Financial Planning
Financial planning means managing all aspects of your financial situation.
Managing finances is complex. And as the saying goes, ‘failing to plan is planning to fail.’ We provide a comprehensive financial planning service that brings together all elements of your financial profile. Our plans address:
- Risk insurances;
- Debt and debt management;
- Cashflow and income management;
- Career planning;
- Superannuation;
- Retirement;
- Aged care; and
- Estate planning
- And most importantly, your personal goals and what resources you are willing to allocate your current and future lifestyles
Each of these elements is important in its own right and making positive changes in any one area will provide substantial benefit. But the real benefits come when two or more of these elements are addressed together. That is when your financial profile really starts to sing.
Relevant Articles...

How to Find Yourself Singing in the Rain
Last week we discussed how the Governor of the Reserve Bank Phillip Lowe recently recommended that home borrowers ensure that they have a ‘buffer’ against the time when interest rates inevitably rise. Interest rate buffers are not the only type of buffer in good financial planning. Buffers are used in many areas, but the need for buffers always comes from the same source: understanding that the way things are now is not likely to be the way things are in the future.

Dear Abbey
We love reading those ‘Dear Abbey’ type letters to the newspaper. Especially the financial ones. Here is a classic we read recently – and what we would do if this were our client.

When the Circumstances Change…
People need to adapt to new circumstances. It is how humans have always survived. This was brought home to us last week as we watched the women’s final of the Australian Open. As you might have seen, Naomi Osaka beat Jennifer Brady to claim her fourth grand slam title. Well played Naomi. But it is Brady’s story that we really liked.

Losing Interest? Well, It Could be 2024 Before Things Change.
Earlier this month, Australia’s Reserve Bank dropped their target for interest rates to its lowest rate ever. This has dampened interest rates across the economy – as you will have noticed if you are a borrower or a saver. Rates will stay low for at least three years, so now is a great time to review your financial plan to make best use of these low rates.