Specialising in complex financial affairs, we deliver our services via a strategic planning approach where product choices are an outcome of the strategy rather than the focus of the advice.
We identifiy which strategies are right for you and those that will help you achieve your goals and aspirations. We sit with you at the centre of your financial world and ensure that all of your financial pillars are working in harmony to get you where you want to be and keep you protected from unforeseen events, whilst giving you back time to spend doing what you love.
This is our comprehensive service package that we offer to you and below are some key financial life events and how they impact each segment of your financial foundation.
How do I free up surplus funds to achieve my goals?
Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.
How do I determine which investment options are best for me?
Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.
How do I eliminate my mortgage and use debt to create wealth?
Your debt plan analyses your current debt structure, explores mortgage reduction strategies and determines the role debt can play for you in building your wealth.
How do I protect the things that are important to me?
Your risk plan analyses your financial needs in the event of a setback to your most important asset, you and your ability to earn an income. We seek to identify and where possible mitigate your exposure to financial stress in case of an inability to earn income. Getting the right level and type of insurance in place is critical to reducing your financial risk.
How do I achieve my ideal retirement?
Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you desire.
How do I ensure that when I pass away my wealth goes to the people I choose?
Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority. Our aim is to help you arrange to get the right assets, to the right people, at the right time.
How we help: We understand the interaction of all these separate aspects of your financial plan and how a change in one area has a flow on effect in other areas. Our comprehensive and disciplined approach to your financial plan through a regular review process allows us to adjust your strategies as changes occur.
Budget and improve cash flow to create surplus income.
Determine an investment strategy to achieve your deposit goal.
Determine the risk v. return you are prepared to take to achieve your goal more quickly.
Ensure that you understand your ongoing financial commitments. How will this impact your income?
Is this actually the best investment option for you?
Understand your debt options for funding this purchase.
What happens if interest rates go up or your income stops? What other risks need to be identified?
What happens to this asset if you pass away?
How will you cater for a drop in income?
Can we restructure your debt to reduce financial stress?
Life insurance becomes very important to cater for your new family.
A clear understanding of asset distribution and guardianship of children is required.
What tax bracket are you now in?
What’s the best investment option for any surplus funds?
Is negative gearing an option?
Implement or increase your income protection.
How much of your income needs to be applied to this?
What investment is best given the timeframe?
Should debt be a part of the investment strategy?
What structure is best to distribute income and lower tax?
Will you borrow to do this and should you provide a buffer for emergencies?
Do you need to put in place more life insurance?
What happens if you die?
How much surplus income is now available?
What is the best investment option for these funds?
Can you reduce your insurance cover and save money?
Should retirement planning be a priority now?
Lower costs may mean more surplus income.
How best to invest this surplus income?
Should you downsize the house and clear the mortgage?
Can you reduce life insurance and save money?
Can you re-evaluate your retirement age?
You should revisit your will.
What is the best investment option for these funds?
Should you reduce your mortgage?
Does this impact your retirement plans?
Should you discuss estate planning with elderly parents?
What are your income needs in retirement and can you access Centrelink benefits?
Transfer non-super assets into superannuation.
Can you pay out all debt?
Should your investment strategy become more defensive?
Consider active (higher cost) and passive (lower cost) stages to your retirement.
Revisit your will to cater for your new circumstances.
This is your opportunity to get to know us, understand our advice philosophy and process and ask us any questions.
For us, the meeting is a chance to get to know you and see how we can assist you in your financial goals.
If you see value in what we do and would like to work with us we would then determine a fixed fee for our advice.
You always know the costs before you proceed.
Your circumstances will inevitably change, we will manage this change with you on an ongoing basis, to ensure your plan remains on track and you achieve your goals faster.