What is on your mind?

We understand that you are just starting out in your financial journey and that your needs are probably relatively simple. Since you are reading this page you obviously see the value in obtaining professional advice from someone who is an expert in their field who you can trust to put your best interest first. And you don’t want to make any mistakes. Click on the buttons below to learn how we can work together.

Buy my first home

Buying your first home is a very important financial decision. Knowing when you are financially strong enough to make the acquisition, how much to borrow, how to structure the loan and so on are all important and often daunting decisions for a first home buyer. In addition, the property buying process can be a minefield. Not only can we help you arrange your finance, we will guide you through this very important transaction and answer all your questions – no matter how silly you think they are. Also, we can explain why the first home you buy is the most important acquisition you will probably ever make in your life (from a financial perspective).

The first step in buying your first home is to work out if you are “financially ready” to buy now. You can download our first home buyers’ readiness checklist below and contact us today.


Buy my first investment property

Congratulations on starting your investment journey at such a young age. At this age, you only have to do a very few things right as you can’t do too many things wrong. Buying the “right” property is definitely the most important thing you can do. Whilst we can help you with working out how much you should borrow, how to tax effectively structure your debt and arrange the finance with the bank/s. However, probably the most valuable thing we can do for you is guide you to ensure you invest in the “right” property. It is important to point out that we do not have any vested interest i.e. we don’t sell property to our clients or accept or pay any referral fees. We know that if we help you buy a high quality investment that in time you will have a lot of equity and we can therefore help you to further build your wealth. However, if you buy a dud property, there is little we can do to help you.

The benefits of compounding growth are significant. If you buy a $500,000 property today and it appreciate in value by say 5% p.a., in 30 years it will be worth over $2.15 million. However, if you buy a higher-quality property and it appreciated in value by 7% p.a., it will be worth over $3.8 million.  That is a massive $1.66 million difference (which is equivalent to $780,000 in today’s dollars). Remember, both these properties cost the same in stamp duty, interest and holding costs. Click here to read an article that sets out the 3 factors that make a property investment-grade.

To learn more download out investment-grade property checklist below or contact us to arrange a complimentary meeting today.


Plan for the future

Before you build a house you engage an architect to prepare plans. This is important so that the house that ultimately gets built is fit for your purposes and withstands the test of time. Investing is not that dissimilar. Before you consider your investment tactics, you should have a clear idea of what your strategy is. Tactics refers to where to invest whereas strategy referred to how to invest. Your strategy needs to address things like what your financial and lifestyle goals are; what assets and income you will need to accumulate to achieve your goals; the most appropriate ownership structures to hold said assets; how and where to allocate your surplus cash flow and so on. If you need strategic financial advice is it critical that the professional who provides you with that advice has no vested interest in the advice outcomes. Put simply, make sure the person has no investments to sell you (i.e. doesn’t earn commissions from selling super funds, shares, managed funds or property).

Developing an investment strategy for a client that is less than 30 years of age is typically very simple and therefore low cost. Often the most important part is to simply make a start and ensure you maintain as much flexibility as possible.

If you would like to have a complimentary meeting to discuss how we can work together and provide you with independent strategic financial advice, contact us today.


Arrange some insurance cover

Typically, people under 30 need very little in the way of personal risk insurance. It is likely that you will need minimal Life and TPD insurance, if any at all. However, while you are young and in good health you should protect arguably your most valuable asset i.e. your ability to earn an income. As we get older our health tends to deteriorate. Obtaining income protection insurance cover now, whilst you are young and healthy, takes advantage of the guaranteed renewability feature that many policies contain. This means that the insurer has to continue to provide you with cover no matter what health events you experience in the future.

When providing insurance advice to our clients we carefully balance out three important factors: quantum of cover, quality of the policy (to maximise the chance of a benefit being paid when you make a claim) and overall cost to ensure you get the best value for money. We are not in the business of trying to sell you anything you don’t want or need. We are simply here to help you discover how much cover is appropriate for your circumstances and risk profile.

If you would like to have an obligation-free discussion with our insurance expert, please contact us today.


Reduce my tax

In 1991, the Late billionaire, Kerry Packer declared in front of a parliamentary committee that “I don’t know anybody that doesn’t minimise their tax. I’m not evading tax in any way shape or form. Of course I’m minimising my tax. If anybody in this country doesn’t minimise their tax they want their head read. As a government, I can tell you you’re not spending it that well that we should be paying extra.”

Our approach to providing tax advice is to take every opportunity to reduce it whilst sticking well within the black letter of the law. There is no need to take on any tax compliance risks. It’s simply not worth attracting the ATO’s attention. Acting as our clients’ tax and financial advisor means that the right hand knows exactly what the left hand is doing and nothing gets missed. It also means we can take more of a strategic approach to tax planning as we can consider your current arrangements in balance with any future plans we have discussed.

If you would like to consider appointing us as your tax agents, please contact us today for a confidential discussion.


Review my super

Almost 10% of our income is paid into our superannuation fund every year. Your super can end up being a significant amount of money if you take control of it and invest it wisely in the lowest cost environment. Did you know that a relatively small difference in fees could reduce your super balance by 70%? This blog discusses how important it is to minimise super (admin and investment) fees to around 0.20% p.a. Secondly, you should sack the investment experts. Adopting a passive (index) investment philosophy which has been proven to generate higher returns in the long run as discussed in this blog. But your asset allocation is probably your most important decision.

We don’t receive any commissions or any other benefits from recommending any super funds. Therefore, we can independently guide you through the myriad of superannuation options that are available to you.

If you would like us to conduct a complimentary review of your super fund fees, please contact us today.


I’m not sure what I need help with

We understand that sometimes it difficult to know exactly what you need help with. As the saying goes; you don’t know what you don’t know until you know it. With that in mind we invite you to book a complimentary meeting with us where we will take the time to learn about your financial circumstances and life goals and share some ideas with you on how you could maximise your financial opportunities.

If appropriate, we will articulate how we can work together to help you with your financial journey. Our caring and friendly approach is completely focused on your needs and is not “salesy”. We will only contact you after our initial meeting if you request it.

If you would like us to book a complimentary meeting, please contact us today.