors guide companies through the restructuring process, helping them streamline operations, reduce costs, and improve profitability.

4. Risk Management

In today's uncertain world, effective risk management is crucial. Corporate advisory firms help businesses identify potential risks and develop strategies to mitigate them. This proactive approach safeguards companies against unforeseen challenges and ensures long-term stability.

5. Strategic Planning

Strategic planning is essential for businesses aiming for sustained growth. Corporate advisors work with companies to develop comprehensive business strategies, set achievable goals, and create roadmaps for success. Their insights and expertise enable businesses to stay competitive and responsive to market changes.

Benefits of Engaging a Corporate Advisory Firm

Expertise and Experience

Corporate advisors bring a wealth of experience and industry knowledge to the table. Their insights are grounded in years of working with diverse clients across various sectors. This expertise helps businesses make informed decisions and avoid common pitfalls.

Objective Perspective

Sometimes, internal teams can be too close to the business to see the bigger picture. Corporate advisors provide an objective, external perspective that can uncover hidden opportunities and address overlooked issues. Their impartiality ensures that recommendations are in the best interest of the company.

Tailored Solutions

Corporate advisory firms understand that every business is unique. They offer customized solutions tailored to the specific needs and goals of each client. This personalized approach ensures that businesses receive the support they need to achieve their objectives.

Enhanced Decision-Making

Access to expert advice enhances the quality of decision-making. Corporate advisors provide data-driven insights and strategic recommendations, empowering businesses to make informed choices that drive success.

Choosing the Right Corporate Advisory Firm in Sydney

Selecting the right corporate advisory firm is crucial for maximizing the benefits of their services. Here are some factors to consider when making your choice:

Reputation and Track Record

Research the firm's reputation and track record. Look for client testimonials, case studies, and industry recognition. A firm with a proven history of successful engagements is more likely to deliver positive results.

Industry Expertise

Ensure that the firm has experience in your industry. Industry-specific knowledge is invaluable when addressing sector-specific challenges and opportunities.

Range of Services

Consider the range of services offered by the firm. A comprehensive suite of services ensures that all your business needs can be addressed under one roof.

Communication and Compatibility

Effective communication is key to a successful advisory relationship. Choose a firm that values transparency, collaboration, and open dialogue. Compatibility in terms of working style and values is also important.

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adele-baaini · 2 months

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Business Development Manager at ANZ Bank

As a seasoned Business Development Manager at ANZ Bank in Sydney, Adele Baaini brings 10 years of experience and a wealth of knowledge in financial planning. Adele specialises in mentoring and training new advisors, leveraging her expertise to guide them in navigating the complexities of the industry. Her dedication to education and professional development empowers the next generation of financial professionals. Connect with Adele to learn more about her journey and how she can help you achieve your professional goals.

#financial #financialplanner

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businessadvisorynsw · 3 months

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#financial management solution #bookkeeping services sydney #financial planning advisor sydney

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propwealth · 2 months

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Purchasing Investment Property with PropWealth: Your Pathway to Financial Success

Investing in property is a pivotal strategy for building wealth and securing financial stability. Whether you're a seasoned investor or embarking on your first property purchase, navigating the complexities of purchasing investment property requires knowledge, foresight, and a trusted partner. PropWealth, a leader in property investment across Brisbane, Canberra, Sydney, Melbourne, Perth, and Adelaide Australia, stands ready to guide you through this journey with a commitment to excellence, innovation, and unparalleled service.

Also see - Purchasing Investment Property

Understanding Real Property Investment

Investing in real estate involves acquiring properties with the intention of earning returns through rental income, capital appreciation, or both. Unlike other forms of investment, real estate offers tangible assets that tend to appreciate over time, providing investors with a hedge against inflation and potential tax benefits. For many, purchasing investment property is a cornerstone of diversifying their investment portfolio and achieving long-term financial goals.

Why Choose PropWealth?

PropWealth isn't just a real estate agency; it's your strategic partner in maximizing investment opportunities. With a dedication to delivering quality service and exceeding client expectations, PropWealth leverages data-driven research and expert analysis to identify properties that align with your financial objectives. Whether you're seeking high rental yields, capital growth potential, or a combination of both, PropWealth offers tailored solutions designed to optimize your investment returns.

