Financial planning- what is it? And how does Evolve do it differently?

The first step in financial planning is to make sure you have the right advice.

Why? Because by developing the right strategies to manage your financial affairs you can achieve your life goals. You wouldn’t need a financial plan if it was all as easy as putting money away in the bank every week. But with the complexities of superannuation, investments, tax and ever-changing rules and regulations, everything becomes much trickier.

How we can help

At Evolve we believe that every stage of life will require different levels of support and assistance. That is why we’ll never push you into a strategy you’re not suited to or not comfortable with.

What we will do however, is get a deep understanding of your stage in life, your financial position and your goals – then tailor a personal solution to your situation.

Once we have a plan in place, we conduct regular reviews to make sure you stay on track and make any adjustments along the way. Especially if there is a change in your personal circumstances or if there are broader changes, such as legislation or regulatory changes. And typically, we find there are always major changes where professional advice is required. Which is why we believe we can best service you by having regular reviews and keeping abreast of everything.

It is our role to take care of you.

And, we always ensure there is enough flexibility built into your plan to cater for any unexpected circumstances.

It all comes together under our motto – “Exciting life, boring money” and not the other way around.

Goals Planning Strategy

You might be asking “Should I set up a SMSF, buy an investment property or move all my money into Crypto?”

Before we can answer that and jump into building you a solid financial plan, we need to know more about your bigger goals and plot you a path to get there.

So, rather than looking at these issues on an individual basis, we ask how does this investment, strategy or product fit into your overall plan?

How we can help

Our approach is around ‘Goals Planning Strategy’.  

We start by quantifying yours goals. Then we craft a plan to reach those goals and utilise whichever strategies, investments and products are required.

We aim to show you how to effectively reach your goals while taking on the least amount of risk.

This part of the process may look simple, but it’s filled with many pitfalls. We firmly believe our years of expertise and knowledge will give you a far better chance of succeeding than by doing it yourself.

Then, once we put a plan in place, it’s about measuring it on an ongoing basis to make sure you remain on track to reach your target.

We’ll set you up to succeed, but your success will rely heavily on your commitment and involvement in the process. That’s why we prefer to work with clients who are ready to take advice and get hands-on.

Of course, we can do everything for you, however we like to have you on the journey next to us.

Your wealth journey- the game of money

Like it or not, money is a game. That’s why we use a baseball diamond as a great way to explain the different stages of wealth creation.

Stepping up to the plate

No plan yet, no strategy and no direction.

1st base- Foundation 

Here you’re starting to lay the foundations for future success. You might already have a decent cash flow, your Super working a little smarter, efficient debt management and your tax under control. You’re almost ready to start building something bigger.

Even if you’re further along in the game of money – it’s important that you have your foundations in place.

2nd base- Pathway to wealth

When you’re ready to make real change, you’ll need a pathway to wealth guide. Without it, you’ll float around aimlessly in an ocean of poorly thought-through decisions. 

No plan = no action. No action = no results.

Let’s change that.

We’ve developed a simple 9 step pathway to wealth guide that’s designed to help you create the lifestyle you’ve always dreamed of.

Our 9 step ‘pathway to wealth’ guide:

  1. Spend less than you earn
  2. Invest the difference in good quality growth assets
  3. Own your own home
  4. Manage your borrowings wisely
  5. Own an investment property
  6. Smart Super strategies
  7. Build a professionally managed share portfolio
  8. Protect yourself and your family
  9. Get quality on going advice

    Not only will you start to see real results, but you’ll be also able to live with the peace of mind that you’re on the way to financial success.

    Ready to plot your own pathway to wealth? Contact us now

3rd base- Countdown to Retirement

With your plan in place and your money working away, it’s time to make sure everything’s on track for your retirement.

This stage is about:

  • Rechecking your foundations
  • Readjusting your goals
  • Refocusing your Super
  • Transitioning to retirement strategies
  • Minimising your tax
  • Supercharging your strategies

Home base- Retire in Style

Your basics are covered, you’re on top of things but you still feel that you’d like a little more. You don’t want to retire with just ‘enough’, you’d rather ‘retire in style’.

Our ‘Retire in style guide’ is specifically designed for FIFO, mining workers and business owners (but we can tailor it to anyone) who want to fast track their retirement.  

So, if you’re ready to retire with comfort, security and the peace of mind that financial success brings – then this program is built for you.

The plan is based around 5 key pillars:

  1. Keep it simple
  2. Implement smart strategies
  3. Get started (do it now!)
  4. Take a structured approach
  5. Get sound ongoing advice

Each element of the pillar is designed to put the structure in place for you to build a solid plan and guide you to where you want to be sooner rather than later.

We’ll go over each pillar in more detail during our initial free consultation, but here’s a brief glimpse of a few things we’ll cover:

  • Sharpening your goals
  • Having a clear estate plan
  • Defining the right sum of money you want
  • Understanding how to make it last
  • Tax free pensions
  • Setting a solid investment methodology

Retiring in style is within your reach if you’re ready to commit to it. Contact us now to find out how.

Contact Us

It’s time to take the first step. Contact us now and one of friendly planners will get in touch.


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