It’s just not possible to build your wealth if you are spending more than you earn. Using interactive apps and programs, we help you make tracking your spending as easy, simple and stress-free as possible. Through these smart tools, financial coaching and accountability agreements, we transform your life by helping you create something other than a default outcome for yourself.

Effective budgeting and managing your cash flow creates a world of possibilities that you could only previously dream of. Spending less than you earn each pay-period gives you the opportunity to make your money work harder and gets you on the path to building wealth for you and your family.

We review key areas of your regular and not-so-regular expenses and discuss why each is important for you. By looking at your spending differently, you will quickly see your spending behaviours change for the better.

We cut through the confusion and stress with you around Everyday Expenses, existing Insurances and Superannuation costs, Loans & Credit Cards, Transport and Lifestyle Expenses. Working with you is a journey we take together and this may be the very start you need.

Being overwhelmed by the number of possible ways to invest your money affects almost everybody. However, it’s important to remember that it’s the number of available investment products that make it overwhelming and not the strategies that will set you on the path to your specific financial goals.

Our advisers will identify the key things about your situation that cut right through the confusion, to make it as simple as possible for you to make the right financial choices.

We explore your core purpose for building your wealth, when you may need to access your money, what you expect your return on investment to be over that time and your likely reaction in times of investment market unrest (which will happen).

As specialists in investment strategies, we will tailor a solution that meets your specific needs.  Only when you understand, and are happy with, how that strategy will move you towards your goals do we suggest a specific product or platform that will be the right tool for the job.

Many of our clients ask us about using borrowed money to fast track building their wealth and for some clients this strategy works very well. However, it’s not for everybody!

Also known as “gearing”, it can increase your returns when markets are rising but losses can be devastating when the markets fall.

A key part of our exploration process with you helps us work out if this is a strategy that’s right for you. We make sure you understand the risks and benefits of this strategy so you can make an informed decision. If this strategy is a fit for your needs, we then look at how your gearing and investments can be structured to best suit your needs.

Those that choose to depend on the default superannuation savings plan, that the government has selected for them, will have a default outcome for their retirement. You don’t need advice to achieve this outcome – however, it may not be the outcome you really want for you and your family.

By taking an active interest in your super, and being engaged in the process, you can achieve so much more for your future self.

We make it easy for you to get engaged with your superannuation plan, by keeping it simple with strategies that make the available tax breaks do the hard work for you.

If terms like “Salary Sacrifice”, “Deductible Contribution” and “Transition to Retirement” make your head spin, it’s time you partnered with us so that you can easily build your understanding, take control of your future and make the system work for you.

As you approach the end of paid employment, it is essential that you plan for the next stage of your life, where you will be responsible for paying yourself and maintaining your lifestyle needs.

There are lots of complexities that can make your retirement planning a daunting experience.  This life changing event will impact on

• How you think about drops in the value of your retirement savings because of market movements,
• What you consider to be a “safe” investment
• Whether or not you will be entitled to any Age Pension benefits
• The reality of what income your retirement savings will generate in coming years
• How you will fund your Aged Care needs in the future, and
• Tax implications of your remaining sources of income.

We work closely with you in the years approaching your retirement so that this transition has the least financial stress possible for you and your family.  Having a clear plan, for when you finish working, gives you the confidence that you are controlling what you can control, and can look forward to a rewarding and happy next stage of life.

The foundation of any good financial plan includes a considered strategy to manage any foreseeable risks that may impact you and your family’s financial wellbeing.

It’s an essential tool for you to protect what you already have, before you can start to build your wealth further.

The purpose of insurance is to bridge the gap between your cash savings and the financial impact of death, illness, injury or your inability to work for a prolonged period.

We explore what you would like to have happen if you are no longer around, or are unable earn your future salary, so that you can make the right decisions regarding how much cover is enough for your needs and your peace of mind. Where there is a need to balance the amount of cover with the affordability of the insurance premiums, we will discuss your options so that you can make the right decision.

Common Risk Management questions that we help our clients answer include;

• How much cover do I need?
• What does each type of cover deliver for me and my family?
• Do you help me, or my family, when we need to make a claim?
• What’s the difference between Level and Stepped premiums?
• What do I need now that my circumstances have changed?
• Is tax payable on the amount of money paid out when I make a claim?

Paying superannuation for your staff can be a chore, and many treat it as a compliance requirement. However, it’s not difficult to turn this “cost to company” into a tangible employee benefit that helps you engage your best staff and hold onto the good ones for longer.

Trying to select a superannuation platform, identify the right insurance structure that delivers a good safety net for your team and recognising the super platform features that will make the whole process easier only takes you away from doing what you are good at – running your business.

So it makes good business sense to outsource this considerable task to a financial advice professional who can guide you through this maze of legislation and rules and help you make the right decisions for your business and team.

Because staff get considerable value from having access to financial advice through their workplace, our service includes ongoing advice and education to your employees at no additional cost.

Do you know exactly who will get your stuff when you die, or who will make important decisions for you if you are suddenly unable to make those decisions for yourself?  If you already know, are you confident that these instructions are clearly written down and part of a current legal document? 

If you’ve been putting these considerations off for later, it’s time for you to make some informed decisions – and remember, this part is for your family rather than you.

A core part of structuring your financial life is about considering and planning for the inevitable – your passing on, whenever that may happen.  Setting up your Will, Power of Attorney and Medical Guardianship, and keeping these documents current, is one of the most important things you can do for your family.  We work with you and your solicitor to ensure that your financial plan, and the tax implications of your death, are included in your Estate Planning considerations. 

What you would like to have happen in your Estate Plan may also affect what’s going on in your financial plan.  Doing this right means that each plan cannot be done in complete isolation to the other.