Real Estate Investing in Major Australian Cities

Australia's property market is characterized by diverse opportunities across major cities and regional areas. PropWealth specializes in curating a portfolio of properties located in strategic locations with strong economic fundamentals and growth potential. From inner-city apartments in Melbourne to suburban homes in Brisbane, our team of experienced advisors provides comprehensive insights into local market trends and investment dynamics.

Buying an Investment Property: PropWealth's Approach

The process of purchasing an investment property begins with a thorough understanding of your financial goals, risk tolerance, and investment timeline. PropWealth offers personalized consultation to assess your needs and preferences, ensuring that each property recommendation aligns with your investment strategy. Our proactive approach includes:

Market Research: Conducting detailed market research and analysis to identify emerging trends and investment opportunities.

Property Selection: Evaluating properties based on criteria such as location, rental potential, infrastructure developments, and future market projections.

Financial Planning: Providing guidance on financing options, cash flow projections, and tax implications to optimize your investment outcomes.

Negotiation and Acquisition: Assisting with negotiations, contract management, and legal processes to facilitate a seamless transaction.

Key Considerations When Purchasing Investment Property

When evaluating investment property opportunities, several factors warrant consideration:

Location: Choosing properties in prime locations with proximity to amenities, transport hubs, schools, and employment opportunities enhances rental demand and potential capital growth.

Property Type: Assessing the suitability of property types, such as residential apartments, houses, commercial spaces, or specialized assets, based on your investment goals and risk profile.

Market Conditions: Monitoring market conditions, including supply and demand dynamics, rental vacancy rates, and economic indicators, to mitigate risks and capitalize on opportunities.

Long-Term Strategy: Developing a long-term investment strategy that aligns with your financial goals, whether it involves building a diversified portfolio, generating passive income, or planning for retirement.

PropWealth: Your Trusted Partner in Property Investment

PropWealth is committed to redefining your experience of purchasing investment property with professionalism, integrity, and a client-centric approach. Our team of dedicated professionals strives to deliver exceptional service and superior results, ensuring that every investment decision is informed and strategic. With a focus on innovation and reliability, PropWealth remains at the forefront of the property investment industry, empowering clients to achieve financial freedom through strategic real estate investments.

Conclusion

In conclusion, purchasing investment property with PropWealth offers more than acquiring real estate—it's about securing your financial future with confidence. With a commitment to excellence and a reputation for delivering results, PropWealth stands ready to guide you through the intricacies of property investment. Whether you're looking to expand your portfolio, generate passive income, or capitalize on market opportunities, PropWealth provides the expertise and resources to help you achieve your investment goals. Embrace the potential of real estate investing with PropWealth and embark on a journey towards financial success today.

Also explore -

Real Estate Investing

Real Property Investment

Buying an Investment Property

Properties for Investors

Invest in Australian Property

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jameshayesfp · 2 days

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Certified Financial Planner Australia | James Hayes

Certified Financial Planner Australia: James Hayes

In an increasingly complex financial landscape, individuals and families in Australia often find themselves overwhelmed with choices. Whether it's saving for retirement, investing wisely, or navigating tax implications, the importance of professional financial guidance cannot be overstated. This is where a Certified Financial Planner (CFP) like James Hayes comes into play. With expertise tailored to the Australian financial system, James Hayes stands out as a reliable ally in achieving financial goals.

What is a Certified Financial Planner?

A Certified Financial Planner is a professional who has met specific education, training, and ethical standards set by the Financial Planning Association (FPA) in Australia. CFPs have a comprehensive understanding of personal finance, investment strategies, tax laws, estate planning, and risk management. They provide personalized advice tailored to the individual needs and goals of their clients.

Why Choose a Certified Financial Planner?

Expertise and Qualifications: Certified Financial Planners undergo rigorous training and testing to earn their certification. This ensures they possess the knowledge necessary to guide clients through various financial decisions.

Comprehensive Planning: Unlike general financial advisors, CFPs take a holistic approach to financial planning. They assess every aspect of a client’s financial situation to create a well-rounded strategy.

Regulatory Compliance: CFPs are bound by a strict code of ethics and must adhere to the guidelines established by regulatory bodies. This commitment ensures that clients receive trustworthy and reliable advice.

