Phone us on 1300 186 483

Everyone’s circumstance is different

We know that each of our financial planning clients have different circumstances and that’s why we approach each situation differently.

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.

Financial Pillars

Our comprehensive service package looks at your current situation with reference to six financial pillars.

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.

Income plan

How do I free up surplus funds to achieve my goals?

How we help

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.

Investment Plan

How do I determine which investment options are best for me?

How we help

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.

Debt Plan

How do I eliminate my mortgage and use debt to create wealth?

How we help

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.

Risk Plan

How do I protect the things that are important to me?

How we help

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.

Retirement Plan

How do I achieve my ideal retirement?

How we help

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.

Estate Plan

How do I ensure that when I pass away my wealth goes to the people I choose?

How we help

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.

Our Process

How do I ensure that I make the most of my circumstances without taking too much risk?

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.

See how we can assist with key financial events to implement a successful strategy below

Key Financial Events for Consideration

Save for a deposit

Considerations

Income Plan

Budget and improve cash flow to create surplus income.

Investment Plan

Determine an investment strategy to achieve your deposit goal.

Risk Plan

Determine the risk v. return you are prepared to take to achieve your goal more quickly.

Buy a house or investment property

Considerations

Income Plan

Ensure that you understand your ongoing financial commitments. How will this impact your income?

Investment Plan

Is this actually the best investment option for you?

Debt Plan

Understand your debt options for funding this purchase.

Risk Plan

What happens if interest rates go up or your income stops? What other risks need to be identified?

Estate Plan

What happens to this asset if you pass away?

Start a family

Considerations

Income Plan

How will you cater for a drop in income?

Debt Plan

Can we restructure your debt to reduce financial stress?

Risk Plan

Life insurance becomes very important to cater for your new family.

Estate Plan

A clear understanding of asset distribution and guardianship of children is required.

Receive a pay increase

Considerations

Income Plan

What tax bracket are you now in?

Investment Plan

What’s the best investment option for any surplus funds?

Debt Plan

Is negative gearing an option?

Risk Plan

Implement or increase your income protection.

Children’s education costs

Considerations

Income Plan

How much of your income needs to be applied to this?

Investment Plan

What investment is best given the timeframe?

Debt Plan

Should debt be a part of the investment strategy?

Start a business

Considerations

Income Plan

What structure is best to distribute income and lower tax?

Debt Plan

Will you borrow to do this and should you provide a buffer for emergencies?

Risk Plan

Do you need to put in place more life insurance?

Estate Plan

What happens if you die?

Mortgage paid off

Considerations

Income Plan

How much surplus income is now available?

Investment Plan

What is the best investment option for these funds?

Risk Plan

Can you reduce your insurance cover and save money?

Retirement Plan

Should retirement planning be a priority now?

Children leave home

Considerations

Income Plan

Lower costs may mean more surplus income.

Investment Plan

How best to invest this surplus income?

Debt Plan

Should you downsize the house and clear the mortgage?

Risk Plan

Can you reduce life insurance and save money?

Retirement Plan

Can you re-evaluate your retirement age?

Estate Plan

You should revisit your will.

Receive an inheritance

Considerations

Investment Plan

What is the best investment option for these funds?

Debt Plan

Should you reduce your mortgage?

Retirement Plan

Does this impact your retirement plans?

Estate Plan

Should you discuss estate planning with elderly parents?

Retirement

Considerations

Income Plan

What are your income needs in retirement and can you access Centrelink benefits?

Investment Plan

Transfer non-super assets into superannuation.

Debt Plan

Can you pay out all debt?

Risk Plan

Should your investment strategy become more defensive?

Retirement Plan

Consider active (higher cost) and passive (lower cost) stages to your retirement.

Estate Plan

Revisit your will to cater for your new circumstances.

Our first obligation free chat

Our first obligation free chat

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.

The Next Step

The Next Step

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.

Ongoing Financial Advice

Ongoing Financial Advice

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.

Have you asked yourself these simple questions?

Are you happy about the current state of your finances?
Do you have an effective tax strategy?
Is your debt structured in the best possible way?
Have you got income loss protection?
Do you have a clear path to retirement?
Have you got an up to date will?
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What our clients say about us

I have worked with Vogue Financial for several years now and am comfortable knowing they are taking care of my investments and financial affairs. I am time poor and spend a significant amount of time overseas, Vogue is always available for me, even when time zones don’t match up.

They have gone above and beyond what I ever expected and has helped me make good on some potential financial catastrophes and even negotiated terms on my behalf. I am confident in their knowledge and abilities as my trusted financial advisor and recommend them highly.

Francisco Cordero

Vogue Financial has helped me with my self-managed super fund for over 6 years now, they have provided me strategic advice as well as valuable investment advice that has yielded excellent results.

I am so happy that I have them to help me. I did not have an in-depth knowledge about investments or superannuation, Vogue always takes the extra time to thoroughly explain complex terms in an easy to understand fashion, this makes me feel very confident in the decisions I make and I trust them to guide my financial future. Thank you Vogue.

Tan Yoke Suat

I have had the pleasure of dealing with Vogue for many years and have found their knowledge of the industry and advice towards my circumstances outstanding. I rest easy knowing my financial affairs are administered by Vogue and would have no hesitation in recommending them to anyone seeking quality financial advice.

Sam Guarrera

Vogue Financial is one of the leaders in advice for the older generation in Australia. They are extremely knowledgeable around helping clients identify what they want to achieve with their life savings. They know how to carefully manage their wealth like it was their own and to top things off Vogue are great guys who always wants what is best for their clients.

Christopher Bates

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about your future financial freedom.

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© Copyright Vogue Financial, 2016. All Rights Reserved. Privacy Policy | Disclaimer | Financial Services Guide
This information is of a general nature only and you need to seek professional advice based upon your own personal circumstances before acting.
Vogue Financial Pty Ltd ABN 81 157 780 099 Credit Representative Number 433519 is authorised under Australian Credit Licence Number 387025
Vogue Financial Planning Pty Ltd ASIC No. 434892 ABN 17 161 549 999 is a Corporate Authorised Representative of Madison Financial Group Pty Ltd AFSL No. 246679 ABN 36 002 459 001.
Vogue Insurance Pty Ltd ABN 87 161 549 855 is an Authorised Representative of Austbrokers ABS a Trading Name of Austbrokers Sydney Pty Ltd. ABN 14 061 968 090 AFSL No. 244244
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