Planning

Starting Out

Wealth

Retire

Style

Our  Approach

When it comes to financial planning, we understand that you will require different support and assistance depending on your stage in life. We work with a strategy that focuses on creating an exciting life and having boring money, not the other way around.

We always consider our clients and what they are trying to achieve, both now and into the future. We look at what sort of plan do we need to put in place to achieve their goals. Once we have a plan in place, it is then imperative that you remain on track. This means we will conduct regular reviews and make any adjustments along the way, particularly if there is a change in your personal circumstances or if there are broader changes, such as legislation or regulatory changes. It is our role to take care of you.

We always make sure there is enough flexibility built into any plan that will cater to unexpected scenarios. 

Starting Out

Many people mistakingly believe that having a financial planner is only necessary when you have surplus funds and are looking for investment advice. This could not be more wrong. When you are starting your working life, the structures and strategies that you put in place can set you up for a lifetime.

We call this SETTING THE FOUNDATIONS. Many people come to us and they have no direction or plan or any idea if they should even have a strategy. Our role is to guide them through this into creating a picture of what they would like their life to look like.

So if you are just starting out, here is how we can help you:

  • Set up the correct protection for you and your family.
  • Get your estate plans in order.
  • Get the correct super in place.
  • Understand effective debt management.
  • Learn and understand tax and how to get this under control.
  • Understand cash flow.
  • Budget planning.

Remember, it is NEVER too early to get financial advice. You can consider getting advice before you have actually entered the workforce and are wanting to get yourself off to a flying start. We are here to be your partner to help you achieve all of your financial goals, both now and into the future.

Building Wealth

As we move through life, we become more aware of our personal requirements. This is noticeable if we have a partner, get married, take on debt such as mortgages and personal loans and have dependents. We become conscious that we are not immortal as our parents start to age. We also start to see our wealth accumulate. This may simply be in the form of a growing super fund, equity in our home or through a windfall such as an inheritance. 

We label this point as the BUILDING YOUR PATHWAY TO WEALTH. If this sounds like you, here are just some of the services that you should be considering at this life stage:

  • Establishing goals and reviewing your foundation plans.
  • How to reduce debt.
  • Accelerate your super growth.
  • Investment properties.
  • Building a share portfolio.
  • Getting smarter with tax.

When we meet with our clients (and this applies to any stage) we always consider your personal circumstances and tailor our advice to suit you. This is especially important as not only is every single person unique, their goals and aspirations can vary and it is the focus on helping you achieve your own goals that will set us apart when it comes to financial planning.

Free Consultation

In this no obligation, FREE session we will help you to:

Get answers to your burning issues & questions
Develop a clear picture of your financial situation
Design & set your financial goals & objectives
Build strategies to create your
clear financial road map for you to take-away

Countdown to Retirement

As you move through life, your personal circumstances continue to change. As you look forward, you can see your retirement on the horizon and you start to wonder what life might look like. At home, you may be experiencing the “empty nester” phase as your dependents leave, this will change your requirements in a home as well as your personal budget. You might be considering more travel, more investments and balancing this with some worry about the future. As you get closer to retirement, our services can help you.

Here are some matters you may wish to consider:

  • Have you reviewed and checked your foundations?
  • Are you really clear on your goals and do they need a refocus?
  • How much will you need in retirement?
  • Do you need to focus on super?
  • Do you have a strategy to transition to retirement?
  • How can you minimise the tax you pay?

Retire in Style

The time is finally here. All of the hard work has got you to the point where you can now transition out of the workforce and into the next stage of your life. Retirement should be an exciting time full of new opportunity. Our goal for all of our clients is to ensure they can RETIRE IN STYLE.

We choose these words with care as we know that style is personal and means something different to everyone. What is key is this, whatever STYLE means to you, this is what we want to achieve.

Part of our services to get you to this point include the following:

  • Having clear goals.
  • Clear estate planning.
  • Having enough $$ to retire comfortably.
  • Knowing how long your money will last.
  • Exploring taxfree pensions.
  • Having a solid investment methodology.

In a perfect world, your retirement is the culmination of years of careful planning. However, we understand that you may not have had the time or inclination to do this and we are here to guide you through this stage to assist you in retiring in style. Our advice can have huge implications when you finally retire so do not ever think it is too late to put plans in place, change course or get a new goal.

 

 

 

Contact Us

If you have any questions please feel free to contact us.

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