25-35

we can help with…

At this stage in life everything is exciting and new. New job, new house, new career. It is also the best time to start planning and get your finances under control, before being an adult really takes over.

Forming good habits at a young age will allow you to automate your financial world, leaving you time to dream big and plan your next getaway, safe in the knowledge that your future is secure and comfortable. Why not let us help you start that plan? Here’s how we do it:

• Prepare, prioritise and plan your goals so we can align your income allocation with these effectively (financial and lifestyle goals).
• Set and forget (knowing we are looking after it) your long-term wealth plan.
• Protection of your income and lifestyle funding secured at a low-cost (the older you are the more expensive your insurance).
• Goal setting and prioritising – not sure what to do first? Buy the house or travel the world, we can help you decide.
• Savings plans – smart ways to save for that round the world trip or even a decent deposit for your first home.
• Confidence in your decisions and a professional ear to bounce ideas off all have financial goals and dreams, why not let us work out if yours are achievable.

Call us today for your complimentary planning session.

35-45

we can help with…

Here’s a common scenario: Adult life has well and truly hit. You’re probably set in your career, your family home and your priorities may have changed – but you still feel young at heart with big dreams you want to accomplish. Still, you worry if it is all possible?

Let us take away some of that worry for you! We specialise in helping you effectively prepare, prioritise and plan your goals so that it directly aligns with your income allocation (financial and lifestyle goals). Here’s how we do it:

• Well planned debt reduction plan that can save you significant interest costs.
• Long term wealth plan set up and automated so the future takes care of itself.
• Medium-term investment plan (this may include future education costs).
• Return to work calculations – should you return to work or are you working just to pay childcare?
• Updated insurance to make sure your assets, income, young family and lifestyle are protected from any unforeseen events.
• Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
• A well-executed Estate plan.

Call us today for your complimentary planning session.

45-55

we can help with…

So, you are now starting to think more about your retirement plans. For those with children, you may be getting back some of your freedom. You are more than likely earning at your peak and also spending at your peak. You have been chipping away at the mortgage and its hopefully in a good shape. Should you start adding more into superannuation, or start enjoying the fruits of your labour? Can you do both? Here’s how we can make it all happen for you:

• Prepare, prioritise and plan your goals so we can align your income allocation with these effectively (financial and lifestyle goals).
• Take control of your superannuation – boost your super savings and take the worry out of retirement.
• Proactive taxation planning – making sure your plan is set up in the best possible way to optimise your tax position both personally, inside superannuation and your direct investments.
• Insurance Review – you may find you can start to reduce your need for insurances as you lower your debt and your children get older. We can then revert these savings to your retirement planning needs.
• Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
• A well-executed Estate plan.

Call us today for your complimentary planning session.

55+

we can help with

You are potentially coming towards the end of your work life, preparing for the kids to leave so you can join the grey nomads. Most people like to travel regularly and enjoy the fruits of their labour, however they worry whether or not this will last.

There are so many things to think about. Is my superannuation going to be enough? Do I have to downsize my house? Will I get the aged pension? How much is a round the world ticket and when can I leave?
Why not let us be your professional sounding board and answer some of those questions for you. Here’s how we do it:

• We provide confidence and peace of mind you will be able to meet your expense requirements – including the holiday budget. We can put plans in place to help bridge any gaps.
• We will create a correctly structured retirement plan to maximise the effectiveness of your income streams and allow for changes in your circumstance.
• Confidence in your decisions and a professional ear to bounce ideas off – we all have financial goals and dreams, why not let us work out if yours are achievable.
• A well-executed Estate plan ensuring your spouse and family are looked after in the unfortunate event of illness or premature death.

Call us today for your complimentary planning session.