At different points in our lives we all need advice on planning and building a secure financial future. We might need advice when buying our first home, when looking to invest in property or shares, seeking to protect assets, or planning for retirement. Our services are divided broadly into six main areas:

1. Optimising your current situation

Budgeting and Cash flow — Budget and savings strategies, salary packaging

Could I be making my cash flow work harder?

Finance and Debt Strategies — Mortgage management

How can I pay off my home loan faster?

Is my debt structured in the most cost-effective way?

Tax Planning — Minimisation strategies

2. Investing for your future

We partner with you to develop and implement proven investment strategies, designed to help you protect and grow your wealth over time.

This includes managing your superannuation — consolidating, advice on contributions and salary-sacrificing strategies.

3. Managing work transitions – Redundancy

Within our current work environment it’s much more likely today that a person is made redundant during their working life. We can help you navigate through all the financial decisions you will need to make during what can be a very challenging time.

4. Minimising Risk

Insurance — Protect your family and your earnings

For many of us, the ability to earn an income is one of life’s basic necessities.

We provide you with peace of mind, protecting you, your family and business in the event of a serious illness, injury, disablement or death.

We regard risk management as an essential component of any sound financial strategy.

5. Retirement Planning

Today, we can expect to stay fit and active for many years post retirement. If you plan well and manage your finances effectively, retirement really can be a new beginning, presenting many new opportunities. We’d like to help you prepare for a secure, comfortable retirement.

6. Estate Planning

A robust Estate Plan builds financial security for your dependents so your accumulated wealth is available in the event you are not around.