What's our philosophy?

In leading your financial future, our Three Pillars will help you navigate your financial world, making the complex simple. We educate, advise and empower you to make sound financial decisions to Grow, Protect and Distribute your wealth.

What are the Three Pillars?

PROTECT

Protecting what you have built to date is the cornerstone of your financial plan. We'll assist you to secure what you have, allowing you to focus on what you want to achieve for the future. Each client's needs are different but can include some of the following:

  1. Structuring assets – the way that you structure your investments can have different outcomes when dealing with creditors, determining which assets pass through your Estate or are left directly.

  2. Cash flow risks – what are the factors that may change and affect your current strategy and how do we protect against this – interest rates, inflation & budgeting.

  3. Ill health – most of us rely on earning an income to meet the lifestyle needs and investment strategies. What happens if you are unable to work due to sickness or injury? We are able to assist you in mitigating this risk.

  4. Asset allocation – depending on where you are on your journey, capital preservation could be more important than capital growth. Therefore tailoring investments to meet this need can be critical, including diversification and liquidity.

  5. Small Business - ensuring that there is business continuity and the right structures and agreements in place for managing key person risk and succession planning.

Implementing strategies to address such factors can avoid the sudden need to sell off your assets at the wrong time, which can result in transaction costs, reduction in price for fast sale or loss of assets altogether.

GROW

Once you are comfortable that what you have built is being protected, we start to look at ways to grow your wealth. Understanding the structures that are available will ensure that:

  1. You are not paying more tax than you need to!

  2. You are receiving the benefits that you are entitled to.

  3. You are managing the risk-reward trade off to have your money working hard for you, while still allowing you to sleep at night.

Growing starts with a simple budget and an understanding of what you need to live for now and what you are prepared to put away for the future. This surplus income can then be used in a number of ways, including debt reduction, growing savings, borrowing to invest or adding to Super. We work with you to ensure you meet your short, medium and long term goals.

DISTRIBUTE

Distribution of assets can happen throughout your lifetime and beyond. It is about establishing structures and identifying risks to ensure that your money goes where you want it, at the time you need it to be there and in potentially cost and tax effective ways. For example you may wish to:

  1. Pay education expenses for the kids.

  2. Building a passive income stream for you to be able to wind back from work and be more financially independent sooner.

  3. Transition to retirement – identifying structures to move forward to meet your ongoing income needs, preserve capital and protect against longevity risk.

  4. Accessing support services such as Centrelink to reduce the capital drain on your own assets.

  5. Having an Estate plan to cater for beneficiary needs and to maintain assets pass to the hands that they were intended.

  6. Philanthropy goals to allow support for those in need.

  7. Managing the transition and expenses of moving into an aged care facility and potential strategies to maximise entitlements and reduce the ongoing expense of care.

We work with you to decipher and prioritise your goals and show you ways to achieve these over the short and long term. Our in depth knowledge of Centrelink and Super Legislation will save you time and money.

Giving back to the community

We have a strong belief in giving back to the community and as such we have partnered with the Cancer Council to provide Pro-bono advice to those that are going through an extremely tough life event and may not have the financial knowledge or means to help them through this tough time. We conduct research and assist in areas such as accessing Superannuation under hardship or compassionate grounds to try and ease the financial strains and allow clients to focus on their wellness instead.

Let us simplify your financial affairs.

CLICK HERE to read how the process of having a financial plan drawn up works or simply call our office on (02) 4969 8402 to book in an appointment. Your first meeting is free of obligation and cost.