Ongoing Support: Financial planning is not a one-time service. A certified planner like James Hayes provides ongoing support, ensuring that your financial strategy adapts to life changes and market fluctuations.

About James Hayes

Background and Experience

James Hayes is a highly respected Certified Financial Planner based in Sydney, Australia. With years of experience in the financial services industry, he has built a reputation for delivering personalized financial solutions. His approach is centered on understanding each client’s unique circumstances and crafting strategies that align with their financial aspirations.

Client-Centric Approach

What sets James apart is his commitment to his clients. He believes in building long-term relationships based on trust, transparency, and understanding. James takes the time to listen to his clients’ needs, goals, and concerns, ensuring that the financial strategies he proposes are not only effective but also meaningful.

Tailored Financial Solutions

Every individual’s financial situation is unique. James recognizes this and tailors his services to meet the specific needs of each client. Whether you’re a young professional just starting your career or a retiree looking to maximize your retirement income, James has the expertise to help you navigate your financial journey.

Is It Worth Paying for a Financial Advisor in Australia?

Understanding the Costs

One of the most common questions people have when considering hiring a financial advisor is whether the expense is justified. Financial advisors in Australia typically charge fees in several ways:

Hourly Rate: Clients pay for the time the advisor spends on financial planning.

Flat Fee: A predetermined fee for specific services or a comprehensive financial plan.

Percentage of Assets Under Management (AUM): Advisors charge a percentage of the assets they manage for the client.

The Value of Professional Financial Advice

Expertise and Knowledge: Financial advisors bring specialized knowledge that can help clients make informed decisions and avoid costly mistakes. With a professional's guidance, clients can navigate complex financial situations more effectively.

Customized Strategies: A financial advisor develops personalized strategies based on a client's unique financial situation and goals. This tailored approach can lead to better outcomes compared to generic advice.

Time Savings: Managing finances can be time-consuming and stressful. Hiring a financial advisor allows clients to focus on other aspects of their lives while knowing their financial matters are being handled by an expert.

Long-Term Financial Health: A good financial planner can help clients develop a sustainable plan for long-term wealth accumulation and preservation, ensuring that their financial future is secure.

Accountability: A financial advisor holds clients accountable for their financial decisions, helping them stick to their plans and make adjustments as necessary.

While hiring a financial advisor represents a financial commitment, the potential benefits often outweigh the costs. Many individuals find that the expertise, customized strategies, and ongoing support provided by professionals like James Hayes lead to enhanced financial security and peace of mind.

The Importance of Financial Planning in Australia

Economic Landscape

Australia's economic landscape is continuously evolving. With fluctuations in the market, changes in government policies, and increasing living costs, having a solid financial plan is more important than ever. A Certified Financial Planner can provide invaluable insights into market trends and economic conditions, allowing clients to make informed decisions.

Achieving Financial Goals

Many Australians have specific financial goals, whether it's purchasing a home, funding education, or planning for retirement. A financial planner can help break these goals down into actionable steps, creating a clear pathway to success.

Reducing Financial Stress

Managing finances can be overwhelming, particularly for those with complex financial situations. A Certified Financial Planner like James Hayes can alleviate this stress by providing structured plans and ongoing support. Knowing you have a professional looking out for your financial well-being can provide peace of mind.

The Value of Professional Financial Advice

Avoiding Costly Mistakes

Without professional guidance, individuals may make financial decisions that could lead to significant losses. A Certified Financial Planner has the knowledge to help clients avoid common pitfalls, ensuring that their investments and financial choices align with their goals.

Maximizing Returns

A well-structured financial plan can lead to better investment returns. James Hayes uses his expertise to help clients make informed investment choices, ensuring their money is working as effectively as possible.

Tax Efficiency

Taxation can significantly impact your financial situation. James provides strategies to ensure that clients minimize their tax liabilities while remaining compliant with Australian laws. This can result in substantial savings over time.

FAQs about Certified Financial Planners in Australia

1. What qualifications should I look for in a financial planner?

Look for a Certified Financial Planner (CFP) designation, which ensures they have met rigorous education and ethical standards.

2. How can a financial planner help me achieve my goals?

A financial planner assesses your financial situation and creates a personalized strategy to help you reach your specific goals, whether that's saving for retirement, buying a home, or funding education.

3. Are financial planners expensive?

While there is a cost associated with hiring a financial planner, the potential benefits and savings often outweigh the fees, making it a worthwhile investment.

