financial services

Cashflow &

Why have a budget? Simple — less stress.

A budget is simply a way of choosing how you’re going to spend your money before you spend it. Done right, having a budget and a way to help you manage your money means less stress. It means you spend less than you earn.

A great budget balances two needs:

  1. The need to enjoy your money now
  2. The need to prepare for your future

With the budget set up correctly, and your banking set up to automatically to direct your money to the right places, managing your money is easier. It also means you don’t have that worry at the back of your mind about how much you’re spending, and if you’re going to be okay.

If you have your own system already, great. If you’d like us to get you up and running with our proven system of saving and cashflow management we’d love to help.

Strategic Advice

While you may have experience and a solid knowledge of tax, trusts, superannuation and investment management, strategic advice is a crucial part of financial planning. Long term financial modelling gives you a way to compare and weigh up your options. As a risk management tool, it offers insight into the impacts of big decisions — before you make them. While spreadsheets have their place, our financial modelling is far more intuitive and more Services powerful. It puts you in control and brings your decisions to life in real-time. It’s here that we start to answer some of the bigger-picture questions:

  • How much do I need in superannuation?
  • Will I be able to retire comfortably?
  • When can I retire?
  • How long will my investments last?


What is investing? Investing is taking your hard-earned money and putting it to work for you. We help you find and own good quality, long term investments that meet your needs and will grow over time — creating wealth for you and your family.

If you’re looking for solid, long term investment advice, we’re here to help.


Superannuation is an area that we see plenty of questions, plenty of uncertainty. The sort of questions we hear regularly are:

  • What is superannuation?
  • How much do I need in superannuation?
  • How much does everyone else have in their fund, what’s the average?
  • Can you help me find a suitable fund?
  • How old do I have to be before I can get my superannuation?
  • Should I have an SMSF?
  • What investments should I have?

Superannuation is an important part of retirement planning and it’s never too early to start building it up. We will take you through from the basics all the way to the things most people find complex. We cut out the jargon, this is about your understanding, not ours. I’ll never forget a lady in her late 70’s in tears “I’ve been scared of superannuation for over 20 years. This is the first time I’ve understood it and it’s suddenly so clear”.

Retirement Planning

Retirement is a transition away from full-time work. What that looks like is up to you. Planning for your retirement is about providing certainty and peace of mind.

We help you map out your retirement — answering your what-ifs, so when the time to transition away from work comes, you are ready. We talk about the financial but crucially we prepare you for how retiring might feel, and how you’re going to spend your time. While everyone approaches retirement slightly differently, we hear similar questions in the lead up to retiring:

  • When can I retire?
  • How much do I need in superannuation so I can retire?
  • How long will my money last after I retire?
  • When should I start planning my retirement?
  • Where do I start with retirement planning?

Planning your retirement deserves time and focus. Done right, the process of planning, transitioning and retiring is genuinely enjoyable.

Plan B - Insurance

Have you ever wondered what happens if you couldn’t work through an illness or injury?
How would you pay your bills, your food, your mortgage?
Would you ask family and friends for financial support?
Perhaps. There is a simpler way to reduce your own personal financial risk and the consequences of something happening.
Personal insurance reduces your financial risks, the consequences, by providing you with the money you need when you need it the most.

Insurance for
you and your family

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What is personal insurance? It is simply a way to reduce risk, a way to reduce the financial stress caused by illness, injury or death. Do you need personal insurance? If you rely on your salary to pay your bills, your mortgage, your lifestyle, the simple answer is yes, you need personal insurance. If your family rely on you to earn an income, not only does the personal insurance cover you, but it protects your family. Personal insurance provides peace of mind once you have it, but in the event that something happens and you need to claim, it can be a financial lifesaver. The key here is not whether or not you need it, it’s finding the right balance of insurance for your situation.

Insurance for
business owners

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If you own your own business, it’s likely that it’s more than a job. It doesn’t only provide for you and your family, but for the families of the people who work for you. In the same way that personal insurance can cover you personally, you can cover your needs as a business owner. You can reduce the impact and manage the risk of injury, illness and death of key staff members via key man insurance. You can also smooth the transition of business partners should one of you become ill, injured or die with buy/sell insurance. Every business faces a change in staff, in owners, but it’s the unexpected changes that can alter the course of lives and the business itself.