How we help
In many ways we can draw parallels with our process to that of an architect. This is what you can expect from working with us:
Everything we do boils down to giving you the highest probability of achieving the life that you want to live. That’s why we spend a lot of time researching, analysing and preparing financial projections before we put pen to paper.
Cashflow & Budgeting
Cashflow is the lifeblood of any financial plan and we use a very simple structure to maximise your ability to save.
There is good debt and bad debt. We work to accelerate the repayment of bad debt and use good debt where it’s appropriate to increase the probability of achieving your goals.
Tax is inevitable; however, it can be reduced by effectively structuring your assets and income.
We are unbiased to property, shares or even cash in the bank. All have their place, but what we care about is implementing an investment strategy that you understand, are comfortable with and is aligned with your goals.
It’s generally the most tax effective vehicle to store and accumulate your wealth, and hence it is a fundamental part of our strategy. Choosing the right fund is not just about fees and performance, it’s about understanding your objectives and how much control you would like.
Retirement is a significant financial milestone and getting clarity around your retirement goals is just as important as getting the strategy right. In this process we will answer 3 simple questions: How much money do you need? Where will your money come from? How long will this last?
Planning for the Unexpected
Things don’t always go according to plan and when they don’t, it pays to have a safety net. We put a protection strategy in place that you can depend on in the event you, your spouse or your key staff are unable to work due to injury, illness or death.
It’s important to ensure that your wealth is transferred effectively and in accordance with your wishes, and not anyone else’s. It’s also important that you have someone you trust to make decisions for you if you can’t make them yourself.
You have paid tax your whole life, so we work hard to review and maximise your entitlements with Centrelink.
Aged Care Strategies
Planning the move into aged care can be stressful whether it’s for you or your family members. We can minimise this stress by helping you make informed decisions based on sound advice.
Our Advice Partners
We can’t do everything, and we rely on key partners to deliver our plan. This reduces the number of people you deal with, which can save you time and money.
Whilst we have sourced highly reputable specialists to partner with, we are more than happy to work with any of your existing advisors.
- Lawyers (commercial, property, estate planning)
- Mortgage brokers
- Property advocates
- General insurance brokers