How We Help Our Clients

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Budgeting & Cash Flow Management

Budgeting may be simple, but it’s not easy, and that’s why people so often avoid it. Not managing your cash flow effectively could mean missing out on the things that you really want and need, and forgoing a budget can lead to stress, debt and failure to achieve important goals. We provide a disciplined framework for those who want lots of structure and support, or gentle guidance for others whom already have a tight handle on things. Regardless of the level of income you enjoy, we help our clients to make smart decisions and cost effective choices, ensuring that they are spending their money with purpose.

Once you have your cash flow under control, you can begin to focus on reducing debt and building wealth.

Wealth Creation & Investments

People need to build wealth for different reasons, whether that be buying a house, paying for school fees, enjoying travel or living your fullest life in retirement. Money can give you the freedom you need to live the life you want. Whether you have a little, or a lot, there are many steps you can take to grow your wealth and keep it safe.

Our clients range from experienced investors who come to us with their own thoughts and ideas, to beginners who are eager to learn. Wealth creation can be approached in many different ways and we believe it’s important that you understand where your money is and that you are involved in the decision making process.

Your wealth creation plan doesn’t have to be daunting or complex and the right strategy will depend on your personal circumstances, objectives and priorities. We will work with you to put together a reliable and realistic plan that will optimise your financial resources while still being flexible enough to deal with life’s ongoing surprises.

Mortgage Advice & Debt Management

Debt can play a pivotal role in wealth creation but it’s important that you put in place a structure that will support your long-term goals. You generally only get one chance to set up a loan correctly in the eyes of the Tax Office so it’s important to plan ahead. In other words, how you get into debt can be just as important as how, when, and in what order, you get out of it. A carefully structured loan can improve your ability to expand your property or investment portfolio while still being manageable, cost effective and tax efficient.

Superannuation & Self-Managed Super Funds

Superannuation is more than just a tax effective way to save for your retirement. It is a powerful tool that can be used to accumulate wealth, regardless of your stage of career. For some, retirement may seem like a long way off, however, the sooner you ask yourself the right questions, the more you stand to gain from the effects of compounding returns. We can help you get the most out of your super by guiding you through some important questions, such as:

  • Is my current super fund priced competitively?
  • Does it allow me to invest in the areas that interest me?
  • Am I comfortable with where my money is invested?
  • Am I satisfied with the performance of those investments?
  • Should I be making additional contributions?

Retirement Planning

Retirement means something different to everybody. Some people look forward to having more time to relax, while others see it as an opportunity to travel and expand their horizons. Some people want to remain just as busy, only doing different things.

How do you want to spend your time in retirement? How much money will you need and where will this money come from? These are big questions and without the right help, it can be hard to find answers. With current life expectancies, your retirement income may need to last 30 years or longer. Delaying your retirement by a few years could boost your retirement savings, but there are other ways to grow your money without working longer than you want to. Planning early is the best way to make your retirement goals a reality.

We will help you explore what you want your retirement to look like and create a plan that will help you live the lifestyle you want. We want you to enjoy life in retirement and experience the peace of mind that comes with having a sense of control over your finances.

Insurance & Risk Management

You may have a great strategy in place for your finances, but how would this strategy be affected in the event of an unforeseen tragedy, or if you were to lose your ability to earn an income? Being unable to work as a result of illness or injury could unravel even the best-laid plans and may leave you and your family facing financial hardship if you haven’t protected your greatest asset – you! Personal insurance is an important part of any sound financial plan as it can alleviate financial burden in times of tremendous emotional stress, allowing you to focus on recovery and rebuilding your lives.

We can help you plan for the ‘what-ifs’ while you’re fit and healthy so that you can continue to get the most out of life if the worst case scenario occurs.

Talk to us about our industry leading zero commissions insurance offering and how it can benefit you in the long run.

Estate Planning & Philanthropy

Estate planning isn’t fun to think about but it’s how you determine who receives what you’ve worked so hard for. Thoughtful estate planning can protect inheritances or vulnerable beneficiaries, spare heirs from large tax bills, reduce unnecessary family tensions and prevent wealth from transferring to unintended recipients. We will guide preliminary discussions around estate planning and refer you to one of our trusted partners for professional advice.

While most people want to leave behind something meaningful for future generations, many have not considered the rewards – both financial and emotional – of giving while they are still alive. Philanthropy can involve donating your time, money or experience and if this is something that interests you, we can help you identify who you can help and how. You may wish to give directly to a charity of your choice or develop a more structured philanthropic approach that matches your style and focus.

Business Advice

Owning your own business can offer a greater level of freedom and opportunity but it also comes with its own challenges and financial risks. Business goals can sometimes clash with with personal and family goals and oftentimes people have their family fortune at stake. Finding the right balance will be key to achieving success in more than one area and this is where strategic business advice can help you, your family and your business. There are a great number of things to plan and consider, particularly for a business in it’s infancy. We will work with you, in partnership with your accountant, solicitor and financier, to address matters such as:

  • Whether you are operating under the most appropriate ownership structure
  • Insurance for your business and key personnel
  • Assessing your business’s trajectory and devising a growth strategy
  • How you will control costs, manage cash flow and minimise your tax liability
  • Exploring financing alternatives
  • Building a safety net, developing scalability and controlling the growth of your business
  • Planning for business succession

Do you trust yourself to get everything right?

 
 

 
 

What We Do

 
 
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We listen

Everyone’s situation is personal and unique so we will ask you about your hopes and concerns and help you explore what it is that you want out of life and how this relates to money and planning.

 
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Mapping your future

We will help you identify where your current strategy is taking you and then we will develop and propose options and practical solutions based on your needs and goals. You will choose which path to take.

 
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Build a strategy

Together we will tailor a sound and sensible plan, specific to your objectives, which reflects your unique needs and situation.

 
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Action

We will coordinate the implementation of your strategy and ensure that your financial house is in order.

 
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Review/Respond/Adapt

We will continue to monitor your plan and how you are tracking towards your goals, ensuring that we adapt to changes and maximise opportunities. We are here as your sounding board and guide on your financial journey and hope to keep you committed, accountable and motivated.