Read what our clients have to say about GTC Financial ...
John and Rae-Lee Kelly
John and Rae-Lee Kelly have been clients with GTC since 2004. They have been using our CALMS (Cashflow, Asset and Liability Management System) service which is tailored specifically for accumulators and since then GTC Financial has helped them achieve their life goals.
Here’s what they had to say:
“We first came to GTC to attend a seminar on ‘Importance of Financial Planning’. We have been with GTC for 12 years now, and since then we have achieved a lot of things which we wouldn’t have been able to achieve without GTC Financial’s help.
The comprehensive plan formulated by GTC has helped us pay all our debts and build an investment portfolio without compromising with our lifestyle. We are also living out our dream of travelling the world.
It took us a while to understand that we needed a comprehensive plan. Around 14 years ago we realised that if we did not start working on our finances now, we would not have enough to retire on. If we had not come to this realization we wouldn’t have been able to take control of our personal debts and would still be struggling.
The best thing about The CALMS plan is the flexibility it offers. In cases when your circumstances change, you can revise the plan to suits your current needs. This is even better in the current climate where the market keeps fluctuating so often.
I strongly recommend to everyone especially the younger generation couples to seriously start thinking about formulating a comprehensive plan for your future through GTC Financial’s CALMS strategy.
The bottom line is – ‘If you fail to plan, you plan to fail’! "
Ross and Cheryl Paroz
Ross Paroz recently retired after a long career in local government and also owns a small drafting business in Gladstone. Ross and Cheryl have been clients with GTC for 10 years. Over this time the GTC team has worked closely with them and acted as their financial advisors and accountants.
GTC not only provided tax planning advice for their business but also formulated retirement planning strategy. Here’s what they had to say about GTC:
“We came to GTC 10 years ago and since then they have helped us by providing important advice about getting our finances sorted.
The best thing about coming to GTC was that we got advice related to all our financial queries at one place. It’s an entire package. Not only helping us to build up our business but also in our personal financial planning.
The level of advice that Emma gave us has exceeded our expectations in many ways. She prepared the best possible retirement plan for us by taking into consideration our entire situation. We are extremely happy with her strategy. In fact she showed us options which we never knew were available to us and has planned diversification of our investments in the most tax effective way.
We now have a regular income plan and find it very easy to manage our assets. With Emma’s impeccable strategy we were able to set up our family trust and have sufficient resources to fund our retirement lifestyle which includes plans for extensive travel both home and abroad. We are also taking GTC’s advice on developing our estate plan. Knowing that your money and future is in good hands gives us peace of mind.
We strongly recommend GTC Financial and its services.”
Dave Egner came to GTC Financial seeking financial planning advice after having received a voluntary redundancy payout from his last employer. GTC provided him with tailored advice on his retirement and estate planning, and the management of his wealth.
Here's what Dave had to say regarding the service provided by GTC:
"The last thing I would want at this stage of my life is to commence retirement and later discover that my funds were proving to be inadequate so that I would then need to seek further employment to maintain my lifestyle. Although I have an accurate record of my living expenses over a long period, I had a very limited understanding as to what types of investments were available, and in particular, which of them would best suit a person in my situation.
The GTC Financial Team provided me with exceptionally professional advice for my personal retirement planning. This totally removed the stress which I had felt when initially pondering this major decision by myself. They assisted me in establishing a pension plan and in fulfilling the criteria for Centrelink benefits for which I am eligible. The plan was also the most tax effective for me.
I am very impressed with the comprehensiveness of their service. Not only are they very efficient, they also manage liaisons with the superannuation fund, etc, on my behalf. For me, the best aspect of GTC Financial is that they assess available products on the market purely with regard to the specific needs of their client, without any bias. They were quite satisfied to continue to work with my present superannuation fund when it was determined that this would provide the best options in my case.
Emma is exceptionally good in working through the complex legislative systems which apply in these situations. Not only is she very technically knowledgeable, she also manages the various aspects of the work in a professional manner. The 'Situational Analysis' which Emma compiled for me was very comprehensive and fully detailed so that my exact situation was clearly evident upon reviewing the document.
My experience is that the people at GTC have a very open-minded approach to their work. They focus on customising the plans to suit the client's needs, and don't simply give preference to packaged products. I now have a very clear understanding regarding how my assets and investments will be managed, and that gives me great peace of mind. And finally, I think that the fee is very good value for money.
I strongly recommend that anyone wishing to have their financial situation managed or resolved, should utilise GTC Financial and its services."
