Meet our clients living the ‘healthy wealthy happy’ life today
What were their challenges?
As a young defacto couple with savings in the bank, Angus & Eliza were unsure what they should be doing. Quote “it’s time to start adulting, we need help sorting our s*** out”. They knew they needed help and wanted to make the most of their savings.
What did they overcome?
Classic paralysis by analysis. Torn between using the savings for Share Investment or Property Investment? Or should they just keep saving and eventually buy a home? Also what exactly should they do with their super and do they really need Insurance?
So, initially we looked at the cashflow and the options available to them, before mapping out the investment plan they felt most comfortable with.
How did I help?
I ran them both through the scenarios they had available, giving them the extra information they needed to help make an investment decision.
We then mapped out a financial plan which addressed the rest of their concerns, and have helped with implementing the recommendations. I wanted to make this experience super easy, removing any stress or burden they were feeling.
What did they learn that I can share?
There is value in having clear goals and a plan in place, the financial advice process has really helped in overcoming the financial inertia they were feeling.
HOW WE HELPED IN PARTICULAR
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The amount of super you’ll need when you retire depends on your big costs in retirement and the lifestyle you want. The Associate of Superannuation Funds of Australia (ASFA) estimates for a single $44,224 a year and for couples $62,562 a year is how much you may need. This is only an indicator and our advisers assess everyone’s individual circumstances.
The fees we charge for financial advice is only a fraction of the value we derive for our clients, meaning our clients are always better off after seeing us. Rarely do we encounter a new client invested appropriately for their needs, with adequate risk protection, structuring and estate planning provisions in place. Even small tweaks to a financial plan over a long period of time can result in drastically better outcomes for our clients which eclipses the fees of the financial advice. Additionally, you can opt-out of an ongoing fee arrangement at any time.
In our discovery meeting with you our advisers discuss the initial advice fee and the ongoing fees associated with our services.
After our initial phone call to discuss why you are seeking a financial adviser, we arrange a discovery meeting that outlines what is important to you, your current position, our areas of advice, our approach. We then present a Statement of Advice (SoA) to discuss your goals and our recommendations and go through the steps of how to proceed to the implementation stage. After signing the SoA, we discuss your questions, get you to sign the authority to proceed and complete any application forms before implementing the recommendations detailed in the SoA.
One thing to consider is the interest rate on your home loan in comparison to the rate of return on your super fund. Before making a decision, it’s also important to weigh up your stage in life, particularly your age and your appetite for risk. Whatever strategy you choose you’ll need to regularly review your options if you’re making regular voluntary super contributions or extra mortgage repayments. As bank interest rates move and markets fluctuate, the strategy you choose today may be different from the one that is right for you in the future
We know the impact of good holistic financial advice can make and we have the life experience, technical capability and quality support team that can make that difference for you. We’ve empowered over 1000 families through the delivery of great financial advice, to be healthy, wealthy and happy.
We believe the true value of financial advice isn’t found in dollars and cents (although this is important too!) but in the peace of mind a financial plan can provide. It’s knowing where you want to go and how to get there, with a dedicated team behind you every step of the way.