Meet Our Team

Mark Crowe

Senior Adviser

Mark was once told he makes what can seem complicated, easy to understand. Lets face it, there can be a lot of jargon in our industry…

Read More

Thuy Nguyen

Senior Adviser

Thuy has built a reputation for providing the highest level of customer service with an attention to detail and specialist knowledge.

Read More

Nessan Flores

Paraplanner

Nessan ensures that their client get the best strategy that address their goals and objectives.

Read more

Chirlen Micabalo

Financial Planning Administator

Chirlen is a goal getter who believes that complacency is the enemy of success.

Read more

Community Involvement

We keep it real around here. We conduct ourselves ethically. We go by the books.
We know that by helping you get to where you want to go, you’ll provide a better future for your loved ones.
We practice being our best, so you can too.

Taylor Lakes Lions Football Club

We support and give back to local sporting clubs. Something we are most proud of is being an active sponsor for the Taylors Lakes Football club. A place were Mark spent 25 years of his life.

Check out the team

Variety - The Children's Charity

We are also proud annual supporters of Variety – The Children’s Charity. And have donated over $30,000 and counting.

Support the Cause

Managing Your Money

Effectively managing your debt and cashflow can have a significant impact on your overall financial health. We firmly believe that developing and maintaining the right financial habits is necessary in reaching your goals as minimising debt and managing cashflow is the basis of long term wealth creation strategies.

At Panorama Financial Servicesa we can assist you to become more financially successful through:

• Reviewing your spending patterns, financial commitments and debts
• Identifying your long-term financial goals and target timeframes to achieve them
• Assisting to set clear, simple and easily attainable goals
• Creating plans to pay off debts whether it is the mortgage, credit cards or HELP debts
• Recommending savings plans or investment strategies to achieve your goals
• Providing advice on appropriate insurances to protect your assets and financial position

The team at Panorama Financial Services can guide you through the budgeting and cashflow process by providing you with invaluable tools, advice and strategies to help you maximise your wealth.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Wealth Creation

Investing is a powerful wealth creation tool. Whether you are an experienced investor looking to grow greater wealth or are interested in starting an investment portfolio, the numerous products available in the market place, diverse investment options and complex tax implications, makes managing your own portfolio a complex affair and an area best left managed by the experts.

It is not necessary to have a lot of money to get started, however you will need an understanding of the broad spectrum of investments available to help you achieve your goals and gain greater wealth. At Panorama Financial Services, we can comprehensively explain all your investment options and assist you with your portfolio construction, asset allocation, management and investment selection based on extensive research which will be specifically structured to suit your risk tolerance, financial objectives, investment time frame including tax and legal implications that provide the greatest returns.

Some of the investment options we provide include:

• Direct shares
• SMA (Separately Managed Accounts)
• Property
• Cash
• Education Savings Bonds
• Fixed Interest
• Managed Funds
• Repaying or Offsetting Home Loan Debts
• Personal Debt Reduction
• Gearing Strategies
• Saving Strategies

Our advisers have the expertise and experience to ensure that you approach all your investment decisions with knowledge and confidence.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Superannuation

Superannuation is principally a tax-effective mechanism of saving for your retirement. For many of us, it may be the largest asset we own, apart from our homes.

With numerous contribution options, Superannuation can become a complex and overwhelming area. At Panorama, we endeavour to create an optimal strategy to make the most of the tax concessions, financial incentives and rebates available to help you build a nest egg which achieve your desired lifestyle in retirement.

We can assist you with comprehensive and tailored advice on:

• Employer Super Guarantee Contributions
• Concessional Contributions
• Salary Sacrificing
• Spouse Contributions
• Co contributions
• Consolidating Super
• Self-employed Deductible Contributions
• Self-employed or Not Working After Tax (non-deductible) Contributions
• Beware of the caps

Be it consolidating your superannuation accounts, boosting your contributions, understanding the superannuation contributions limits for the financial year or developing a plan to prepare you for your eventual retirement, our advisers can help you.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Personal Insurance

Whilst most people would never consider driving a car without motor insurance, less than a third of us insure our most important asset – our ability to earn an income. AT Panorama, we believe that one of the most critical components of any comprehensive financial strategy is protecting your personal and financial wellbeing from unforeseen illness, injury, permanent incapacity, traumatic illness or death.

