Learn how we can help you make the right choices for life's important financial decisions
Your long-term financial success depends on how you manage money day-to-day. Getting to where you want to be might be easier with the right support and good financial habits.
Taking control
Meeting your day-to-day financial responsibilities like paying bills is easier when you’re managing your money well. When you know where your money’s going, you can design your life and be more empowered to live as you choose.
How we can help
We can help you prioritise and manage your money, and:
- Understand how your spending and financial commitments can fit in with you enjoying your lifestyle day-to-day
- Understand different savings and investment strategies
- Take practical steps towards achieving your goals.
Speak with us about how we can help you reach your goals.
Contact usIf you’d like to make more of your money, it might be time to consider whether your money’s working hard enough. The right advice could make a difference to how much you end up with.
It’s about making the right choices
It can be challenging to identify which investments are the right ones, and what risks they may bring.
We’re here to share our passion, knowledge and experience. Together we’ll create a plan to help you get to where you’d like to be.
How we can help
If you’re unsure which investments are the right ones to help you reach your goals, we can help you prioritise:
- The next six months to two years—your short-term goals may include saving for a holiday or new car
- The next two to five years—your medium-term goals may include investing in property, or starting a new career
- The next five to ten years—your long-term goals may involve boosting your retirement savings or funding a child’s education.
Chat with us about how we can help you make the most of your money.
Contact usYou may be thinking about taking a trip, buying a new car or investing in your first home. Taking the right practical steps at the right time might help you get there.
Help to reach for your goals
If you are thinking about doing more with your money, it makes sense to look at the bigger picture and identify small changes that could make a difference.
We can help you make the most of your income so you are more likely to meet your financial commitments day-to-day, while working towards reaching your goals.
How we can help
We’ll help you:
- Review and prioritise your goals
- Plan to save for your short, medium and long term objectives, and set dates for achieving them
- Identify appropriate financial strategies to help make your ideas real.
Speak with us about how we can help you save for something special.
Contact usWhether it’s a first home or an investment property through self-managed super, we can help you assess your financial position and decide how property can fit in with your plans and goals.
Planning ahead
There’s a lot to think about when buying a property. From the upfront and ongoing costs to any government assistance that may apply. Good financial advice could help you open the door to your property dreams.
How we can help
Be sure you have the right support to help you make the right choices when buying property. We can help you:
- Work out how much you’ll be able to borrow
- Calculate the deposit amount you’ll need
- Choose the best way to save your deposit
- Set a comfortable budget and timeframe.
Speak with us about how we can help with your property goals.
Contact usMarriage is an exciting milestone; a time for looking ahead and a time to discuss financial change.
Managing money together
Once you’re married you may need to consider money differently. You may start to see the need to make financial decisions together as your wedding plans come with many added expenses. We can help you manage your finances, so you both start on the right track to make the most of your money —and enjoy your future together.
How we can help
We can help with your financial decisions by guiding you in:
- How your marriage can affect your financial situation and your short, medium and long term goals
- Ways to manage money as a couple
- Managing any existing debts that may be relevant
- The investments either of you hold and whether any changes may be needed
- The need for insurance cover, such as income protection, death and total and permanent disability (TPD) — and whether they’ll be appropriate for both of you
Find out how we can help you reach your goals.
Contact usPlanning to start a family or have more children can bring a lot of joy to you and your loved ones. On the other hand, expenses can go up and income can reduce if one of you takes time off work.
Understanding the financial picture
Short-term challenges often come with a reduction in income and it’s important to understand any longer-term impacts on your financial position as well. Sometimes an interruption in income can bring unexpected surprises down the track and it pays to be prepared.
How we can help
We’re here to help you understand the financial ins and outs of growing your family, including:
- The costs of raising children—including costs for child care and education
- Changes to your household income and the impact on the goals you may have
- How you can meet ongoing expenses, while setting a path to help your children’s financial future
- The need for insurance cover, such as income protection, death and total and permanent disability (TPD) — and whether they’ll be appropriate for you
Explore your options with the help of an expert.
Contact usSometimes an unexpected event can happen and life as we know it can change.
What will change?
Protecting your family from the financial adversity that unexpected events often cause can make a world of difference to your loved ones.
You may not be able to know in advance what tomorrow will bring but you can do things to protect your family 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 is more likely to be maintained.
We can help you determine the appropriate insurance cover — income protection, death and total and permanent disability (TPD), which may provide a lump sum or ongoing regular payments to your family if the need ever arises.
Speak with us about how we can help you reach your goals.
Contact usWith the end of a relationship comes a great deal of change. A divorce can bring lasting financial changes and at times it can be difficult to know which choice to make.
Looking ahead
The need to manage financial issues can be the last thing you need when experiencing the emotional strain of a separation.
But it’s very important to take control of your finances so you’re protected financially.
How we can help
If you’re going through a divorce or the end of your relationship, we’re here to help you:
- Review the impact of any divorce settlement on your financial situation
- Understand your financial commitments
- Identify sources of income that you may receive
- Develop a new budget and help you stay on track.
Speak with us about how we can help.
Contact usYou may be planning to pass money or assets onto your loved ones when you die. Or you may have received an inheritance.
The financial impacts of inheritance
Beneficiaries who receive items of value as part of an inheritance often face unexpected financial decisions.
It can be challenging to know what to do. We can help you identify your options and seek any other advice you may need.
How we can help
Whether you’re a beneficiary or you’re planning to leave something behind, a valid will is essential. If necessary, we'll work with your lawyer or put you in touch with one so that your estate planning needs can be met.
Speak with us about how we can help.
Contact usThe idea of starting your own business can be enticing but taking the right practical steps and planning ahead can help you make the most of any opportunity.
Welcoming success
There’s a lot to think about when starting a business. You’ll have a better chance of achieving business success when you know what to expect and how to plan financially.
How we can help
If you’re thinking about starting a business, we can help you consider:
- The financial planning aspects relating your business plan
- How working for yourself will affect your super
- Any financial obligations that may apply if and when you exit your business.
Find out how we can help you make the most of working for yourself.
Contact usAs our population continues to live longer, specialist aged care advice is becoming more complex and demanding. For aging couples or those with Parents who require assistance we can provide the expert aged care financial advice you need. Our Senior Financial Adviser, James Tang is an Accredited Aged Care Professional™ and can assist in providing the right advice for you and your family.
Contact us to discuss your aged care needs.
Contact usHaving protection for your plans for the future is vitally important. Without appropriate insurance protection, your plans could be at risk. We can provide expert Insurance Advice on all types of personal insurances.
Contact us to discuss planning your insurance needs.
Contact usRegardless of your circumstances, superannuation continues to become more complex requiring specialist advice. Whether you have a SMSF, MySuper, Industry Fund or Retail Superannuation Fund seeking the right advice is vital to protect and secure your future.
Don’t wait until you want to retire, Superannuation is a lifetime investment and one of the largest and most important you will make. Make these decisions with the right advice.
Contact us to discuss all your Superannuation needs.
Contact usWhen planning for retirement we always seek to maximise your Centrelink benefits. We can provide the right advice that allows you to plan for a lifestyle that is supported by both Superannuation and Centrelink benefits that provides the best possible outcomes for your future.
Contact us to discuss all your Centrelink needs.
Contact usThere’s always more to debt than meets the eye. Having the right debt strategy to maximise good debt (deductable) and reduce bad debt (non-deductible) can have a big impact on your financial plans. We can assist with reviewing your current loans and providing better outcomes for managing and reducing debt.
Contact us to discuss your current debt management needs.
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