4. How often should I meet with my financial planner?

Regular meetings are recommended, typically at least annually, to review your financial plan and make necessary adjustments.

5. Can I manage my finances without a financial planner?

While it’s possible to manage finances independently, a Certified Financial Planner can provide expertise and guidance that may lead to better financial outcomes.

6. What services do financial planners typically offer?

Services can include investment advice, retirement planning, tax strategies, estate planning, and debt management.

7. What is the difference between a financial planner and an accountant?

While both offer financial advice, financial planners focus on long-term strategies, whereas accountants primarily handle tax preparation and compliance.

8. Can financial planners help with debt management?

Yes, many financial planners, including James Hayes, offer strategies to help clients manage and reduce their debt effectively.

9. Is it possible to switch financial planners?

Yes, clients can change financial planners if their current one does not meet their needs.

10. How do I choose the right financial planner for me?

Consider your specific financial needs, check their qualifications, read reviews, and schedule a consultation to gauge their fit for your situation.

Conclusion

In a world filled with financial uncertainties, having a Certified Financial Planner like James Hayes in your corner can make all the difference. His commitment to personalized service, comprehensive knowledge of the Australian financial landscape, and dedication to client success set him apart as a trusted advisor. Whether you’re just starting your financial journey or are looking to refine your existing strategies, James Hayes offers the expertise and support needed to achieve your financial goals. Investing in professional financial advice is not just a choice; it’s a crucial step toward a secure financial future.

#financial planner #james hayes #retirement

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edycobuilder · 3 months

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Things to Consider When Building a New Home in Sydney

Building a new home is a significant investment and an exciting venture. Sydney, with its stunning landscapes and vibrant culture, is an ideal location for many aspiring homeowners. However, building a new home in Sydney comes with its own unique set of challenges and considerations. From understanding the local climate to navigating the regulatory landscape, here are some crucial factors to keep in mind.

Understanding the local Climate

Sydney’s climate plays a critical role in the design and construction of your home. The city experiences mild winters and hot, humid summers. Ensuring your home is designed to cope with these conditions is essential.

This includes choosing materials that provide good insulation, incorporating features for adequate ventilation, and possibly installing solar panels to take advantage of the abundant sunshine. Moreover, bushfire-prone areas require specific building materials and design considerations to enhance safety.

Budgeting and Financing

Establishing a realistic budget is a fundamental step in the home-building process. This should encompass all costs, including land purchase, design fees, construction costs, and contingency funds for unexpected expenses. Securing financing is another critical aspect.

It’s advisable to explore different mortgage options and speak with financial advisors to find the best solution for your situation. Keep in mind that costs can vary significantly depending on the complexity of the design, the quality of materials, and the choice of builder.

Choosing a Reliable Builder

The success of your home-building project largely depends on the builder you choose. It’s crucial to select a reputable new home builder in Sydney with a proven track record. Look for builders who are licensed, insured, and have positive reviews from past clients.

Visiting previous projects and speaking with past clients can provide valuable insights into the builder’s quality of work and reliability. A good builder will not only deliver a high-quality home but also help manage the project efficiently, keeping it on time and within budget.

Navigating Regulatory Requirements

Building a home in Sydney involves complying with a variety of regulations and obtaining the necessary permits. This includes adhering to local council regulations, building codes, and environmental guidelines.

Engaging a knowledgeable builder or architect who understands the local regulatory landscape can simplify this process. They can help ensure that your building plans meet all legal requirements, preventing costly delays and modifications down the line.

Design and Lifestyle Considerations

Your new home should reflect your lifestyle and personal preferences. Spend time thinking about your needs and how they might evolve in the future. Consider the number of bedrooms and bathrooms, the layout of living spaces, and features such as a home office or a dedicated entertainment area.

Outdoor spaces are also important, especially in a city like Sydney where the climate allows for year-round outdoor living. Engaging an architect can help translate your vision into a practical and aesthetically pleasing design.

Planning for the Future

When building a home, it’s essential to think long-term. Consider how your needs might change over the years and plan accordingly. This might involve designing flexible spaces that can be adapted for different uses or ensuring that the home can accommodate future extensions.