Our experienced team of Financial Advisers will assist you to structure a risk management strategy to determine the most appropriate insurance solutions specific to your individual circumstances.

Our specialist range of insurances solutions include:

• Term Life (or Death) – pays a lump sum benefit if the insured dies during the term of insurance. We will ensure your life cover is structured so that premiums are paid from ‘gross’ rather than ‘net’ of income therefore keeping the cost of this cover to a minimum.
• Total and Permanent Disability – is a pre agreed lump-sum amount if you suffer a long term illness or injury making you totally and permanently unable to work. We will ensure your life cover is structured so that premiums are paid from ‘gross’ rather than ‘net’ of income therefore keeping the cost of this cover to a minimum.
• Trauma (also known as Critical Illness) – pays a lump sum if you suffer from one of the specified health traumas in the insurance policy.
• Income Protection - is a monthly benefit that pays you up to 75% of your income and covers you if you are unable to work for a medical reason. It is paid until you return to work and if necessary until you are 65 (depending on your occupation).

At Panorama, we highly recommend that all our clients obtain protection for themselves, in the same way we readily protect and insure our homes and cars, as we have observed the invaluable advantages a responsive and comprehensive insurance strategy can have in difficult and painful times.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Retirement Planning

Retiring on your own terms is not always easy to achieve, however it is evident that those who plan for retirement are more likely to do so. Results also show that obtaining professional help during the pre-retirement years further improves the probability of attaining your retirement objectives.

The earlier you start implementing a plan the better the outcomes.

During one’s working life there is always an income to make ends meet when raising children, paying off a mortgage, and myriad other lifestyle costs.

Retirement planning is about the lifestyle you will have after you stop work and receiving employment income. Planning focuses on issues such as how much superannuation is enough, taking a super pension, claiming the Age Pension, making superannuation contributions while receiving a pension from a super fund, estate planning and looking after your family.

Planning properly is becoming even more important now we are expected to live longer. This greater need means that professional help has never been more important as well.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Estate Planning

Comprehensive estate planning services sets in place strategies and structures that help our clients plan in advance, to ensure the assets they leave behind after their passing fall into the right hands, at the right time, giving confidence that their wishes for the future are secure.

If you don’t have a plan, the government has one for you, but you probably won’t like it. It may involve going to court to prove who is entitled to your assets. Having a plan in place, can make things easier for the people you leave behind, at what will be a very emotional time.

Estate planning services include:

Wills

• Nominate a guardian for minor children
• Provide for family members with special needs
• Provide for loved ones who are unable to manage their own money or who may need future protection from relationship breakdown
• Minimise taxes, court costs, and unnecessary legal fees

Enduring Power of Attorney

An Enduring Power of Attorney provides another person to act on your behalf in property and financial matters. It ensures that important matters are dealt with by someone you trust if you are unable to deal with them yourself. An Enduring Power of Attorney is an extremely valuable document which provides peace of mind and certainty that business and personal matters will be carried out on your behalf if you were unable to make such decisions yourself.

Businesses Succession Planning

Without an appropriately structured Shareholder Agreement or Buy-Sell Agreement, businesses risk the possibility of not surviving planned or unplanned exits from the business. To enable for a smooth transition with less likelihood of disruption to your business operations and provide a roadmap for:

• Restrictions on selling shares
• How the business should be valued when shares aresold or a shareholder passes away
• How disputes between shareholders can be resolved
• Flexibility for growth and change

To discuss your estate planning requirements contact the team at Panorama Financial Services.

Contact us today to discuss how we can work together: 0433 660 355 or email us at support@panoramafs.com.au

Financial Videos

General Calculators

Useful Links