apex banner.png
     

10 Ways We Can Help


1. Are you struggling to keep up with your expenses?

We can work with you to develop a family budget and get you back on your road to financial success.  Our expert advisers have experience in dealing with personal finances and can help you reduce household expenses and refer you to experts to consolidate your debts. To download our budget calculator, click here.

2. Are you saving to buy a new home?

Purchasing a home is one of the biggest financial decisions you will ever make.  We help you to work out what you can realistically afford based on your lifestyle objectives and develop savings strategies to ensure you achieve your dream of owning a new home.  We also have access to specialist mortgage brokers to arrange debt solutions.

3. Do you want to have children, but are not sure if you can afford it?

Dropping to one income can be a difficult financial time.  We help you plan your income and expenses in the lead up to maternity leave, explain the various government benefits that may be available and develop a strategy to ensure that you can enjoy this lifestyle milestone without the stress of worrying about your finances. 

4. Do you already have a young family?

For people with a young family, financial protection of your family is paramount.  We will review your personal insurance cover to ensure that they are adequate in the event of unexpected illness.  This is also an ideal time to start a savings plan for your children’s education.

5. Have you recently purchased a home?

Major financial transactions such as purchasing a new home are a perfect time to review your overall financial situation.  Could your partner afford the mortgage is something were to happen to you? Would you want to move out of the home if you were to get ill or injured at work?  If the answer is "no" to these questions, then you ought to review the level of your insurances.

6. Are you sick of the “rat-race”?

Investing is the best way of creating wealth.  We specialise in developing a financial solution that can enable you to realise your financial potential.  This could mean a "sea change" is not as far away as you imagine.

7. Do you hate paying taxes?

Our investment philosophy is centred on total returns after taking into account the impact of taxes.  It may be possible for you to significantly reduce your tax liability via investing in superannuation, choosing the correct investment structure or prepaying interest.

8. Are you in your 30s or 40s?

You are approaching the peak of your earning capacity.  This is the best time for you to structure and implement an investment plan.  You still have plenty of time to create your financial empire and a well considered financial plan can help you be disciplined enough to maximise your financial potential.

9. Are you over 55?

Recent changes to superannuation rules have presented you with an excellent opportunity to build on your retirement nest egg.  Significant tax savings could be available to you and this is an excellent time to review your overall financial position.

10. Are you about to retire?

Approaching retirement can be a daunting time.  There are so many emotional matters to deal with.  However, if you have your financial plan in place, your transition to retirement should be a simple one, free from stress and worry.  We ensure that your retirement plan provides enough regular income to allow you to live the lifestyle you want and that you deserve.