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Select a life event below...

See what areas are affected...

And what you need to consider...

  • Select your life event
  • Save for a deposit
  • Getting married
  • Buy a house
  • Start a family
  • Receive a pay increase
  • Children's education costs
  • Buy an investment property
  • Start a business
  • Children leave home
  • Sell an asset
  • Mortgage paid off
  • Divorce
  • Receive an inheritance
  • Reach age 50
  • Reach age 56
  • Reach age 60
  • Retirement
  • Aged care

We can help you...

Select from the life events to see how we can help you.

 

Financial planning model

Save for a deposit

We can help you...

Budget and improve cash flow to create surplus income

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Determine an investment strategy to achieve your deposit goal

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Explore investment risks and life insurance options

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Financial planning model

Getting married

We can help you...

Budget and improve cash-flow to save money

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore investment options for your savings

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Implement life insurance early if you are contemplating a family

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Understand how to use superannuation for life insurance and estate planning

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Implement a Will to reflect your new circumstances

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Buy a house

We can help you...

Understand and budget for your ongoing financial commitments

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Evaluate your debt options for purchasing your home

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Be prepared if interest rates go up or your income stops

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Determine what happens to this asset if you pass away

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Start a family

We can help you...

Cater for a drop in income if someone stops working for a while

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore ways to restructure debt to reduce financial stress

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Understand the importance of life insurance to protect your new family

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Evaluate if the guardianship of your children should be in your Will

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Receive a pay increase

We can help you...

Understand how much tax you now pay

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore investment options for any surplus funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Understand if negative gearing is an option

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Evaluate your income protection insurance needs

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Financial planning model

Children's education costs

We can help you...

Determine how much of your income needs to be invested in education

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Understand what investment plan is best given the timeframe

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine if debt should be part of the investment strategy

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Provide for education costs in your life insurance

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Financial planning model

Buy an investment property

We can help you...

Understand how this will impact your cash-flow

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Determine if this is the best investment option for you

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Structure your debt for best effect

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Identify and mitigate risks where possible

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Determine what happens to this asset if you die

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Start a business

We can help you...

Evaluate ownership structures and income distribution options

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore debt options to provide a cash-flow buffer for emergencies

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Determine if you need more life insurance

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Understand small business roll-over relief rules

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Understand how business assets are treated on death

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Children leave home

We can help you...

Complete a budget to identify surplus income

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore investment options for any surplus funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Evaluate the benefits of downsizing your home and clearing debt

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Determine if you can reduce life insurance and save money

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Re-evaluate your retirement goals

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Determine if you should re-visit your Will to cater for your new circumstances

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Sell an asset

We can help you...

Identify options to reduce capital gains tax

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore options for investing funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine whether debt reduction is your best option

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Decide whether super contributions is your best option

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Financial planning model

Mortgage paid off

We can help you...

Determine how much surplus income is now available

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Explore investment options for surplus funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Evaluate re-borrowing for investment purposes

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Determine if you can reduce your life insurance cover and save money

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Evaluate salary sacrifice for retirement wealth creation

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Financial planning model

Divorce

We can help you...

Budget for your new financial circumstances

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Understand your options for surplus funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine your debt needs and how much you can borrow

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Evaluate if (and how) life insurance should be considered in your settlement

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Review your retirement plans given your new circumstances

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Review your estate plan given your new circumstances

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Receive an inheritance

We can help you...

Explore investment options for these funds

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine if you should reduce your debt

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Evaluate the impact on your retirement goals

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Understand if you should discuss estate planning with elderly parents

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Reach age 50

We can help you...

Evaluate the benefits of salary sacrificing

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Explore debt reduction strategies

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Determine realistic retirement goals and strategies

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Financial planning model

Reach age 56

We can help you...

Understand the benefits of a transition to retirement strategy

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Evaluate the benefits of salary sacrificing

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine if your investment strategy should become defensive

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Determine realistic retirement goals and strategies

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Financial planning model

Reach age 60

We can help you...

Explore tax free withdrawals from superannuation

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Determine if your investment strategy should be more defensive

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Understand the benefits of a transition to retirement strategy

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Implement a comprehensive estate plan

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Retirement

We can help you...

Evaluate your income needs in retirement and access to Centrelink benefits

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Determine if you should transfer non super assets into superannuation

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Eliminate debt with available funds

We use your Debt Plan to eliminate your mortgage and create wealth.

Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.

Re-visit your investment risk profile

We use your Risk Plan to protect the things that are important to you.

Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through; implementing life insurance, recommending appropriate investments and possibly fixing interest rates.

Understand how long your superannuation will last

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Determine if you should revisit your wills to cater for your new circumstances

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model

Aged care

We can help you...

Identify your eligibility to any government entitlements

We use your Income Plan to free up surplus funds to achieve your goal.

Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

Decide whether to sell or keep your home

We use your Investment Plan to explore your investment options and empower you to choose what’s best for you.

Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

Determine how your income needs will be met as you age

We use your Retirement Plan to help you achieve your ideal retirement.

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.

Evaluate the suitable distribution of your assets

We use your Estate Plan to ensure that the right assets, go to the right people, at the right time.

Your estate plan articulates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection as a priority.

Financial planning model
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