CASHFLOW AND BUDGETING

Working out where you spend your money is the first step to any financial planning strategy. We have strategies to help you set up a simple budget that is easily tracked, and has buffers for emergencies and luxuries.

Expenditure Planning

We can help you work out how to fund big ticket items such as a new home, renovations, school fees, or a new car. We help you to understand the impact of this expenditure on your long term plans.

Debt Reduction

We love getting rid of personal debt! We have some clever strategies to help you pay down debt faster.

Investing

It’s hard to know what to do with surplus cashflow, or equity in your home. We help you weigh up the pros and cons of buying property, investing in the sharemarket, and/or building super. And sometimes the best solution is to just pay down debt, or hold cash.

Superannuation

For many people this will be their biggest investment asset at retirement. It is important to carefully weigh up investment choices and fees, to ensure you get the best out of your super fund.

Insurance

We help our clients work out appropriate insurance to protect yourself and your family in the event of serious illness, injury or death. We carefully balance insurance costs with your needs to come up with an affordable solution.

Retirement Planning

Almost all our financial strategies start with the end in mind. We help you work out a realistic retirement date, and then set in place a plan for you to build the assets you need to fund a great retirement lifestyle. This plan is regularly reviewed and updated, to allow for changes in your circumstances, and changes in asset values.