Dear Anthea
Thank you for taking such good care of my money and of me! Regards
Judi

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Dear Anthea
Thank you for guiding us through to a wonderful lifestyle
John and Edith

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Dear Anthea
We, Ron and Joy would like to inform of our absolute satisfaction with the expertise in which you have handled our financial affairs over the last 10 years or so.....

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How can we help you?

 Take care of your retirement

You want to stop working when it suits you.

We are there to make sure that, using the right plan, you are able to make an informed decision about when it’s the right time for you to retire, and with the retirement lifestyle that you desire.
Your plan should ensure that your money is ready when you want it and you can take it in the best way possible to maximise your income in retirement and continue to do the things you most enjoy doing.
Retiring is not the end of life as you know it but the beginning of life the way you want to live it.


 Manage your cash flow

Do you have a budget – do you stick to it?

It’s a simple statement to say that you’ll never get ahead if you spend more than your earn, yet in many households spending more than you earn is what happens on a regular basis. We can work with you to develop a budget, one that suits you and your lifestyle and will set you on the right path to live the life you want now and in the future.

Put your debt to work

There are different types of debt – good and bad.

We can explain the difference and make sure that, where possible, your debt is working for you and your future.

Assist you with a savings plan

The benefits of a good, regular savings plan cannot be stressed enough.

How do you start? How much can you afford? What will your short term, medium term and long term goals be? What will your savings milestones look like? As your financial coach and adviser, we can help you develop a plan that will work for you and will also help you meet the goals you set together.

Invest your money

Saving is one thing and without the discipline of putting something aside it won’t be possible to invest.

Investing is something else – investing is making sure your money is working as hard as possible. Where to invest is difficult to know. We are qualified to advise and have the experience to help you navigate the myriad of opportunities available to give you the best options available for you.

Help you realise your goals

There is a way to achieving your goals.

First is to talk through and understand your goals. Next is to make a plan – the plan should be clear in showing how you are intending to reach these goals. The plan may change over time as your priorities change and goals need to adapt to changes of mind or circumstance. We can work with you in adapting and reshaping your plan to meet these new goals. But without a plan in place reaching your goals will be much more difficult.

Keep on track

Making a plan is one thing.

Sticking to it is quite another. It’s much more difficult and takes willpower and perseverance. Like working out, a coach is better than doing it all alone. We are your financial coach and will help you stick to your plan. This doesn’t mean not being flexible but it does mean making sure you stick to it even when temptations abound and times become tough.

Protecting your assets

Building your assets is vitally important for your future, but protecting your assets is equally important.

How much protection is enough?
We work with a highly qualified insurance broker who can determine the appropriate amount of cover for you. 
If something happens to you, or your partner, how will you continue the life you are used to? How much will it cost to maintain your lifestyle for the present and the future? If you don’t have enough insurance, your life may face drastic and unpleasant change just at a time when this would compound other difficulties facing you.
It is good to know that whatever happens, your life, or the life of your family, can continue as well as possible in changed circumstances.

Look after your estate

Families are at the heart of financial planning.

Making sure that everyone is looked after when one family dies is something that can make a huge difference to the financial position of the rest of the family. We can ensure that your estate is structured effectively so that when something does happen to you or a loved one, it will upset you but not your financial plans.
This is even more important when a small business is involved.

Explain how things work

If finance isn’t your specialty you can rely on us to assist you through the jargon and explain simply financial terms and concepts and make sure you understand how it all works

  • Gearing
  • Salary sacrificing
  • Offsetting
  • Asset classes
  • Transition to retirement
  • Co-contribution
  • Risk tolerance
  • TPD and trauma
  • Dollar cost averaging

Keep you informed

In good times and bad, we will keep you informed of how market movements are affecting you and your portfolio and strategy.

We will also let you know about pertinent events that may affect your investments -  including elections, global unrest, changes in legislation, natural disasters and the like.
You have more important things to worry about than the state of your portfolio at any given time.

Teach your family basic concepts

You can’t do it alone. If your family isn’t on board with the plan it will be more difficult to reach your goals.

We should be able to explain basic concepts to your children so they understand how to manage their money and your money. Good habits are best when begun early. And bad habits should never be allowed time to take hold.

Plan for your future

As your circumstances change you will need to update the way your finances are structured.

We can do this for you – make sure you are in the best shape to take the next step on your financial journey – from single to married to parents to new jobs, no jobs and even grandparents and retirement.

Connect with experts

As your adviser I am a professional and I am connected to a range of other professionals and specialists to refer you to for your various requirements.

This might include an insurance broker, a mortgage broker, a solicitor, accountant or other.
I can also work with your existing professional relationships, if you already have an accountant or lawyer. The idea is we all work together and make sound decisions that will make your financial strategy more seamless to manage.

It’s all about making it easier for you to be who you want to be and live the lifestyle you aspire to. With our help – you can make it a good one.