Your financial journey
Our process is simple
Step 1. Book the call
Can we work together?
A quick, free phone call will answer some easy questions.
Step 2. Define Your Why & Discover Your Roadmap
A one-hour catch up where we find out what’s truly important to you, and whether you’re on the right track to get there. Also free.
Step 3. Get Strategic
We formulate a strategy for you that will identify the opportunities for growing and maintaining your wealth – in a way that lets you lead a wealthy life.
Once we go through this with you, we’ll both know the value we can add as your financial planner, and you’ll be in a position to decide whether to engage us as your financial planner with full confidence – no guessing about whether it will be worth it!
Step 4. Refine the plan
With a clear strategic direction already outlined, we’ll dial this in to create a full strategic plan, complete with next action steps, future considerations and a clear path forward.
Step 5. Implement, Adapt, Review and Reset
Life never stands still, and neither should your plans. Over time what’s important might change, as will your circumstances, outlook and goals. At the same time, the rules, regulations and economic outlook change as well.
We stay up to date with these, and catch up regularly to assess savings and opportunities, track results and reduce risk.
Together with your trained and experienced financial adviser, we’ll use research-based tools and sound strategies to find the easiest and most efficient path to your life goals.
One call to start them all
Let’s connect, Book a time that suits you.
Sweeten your life.
Case Study
David and Dianne
Understanding retirement
From fishing to spending time with the grandkids, how do we make this happen?
David and Dianne 4148% ROI
David and Dianne were looking for a financial planner who could help them understand what retirement looked like, how to structure this transition in the most financially effective way, and how to make it all happen. Ultimately, they wanted to find someone trustworthy that really understood them.
Investment property
2M in net liquid assets
Lifestyle goals
They had had a budget and were well organised financially, having already sold an investment property in Goulburn. With close to $2 million in net liquid assets, they didn’t have any lofty goals, but wanted to to maintain an income of $80,500 a year in their retirement so they could both enjoy their current lifestyle. For David, this was fishing. For Dianne, this was spending time with the three grandkids and in the garden. They would also like to keep a minimum of $120,000, which they could use for travel, a retirement party, and any emergency expenses.
Our recommendations
Benefit
$540
Make a $3,000 spouse contribution in order to get the Tax Offset
$152,551
Over 7 years
Reduce unnecessary insurance cover, saving $21,793 in premiums per annum being paid on unnecessary insurance for the next 7 years
$86,297
Over 10 years
Use the proceeds of your property sale to repay the mortgage, rather than having this as a cash savings account
$67,868
Over 20 years
Consolidate superannuation funds, saving $3393 every year in fees
$9,224 Potential tax saving for adult beneficiaries
Re-contribution strategy to reduce the taxable component in super
$94,245 Gained in Centrelink entitlements
Spouse rebalancing of super
Peace of mind
Review Estate planning
Historically similar returns for 1/3 less risk
Review portfolio, reducing exposure to underperforming, higher risk assets
$410,725+
4148% ROI
Total measurable benefit of initial advice
$9,900 Fee
Lets hummm together
It’s not set and forget around here
Together with your trained and experienced financial adviser, we’ll use research based tools and sound strategies to create a clear path to your life goals.
As with life, investing comes with its own set of trade-offs. We create an investment strategy that suits you.
Your roadmap is a clear plan for the future.
Tailored to what’s important to you:
- Keeping costs low?
- Managing tax implications?
- Capturing performance?
- Creating Income?
- Ethical investment advise?
- Protection from bad markets?
Client grinning and award-winning
