You are busy and focused on your family and your career. You recognise the need to establish an action plan for your money, build smart financial habits and better use your household income while maintaining your current lifestyle wants and needs. We provide ongoing guidance that helps get you organised and make sound financial decisions throughout the various stages of your life cycle.

How we make more of your money:

We instil discipline and self-control by helping you understand the future outcomes of the choices you make today. This ensures you make consistent, well informed financial decisions into the future.

We live in a progressive tax environment - the more you earn, the more you pay. With this in mind, taxation implications remain at the forefront when it comes to structuring your investments.

Establish strategies to track your spending to improve your savings rate and accelerate the reduction of non-deductible debt, reducing interest payments over time.

Establish a plan to replace your income and protect the family home in the event of illness, injury, or premature death.

Our objective is to prepare you for retirement with the level of income you ideally need to maintain your chosen lifestyle. This doesn't just happen — it requires a strategy, self-control and careful planning.
We work with you to quantify the retirement capital sums required to generate desired future income levels. We set milestones to track your progress. This is not about making one big decision or finding that silver bullet, it’s achieved by making lots of small decisions consistently over time.

First, we will have a conversation with you and answer some of the following questions:

• At what age would you like to stop working full time?
• What does your ideal retirement look like?
• How much money will you need to live on in retirement?
• When and will you qualify for the age pension?

Once we uncover this information, we are positioned to begin the financial planning process. Time is our most important ingredient, so the sooner we start the better.

Fact - we are living longer and more actively. This amplifies the importance of making your retirement nest egg last and presents a financial planning challenge. To address this, your financial plan needs regular monitoring to ensure your retirement goals are continually met.

There are generally 3 main streams of income in retirement:

• Superannuation/ pension
• Personal provision (investment properties, dividends, other passive income streams and cash)
• Centrelink age pension (subject to eligibility)

Our role is to assist you identify how your retirement income will be derived while constantly assessing your risk tolerance to ensure your money will outlive you.

Creating and executing a comprehensive succession plan while still managing and growing your business can feel overwhelming. But if you’re partnered with the right team, it doesn’t need to be hard work.
We can recommend professionals with proven business transition and succession planning experience. Our expertise spans every discipline, from specialist legal advice through to expert accountancy support. All provided by professionals we know and trust. All managed and coordinated by us, so you can focus on building your business.

You never know what life is going to throw at you, but one thing you do want to know is that you are covered in case of adversity. This means we have the flexibility to recommend the most appropriate insurance solutions to our clients.

This includes conducting a thorough analysis of the following:

A review of existing insurance policies to ensure they are appropriate and cost effective.

Analysis of business insurance needs (buy/ sell arrangements, key person cover).

Advice on structural issues relating to personal insurance and potential tax implications.

A structured review process to ensure insurance levels remain appropriate for client needs.

When necessary, we draw upon a panel of trusted external specialists to complement our skills.