Who We Help
Our clients come from a broad range of backgrounds, and they include professionals, mid and senior level executives, individuals, families, and business owners. The clients who engage with us are looking for tailored, sensible advice explained in a way that is easy to understand. They seek an experienced, capable and safe set of hands to help them navigate their changing circumstances over time, and to help preserve and grow their wealth. We offer Financial Planning services from our two Sydney offices - Sydney CBD, plus Caringbah.
We do our best work for clients who demonstrate the following characteristics:
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- They are motivated to improve their financial position and achieve financial peace of mind.
- There is a level of financial complexity in their lives that requires the assistance of a specialist.
- They want to outsource areas of their financial management due to a lack of time, expertise or desire to do it themselves.
Starting a Family
There are a lot of uncertainties involved in starting a family – from choosing the right pram and cot, through to 3am negotiations as to who will get out of bed to pick up your crying baby.
Starting a family also has its own unique set of financial challenges that you’re likely to encounter for the first time. You move from two incomes and no dependents, to a single income household with two dependents. This means that your spending and saving habits will change drastically. You will have to start thinking about what type of education you want for your children, plus how you plan to save for school fees, uniforms etc. You may want to move from a unit to a house with a backyard. Plus, you now have much greater financial responsibilities to your new family’s wellbeing. These changes and new level of responsibility are a great time to seek Financial Planning services in Sydney to ensure that you and your family are financially protected in the event of illness or injury, and have a financial plan in place to secure your new family’s future.
Buying a House
Buying a house can be a stressful process. It brings added financial responsibility to the people who earn an income to help service the mortgage. There is an even greater responsibility resting on the shoulders of the income earner in a single income household. Essentially, that one income is the glue that holds your financial house together. Therefore, it’s very important to put a protection plan in place to provide an alternate funding source should injury, illness or death stop you from earning an income. This funding source is life insurance, and we can help you and your partner determine exactly how much you need, and how you should pay for it so that you can still pay the mortgage and enjoy a good lifestyle. Our Financial Planning services in Sydney can help guide you through this process.
Growing Families
You’re in your 40’s and the children are becoming more independent and you and your partner are placing more focus back on your careers. You are paying down the mortgage and starting to think about planning for retirement although it’s still 15-20 years away. It’s time to bring more structure to your finances to set you up for the rest of your lives. This includes;
- Planning for your future financial security
- Taking control of your superannuation
- Optimising your superannuation strategy
- Teaching your children good financial habits
We provide Financial Planning services and guidance that helps to get your financial house in order and keep it that way year after year.
Paying Off Your Mortgage
There’s no worse feeling than watching your mortgage reduce at a snail’s pace. And yet, thousands of Australians waste millions of dollars collectively every day, paying interest on 30 year loans when a few, simple strategies could reduce the loan term and therefore that amount of interest you pay over the life of the loan. Your mortgage is often the biggest debt of your life, and in reality failing to manage your mortgage could see you lose money to interest re-payments which could be in your pocket.
We can get you started on eliminating debts, reducing your mortgage and saving a healthy sum along the way – without making significant sacrifices to your lifestyle along the way.
Getting Ready For Retirement
Our aim is to help you retire with the level of income you need to maintain your lifestyle. Achieving this doesn't just happen — it requires a financial roadmap, discipline and expert advice, via our financial planning services in Sydney.
We work with our clients to determine the level of assets and superannuation funds required to generate the level of income you need in retirement. We set goals and targets along the way to track your progress.
First, you and your partner should start thinking about the following questions:
What does your ideal retirement lifestyle look like?
At what age would you like to stop working full-time?
Would you consider moving to part-time employment?
How much annual income will you need to live on in retirement?
The answers to these questions form the basis for your financial road map. The earlier you start this process the better. The longer you have before full retirement the better because time is the most powerful ingredient in financial planning.
We Can Help With
MANAGING YOUR
MONEY
We can help you get your financial house in order, and improve your cash flow and increase your savings
PAYING OFF YOUR
MORTGAGE
We can help you cut years off your home loan and save thousands of dollars in unnecessary interest payments
STRATEGIC
FINANCIAL PLANNING
We offer a variety of financial planning services, including wealth creation, setting up investment portfolios and making sure you and your assets are well protected.
SUPERANNUATION
ADVICE
Superannuation is the cornerstone of retirement planning. Even though retirement may not be at the top of your mind, it’s important to get your strategy right now so you can see the benefits in future years
PERSONAL INSURANCE
INSURANCE
Everyone should have a backup plan just in case illness or injury derail even the best laid plans. Personal insurance can provide this backup plan for you and your family.
SETTING UP A SELF MANAGED SUPERANNUATION FUND
Self Managed Super Funds (SMSF) are becoming increasingly popular. Meet with one of our qualified advisers to see if setting one up is right for you.
