The first thing you need to understand is what you actually have! To help you with this process, we look at your current financial position and assess the following areas:

• What good debt do you have?
• What bad debt do you have?
• What assets and liabilities do you have?
• Do you have a household budget?
• Do you follow it?
• Do you have a capacity to save anything?

This is a very important first step to a bright financial future. If we don’t know where we are, it is very difficult to chart a path anywhere...

Once we have assessed your position, we look at options to re-structure your financial life to help alleviate any current cash flow stress and/or provide for a balanced household budget - hopefully with a weekly surplus. To achieve this we look at the following areas:

We look at debt consolidation options for you
Credit cards, car loans, personal loans, store cards...

We look at changing the types of financial products you use to minimise interest paid
Offset accounts, mortgages, interest bearing accounts, lines of credit

Finally, we help establish short and long term Financial Goals

• Immediate
• 5 year
• 10 year
• Retirement

Once you have a solid platform to build upon and you know where you want to be...all you need is a plan to get there...

The biggest issue with our client's plans is the fact they usually don’t have one at all.

Once we have your debts under control and you have a solid platform for growth, we help you develop a plan to get where you want to be using affordable tax effective investments.

• How much, if anything, can you afford to invest?
• As little as $50 a week can make a big difference if used correctly over time
• How much time do you have to get what you need?
• Do you have the time and expertise to look after your investments?
• Do you want a quick and easy solution that needs no input from you?

Do you need extra cash as you progress for things such as:

• School or University fees
• Holidays
• New car
• Medical bills
• Set up the kids