Invest in your future

Spending a bit of time learning and developing good financial habits may be one of the most important investments you ever make.

Being in control of your finances means you’ll not only know where your money’s going and gain peace of mind, you’ll increase your ability to create a better life for yourself.

How we can help

We can help you gain control of your finances by showing you:

• How your spending and financial commitments could fit in better with your lifestyle day-to-day
• Appropriate financial strategies for you
• Practical steps to help you enjoy your idea of Financial Freedom

Help to make the right choices

There are many different investment types and it can be challenging to know which are the right ones and what risks they might involve.

We’re here to share our passion, knowledge and experience. We can help you create a plan that suits your needs to help you achieve your idea of Financial Freedom.

How we can help

We can help you set priorities, so you are a step closer to reach your goals. You might like to focus on:

• Short-term goals—may include saving for something special over the next six months to two years
• Medium-term goals—may include investing in a business or property, or even starting a new career in the next two to five years
• Long-term goals—  might include boosting your retirement savings or funding a child’s education in the coming five to ten years.

Dreaming big

Owning your own home has long been the Australian dream. Even if it means making a significant upfront investment, the long term gains are generally personally and financially rewarding.

There’s a lot to consider when buying property—from upfront and ongoing costs to your loan structure. Good advice can make a big difference to your long-term financial success.

How we can help

We can help you make the right choices when buying property—we can help you:

• Work out how much to borrow
• Calculate the deposit you’ll need
• Choose the best way to accumulate a deposit
• Set a comfortable budget and timeframe
• Determine the need for insurance such as income protection, death and total and permanent disability (TDP) and whether they’ll be appropriate for you.

Protect those around you

Protecting your family from the financial adversity that unexpected events often cause can make a world of difference to your loved ones.

Even though you can’t control what tomorrow may bring, you can take steps to ensure your family is financially protected today.

How we can help

Being ready can make the difference. We can help give you and your family peace of mind that in the event of your illness, injury or death, their lifestyle can be maintained.

We can help you determine the appropriate insurance cover – income protection, death and total and permanent disability (TPD) insurance may provide a lump sum or ongoing regular payments to your family if the need ever arises.

Living the life you choose

Your health and independence will be fundamental to a long and happy retirement. Similarly, a strong financial position is key to you enjoying the choices that a comfortable lifestyle can bring.

We can work with you and help you consider your goals and aspirations. We can help create a plan that covers all the financial aspects of building your next chapter.

How we can help

By considering your retirement lifestyle and what Financial Freedom will mean for you, the better off you might be. We’re here to help you:

• Understand your financial situation now and later on
• Identify the date you’ll have access to your super and whether you can maximise any Centrelink entitlements you may be entitled to
• Check your retirement savings and estimate the income you’ll need.
• Recruit the right strategies for funding the life you want now and in retirement.

Plan for the life you really want

If you are heading towards retirement, or perhaps already in it, ensuring you have a plan to achieve the Financial Freedom you have saved for could make a difference. 

We’re here to help you. Together, we’ll create a detailed plan that takes into account your goals and aspirations, covering all the financial aspects of embracing a full life in retirement.

How we can help

We can help by showing you options to make the most of your money and also help you to:

• Achieve a balance between day-to-day spending and your long-term needs
• Access any benefits you may be entitled to, in addition to maximising your Centrelink entitlements where possible
• Understand the effects of changing your financial arrangements if and when appropriate
• Choose how your assets fit into your retirement plans.

Freedom, the ultimate gift

Those who receive money, property, shares or other valuable items as part of an inheritance often face unexpected and unintended financial obligations.

It’s important to understand any obligations that may apply when leaving or receiving an inheritance. That way you can freely give and receive.

How we can help

We can work with you and your solicitor and tax agent — or refer you to one, to help you make the most of the opportunity you have been given. Also, if you are thinking about estate planning we can help you create a financial plan that considers your personal circumstances and helps you take care of your family’s future in the appropriate way.