Flourix works with you to design a solid financial plan you can stick to. We manage and monitor everything so that following through is effortless. The services we provide to our clients include:
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.
At Flourix, we will work together to uncover what your bright and secure future looks like. We then break down the big picture into a set of specific and achievable goals which make you smile when you think about them.
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. The tiny incremental spending and saving decisions we make daily add up over a lifetime to produce dramatically varied results. These results will impact on every aspect of our lives.
In any financial strategy, it is essential to get these foundations right first.
Without a solid understanding of where your money comes from and where it goes, it’s impossible to make consistent progress towards the bright and secure future you imagine.
With a clear picture of your bright and secure future, your specific and achievable goals mapped out and the foundations of your saving and spending strategy laid down, we can design a customised investment portfolio to help you achieve your goals.
We will tell you 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 in. We show you how to manage the risks so that you can enjoy the rewards.
We will 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.
By using the right structures, adopting the right investment strategies and maximising your deductions, we can minimise unnecessary tax leaving more of your income and wealth for you to enjoy.
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.
Super & Retirement
10% of your income goes into superannuation which is huge amount particularly if you think about this over your lifetime. And it is likely to become either your largest or second largest asset (after or in-front of your home).
Further to this, the superannuation rules include 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 or taking the right amount out, and that you are using all of the tax benefits available to you.
Most of us have our homes and cars insured, plenty of us even insure our pets. But when it comes to important things like our ability to earn an income many of us start to switch off.
Taking out insurance for unexpected events such as an accident, illness or early death is the best way to protect yourself, your family and your wealth. The last thing you want to be worrying about should something happen is how you will pay your bills or keep a roof over your head.
We can help you figure out what insurance you should have, and how much. We’ll then find the right insurance company and guide you through your application. And if you ever need to make a claim, we’ll take care of this process for you or your family.
We might not like to think about it, but everyone, no matter how young or healthy needs to be able to answer some big questions.
Like who will look after my family if something happens to me? And how would they get by if I did die? Or if I suffered an injury or illness and couldn’t look after myself anymore, who would I trust to make important decisions for me?
We can guide you through the process of answering these questions, and then help you document your intentions. You’ll leave knowing that your affairs are in order, and you can go back to focusing on happier things.