Additionally, think about the resale value of your home. Features such as energy efficiency, modern amenities, and a desirable location can enhance your home’s marketability should you decide to sell in the future.

Building a new home in Sydney is a complex yet rewarding process. By carefully considering these factors and working with experienced professionals, you can create a home that not only meets your current needs but also stands the test of time. Whether you’re building a family home or a personal retreat, thoughtful planning and attention to detail are key to achieving your dream home in this beautiful city.

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btmhtax · 3 months

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Your Ultimate Guide: Mastering Tax Strategies in Sydney's Eastern Suburbs

Individuals and enterprises in Sydney's Eastern Suburbs may find it challenging to deal with the intricate tax environment. However, mastering effective tax strategies is essential for optimizing your finances, minimizing tax liabilities, and ensuring compliance with ever-evolving tax laws.

This ultimate guide will provide you with insights into the best tax strategies tailored to the unique economic environment of Sydney's Eastern Suburbs.

Understanding the Tax Environment

The first step to mastering tax strategies is to understand the tax environment in Sydney's Eastern Suburbs. This region, known for its affluent residential areas and vibrant commercial hubs, presents both opportunities and challenges. Local tax regulations and incentives can significantly impact your tax planning. Being aware of the specific tax obligations and benefits available in this area is crucial for effective tax management.

Comprehensive Tax Planning

Comprehensive tax planning is at the core of mastering tax strategies. This involves a thorough review of your financial situation, including income, expenses, assets, and liabilities. For businesses, it also includes evaluating revenue streams, operational costs, and investment plans.

By understanding your financial landscape, you can identify opportunities for tax savings and develop strategies to minimize tax liabilities. Regularly reviewing and updating your tax plan ensures that it remains aligned with your financial goals and the changing tax laws.

Leveraging Tax Deductions and Credits

One of the most effective ways to reduce your tax burden is by leveraging available tax deductions and credits. For individuals, this could include deductions for work-related expenses, charitable donations, and investment losses. For businesses, deductions might involve operational costs, employee benefits, and capital expenditures.

Additionally, taking advantage of tax credits for research and development, energy-efficient improvements, and other eligible activities can further reduce your tax liabilities. Staying informed about the latest deductions and credits is key to maximizing your tax savings.

Effective Asset Management

Managing your assets effectively is another crucial aspect of mastering tax strategies. This includes considering the timing of asset purchases and sales to optimize capital gains tax. Holding assets for longer periods can qualify for lower long-term capital gains tax rates, while strategically selling underperforming assets can offset gains with losses.

Additionally, investing in tax-efficient accounts, such as superannuation funds, can provide significant tax benefits. Proper asset management not only enhances your financial health but also reduces your overall tax burden.

Business Structuring for Tax Efficiency

For businesses in Sydney's Eastern Suburbs, choosing the right business structure is vital for tax efficiency. Whether you operate as a sole trader, partnership, company, or trust, each structure has different tax implications.

Consulting with tax professionals to determine the most tax-effective structure for your business can lead to substantial tax savings. A well-chosen business structure can also provide flexibility for growth, asset protection, and succession planning.

Staying Compliant with Tax Regulations

Compliance with tax regulations is essential to avoid penalties and ensure smooth business operations. The Australian Taxation Office (ATO) regularly updates tax laws and regulations, making it important to stay informed and compliant. This includes timely filing of tax returns, accurate record-keeping, and adherence to reporting requirements.

Engaging with experienced tax advisors can help you navigate the complexities of tax compliance, allowing you to focus on growing your business.

Seeking Professional Tax Advice

While mastering tax strategies requires a proactive approach, seeking professional tax advice is invaluable. Tax professionals in Sydney's Eastern Suburbs have the expertise and local knowledge to provide tailored advice that aligns with your financial goals. They can help you develop effective tax strategies, identify savings opportunities, and ensure compliance with tax laws. Regular consultations with tax advisors can keep you informed about changes in tax legislation and emerging tax planning opportunities.

On the whole, mastering the right strategies for Tax Eastern Suburbs of Sydney is essential for optimizing your finances and achieving financial success. By seeking professional advice from BTMH’s experts, you can reduce your tax liabilities and ensure compliance.

If you want to know how to save money and avoid taxes in the future, this is the right platform for you.

#tax #btmh #tax planning #sydney #tax advisory #tax return services #bookkeeping

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