Whether you’re just getting organised with your money or you’re newly-independent , we can help.
We understand that getting started with finance can be a little overwhelming. Market indexes, ‘building wealth’, budget analysis. It can be a lot to take in.
But it doesn’t need to be. We take a bite-sized approach to see where you are right now, where you want to be and then help you plot a path to get there. Simple.
Understanding your current situation
Before we plan to build for your future, we need to understand where you currently are. We’ll take a look at:
- Spending habits
- Super balance
This is a completely non-judgemental process – there’s no right or wrong place to start, only your place to start.
Before we can answer questions like ‘should I invest in shares?,’ ‘can I afford to buy a property?,’ or ‘how much should I be putting into my super fund?’ we need to know where you are going in life and why.
We’ll work together to find out where you want to get to, then break down the big picture into a set of specific and achievable goals so you can continually works towards achieving them without it feeling like an uphill battle.
Budgeting, Banking, Spending & Saving
Money comes into our lives every day and the way we handle it has an enormous impact on our well being.
Small spending and saving decisions we make daily add up over a lifetime to produce dramatically varied results which can have a huge impact on our financial future.
Nobody enjoys tracking their budget, so you’ll be armed with an easy-to-use smartphone app that pulls in your bank accounts and groups your spending so we can easily understand your money habits and ensure you’re doing what you need to do to build for your future.
The not-so-secret secret to building wealth is to let the market do the hard work for you. But if you’re not used to investing then it can be intimidating to get started.
We’ll build a custom investment plan that strikes the right balance between growth and risk, with the best combination of investment types (think direct shares, exchange traded funds, managed funds and so on) and asset classes (such as Australian and international shares, cash, bonds and property) to invest for you.
And if all of that sounds a bit scary, no worries. We”ll arrange the investments on your behalf, and proactively manage and monitor your portfolio so that it grows and changes to suit your changing needs.
For many of us property is a big part of the picture when we imagine our ideal life. Whether a home or investment, owning a property has huge intrinsic value and can offer financial and emotional security.
But buying or selling a property is a major decision involving eye-wateringly large sums of money. For lots of us, this will be one of the biggest transactions we will ever enter into.
We can help you figure out what you can afford to purchase as a home or investment, how to save your deposit, how much to borrow and how to structure and repay your loan. We will walk you through the process to make it as simple as possible.
Tax is definitely not the most exciting part of our jobs, but it is one of the most important and one of the most effective ways of ensuring you can retain more of your income and wealth.
We know what the rules are, and how to use them to your best advantage. And we keep on top of the changes and help you adapt your strategy as necessary.
Not all supers are the same, and making smart choices now can make a huge difference to your financial future.
With 10% of your income going into superannuation, it’s likely that it will become either your largest or second largest asset (after or in-front of your home).
Plus, super has some of the best tax incentives on offer – by putting extra money into your super fund you can reduce the tax you pay now, while securing a higher income for yourself in retirement.
We can help you make sure you have the right fund, the right investments, that you’re putting the right amount in and using all of the tax benefits available to you to ensure that your super is growing as it should.
While Sarah had worked in marketing for a prestigious financial firm, she always had the nagging feeling that she didn’t really get finance and money.
In fact, working in finance made her realise just how much there was to know. While it wasn’t all necessarily complicated, it was difficult to know where to start.
Before working with Rachel, the one word I would use to describe my finances was ‘scary..’
Now, that one word would be ‘bright’
We worked together to break down Sarah’s goals into bite-sized chunks, resulting in a solid financial foundation and an easy-to-follow plan to make sure that Sarah was doing what she needed to do to build a clear financial future.
If you’d like to ensure you’re doing what you need to be in control of your money and confident you’re making the right decisions, then I’d love to have a chat.
Whether it’s to answer a quick question or to begin working together, just drop me a line: