Financial Advice

Components of Financial Advice

Financial advice is specific to each situation, and where a financial plan assesses and then synchronises all aspects of your personal finances, it can serve to compound your financial performance.

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Financial Advice

Financial advice can help everyday Australians understand how they can secure, grow and protect their personal finances. Regardless of the size of your annual income or the amount you have in superannuation, or if you own your home or one or more investment properties, financial advice can help you to identify opportunities, expose blind spots and implement more cost-efficient ways of managing your finances.

Financial advice is specific to each situation, and where a financial plan assesses and then synchronises all aspects of your personal finances, it can serve to compound your financial performance.

Pain and uncertainty surrounding personal finances often results from a lack of a plan.

Financial Plan for the future

Financial planning is all about stacking the deck in your favor.

Ever been called into an important meeting unprepared or been blindsided at an interview or function and felt out of your depth? A plan helps you look ahead and prepare accordingly.

No matter where you are on the financial journey, the right plan will focus you on the right thing at the right time so you can avoid wasted resources and energy.

The most important step of the financial planning process is mapping out a long-term strategy that will help you to achieve your goals. We work with you to ascertain and define your personal goals and objectives which we then use to build your financial plan.

Provides an objective view of your financial situation, where strengths and weaknesses exist and what potential exists to increase financial growth and plug any gaps that are slowing your financial progress.

When developing an investment strategy it is important to understand the relationship between your goals, the investment returns required to achieve your goals and your tolerance to investment risk and potential short-term capital loss.

To ensure your plan is appropriate for you, we discuss your attitude to investment risk and your investment concerns and align the strategic recommendations accordingly.

Each financial plan we develop is tailored to your specific needs which ensures your plan is focused on achieving your goals. To achieve optimal results, we consider numerous strategies weigh up the benefits versus the costs, risks, disadvantages and integration with other areas of your personal finances.

One of the fundamental building blocks of financial growth is spending less than you earn. The greater the cash flow surplus you have to work with, the greater your capacity is to build personal wealth.

Cash flows can increase in complexity as more investments, income, borrowing and deductions are added to the mix. The effective balancing of your cash inflows and outflows will be vital to building your investment portfolio without compromising your lifestyle while this is happening.

We outline the projected outcomes for implementing the strategic recommendations by illustrating long-term outcomes and how the recommended strategies will help you to achieve your goals for retirement. Proposed scenarios can be modeled to illustrate the impact of different financial directions.

When creating a plan for the future, potential changes in your circumstances may impact upon the direction you take to achieve specific financial outcomes. Your plan will take these variables into account and appropriate strategic recommendations will be made to provide you with financial security now and in the future.

The benefits of implementing the financial plan are outlined in the anticipated outcomes, along with the purpose for strategic recommendations and where the financial impacts will be experienced.

Where there are costs associated with replacing existing financial products or investments, we provide a replacement cost comparison between the recommended strategy and your existing portfolio to demonstrate the difference now and on an ongoing basis.

We operate a transparent and open advice business. All fees payable by you for the services we provide are detailed during your free strategy session are itemised in your financial plan. Our planning costs are also available on this website under advice costs.


With good investment selection over a reasonable time frame, compound growth will do a lot of the heavy lifting and make you less reliant on higher risk investment alternatives.

Successful investing hinges on many factors. Some cannot be controlled (e.g. natural disasters), but others can be. We believe that focusing on the factors within your control, such as goals, costs, asset allocation and finding efficiencies, is an effective way to achieve good long-term financial results.

Investors commonly construct their portfolios from the bottom up, paying more attention to choosing and buying investment products than to the process of achieving their goals.

Investors without a plan often construct their portfolios by evaluating the merits of each investment individually. If the evaluation is positive, they add the investment often without considering whether it fits into their portfolio. This process can lead to a mismatch between the portfolio and its objectives. Common, avoidable mistakes include performance chasing and market timing.

Superannuation and Self-Managed Superannuation Funds

Superannuation is the most effective tax-minimisation lever currently available to most Australians.

The right superannuation strategy can not only enable you to accumulate a healthy retirement nest egg, but it can also enable you to avoid a nasty tax bill when you finally decide to hang up your boots.

Superannuation should be viewed as your own personal investment trust which will help to provide for your future through a combination of contributions, compound growth and attractive tax concessions.

If you are considering a Self-Managed Super Fund, it is very important to conduct the proper feasibility analysis before establishing, as the costs benefits may be prohibitive.

The power of compound is more powerful in superannuation than anywhere else. For this reason, high-cost options can significantly detract from good investment returns, so a low costs approach with the right asset allocation in place for your stage of life is critical.

Tax Minimisation and Planning Advice

Paying tax is unavoidable, however you should be planning your finances by looking forward rather than looking back.

You have the right to arrange your financial affairs to keep your tax to a minimum – this is often referred to as tax planning or tax-effective investing.

Understanding how tax works in relation to your investments can mean that you don’t pay more tax than you need to.

You can plan your investments so they are tax-effective and you don’t pay more tax than you need to.

Lending and Debt Structuring

It is important to support borrowing decisions with detailed financial analysis as you are leaving yourself open to increased risk if you do not crunch the numbers.

Being conservative in your use of borrowing can help you take control of your financial future. Borrowing for the right reasons and within your financial means can make borrowing a useful financial tool.

Borrowing enables you to magnify your investment returns over the long-term while giving you access to assets that you would otherwise be unable to afford. It acts as a force multiplier for your finances!

In order to be effective, borrowing to invest must be right for your individual circumstances and your investment time frame.

When debt is involved, you must have the capacity to service the holding costs. This is where yield and structure will play an important role in determining investment affordability.

Capital growth is vital to achieving a successful outcome when borrowing is involved, so great care should be taken when making investment choices about which assets are most appropriate for your circumstances.

Risk Management and Insurances

While you are in the ‘accumulation stage’ of life you need to protect your greatest asset – your ability to earn an income.

A well-constructed risk management plan should determine the risks that can be avoided, the risks that can be accepted, and the risks that should be insured. The goal is not to profit from an adverse event, but rather to continue with your wealth creation plans in the face of any adversity.

Most insurance premiums can be paid from superannuation if structured correctly. This can reduce the burden on your personal cash flow while still ensuring that you get the cover you need.

The ideal risk management strategy is one that strikes the right balance between appropriate levels of insurance cover and the cost of that cover.

Insurance cover is important, but, at the same time, it is also important that you are not paying out too much in insurance premiums as this can inhibit the growth of your retirement savings.

Estate Planning

Ensures your financial assets will meet your family’s needs at the right time, in the manner you deem appropriate and as tax-efficiently as possible.

Effective estate planning is about ensuring that, in the event of your death or incapacitation, your assets are distributed to and/or controlled by the right people in the right way.

Having a current Will in place is vital to legally safeguard your family’s future and it will also give you peace of mind that your estate will be handled in accordance with your wishes.

It is important to match the components of advice to your personal finances

Personal finances need something to hold them together, otherwise the different components of your personal finances will only be loosely aligned in the direction you want to head.

We have created a simple yet powerful process from which financial goals can be achieved, personal finances can grow and financial momentum can take hold.

The advice process


Financial Planning


Investment Advice


Tax Advice




Mortgage Broking

Property Investment Advice

Property Investment Advice


Money Management


Wealth Creation

Invest In Your Wealth
(because if your don't, who will?)

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