Lyndel and Odin Gatt Australian Garages and Carports
Lyndel and Odin Gatt are the owners of Australian Garages and Carports and have been a client of GTC Financial for 13 years.
They initially started trading as Australian Garages & Carports (Gladstone branch) but three years ago had the opportunity to purchase the entire Australian Garages & Carports group licensing rights. GTC have provided them with important advice about how their business is performing; ways to grow the business and ensuring that it is in strong shape for the future. Here’s what they had to say.
“We came to GTC when we were in the second year of our business and since then they have helped us build our business every step of the way. They help us to deal with Queensland Building Service Authority Licensing (QBSA); as anyone operating in the building industry will know how frustrating this can be. Every year they help with tax planning to ensure there are no unexpected surprises. They also helped us to restructure our business entities so that we had better asset protection. We seek Haley’s opinion whenever we get stuck with any MYOB, accounting or tax issue and she always makes sure our problem is sorted quickly. We find the GTC team very approachable and easy to communicate with.
Recently we sold a key business asset and Haley and Neville helped us take advantage of the Small Business CGT Concessions to minimize the tax payable. Over the past few years Neville has become more like an unofficial partner to our business. Neville and his team have given us ideas on how to improve and grow our business, not just as our accountant but as very good business friends.
We would recommend any business to use GTC’s services to grow their business, especially in the building and construction industry as GTC has both knowledge and experience to advise this industry in a better way.”
Roger and Robyn Mills
Roger and Robyn Mills operated a bulk haulage transport business in and around Gladstone. They were clients of GTC Financial when Neville bought the business in 1997. The advice we have given them over the past year is an example of our “Total Financial Care” concept. Here’s what Roger and Robyn had to say.
“It has been a great journey, GTC has been with us every step of the way helping and advising us in everything we had to do”. When Roger and Robyn sold their business last September it could have resulted in a large tax bill with the money locked in their company, had they not sought advice. Their goal as with most people was to legally reduce their tax and be able to use the proceeds of the sale in the company to fund their retirement and access any government benefits that might be available.
"Haley and Emma worked with us to ensure that we maximised our superannuation and could access money from our company without creating a tax problem. Emma then developed a financial plan to deliver a consistent income stream for us.”
Their plan covered personal finances, superannuation and how to maximize Centrelink entitlements.
“Emma has been amazing in helping us sort out our superannuation. We would never have been able to handle things without her help”.
Roger and Robyn will continue as clients of GTC Financial in the next phase of their life.
"Everyone working at GTC is just the best at what they do, they are always friendly and we are always treated as though there is no one more important than us. Anyone wishing to engage GTC Financial as their advisers will set themselves up for life. We’d like to thank the GTC Financial team for their advice and support”.
Ron Harding Central Queensland Tools Supplies
“GTC Financial has helped us and our business with almost everything along the way. They have always given us extremely professional and friendly advice which provides a way for the future."
One of the major projects that we did together was for the tender for a tools maintenance contract for a company in the Aluminium Industry. GTC helped us to prepare the tender and with finalizing the terms of contract. The assistance provided helped us not only to win the contract but also to hold it for 8 years. This helped us to purchase our current premises on Hanson Road.
We meet with GTC every quarter to review our financial performance and make sure things are on track. Neville and his team help us to understand the financial impact of decisions before we make them.
Having a team like GTC Financial as one of our key partners has been an integral part of our growth. It gives us a peace of mind to know that they are on hand to give us advice on all the business issues we face.
Virginia and I sincerely thank the GTC Financial team, in particular Neville and Jody, for their professionalism and support.”
"We first came to GTC to attend a seminar on 'Importance of Financial Planning'. We have been with GTC for 9 years now, and since then we have achieved a lot of things which we wouldn't have been able to achieve without GTC Financial's help. The comprehensive plan formulated by GTC has helped us pay all our debts and build an investment portfolio without compromising with our lifestyle. We are also living out our dream of travelling the world."
- John and Rae-Lee Kelly
"We came to GTC 10 years ago and since then they have helped us by providing important advice about getting our finances sorted. The best thing about coming to GTC was that we got advice related to all our financial queries at one place. It's an entire package. Not only helping us to build up our business but also in our personal financial planning."
- Ross and Cheryl Paroz
"We came to GTC when we were in the second year of our business and since then they have helped us build our business every step of the way. Every year they help with tax planning to ensure there are no unexpected surprises. They also helped us to restructure our business entities so that we had better asset protection. Over the past few years Neville has become more like an unofficial partner to our business."
- Lyndel and Odin Gatt