Michelle Sanchez

B.Comm ADFS (FP)

A bit about me professionally..

I started financial planning in 2007, but have worked in financial services since 1998.

I particularly enjoy working with clients in the pre-retirement phase – so if you’re planning to retire in the next five to 10 years, I’d love to help you get there.

Together, we can develop strategies to help build your super, eliminate any personal debt you may have, and importantly, start to think about what you would like your retirement to look like.

Then, once that retirement milestone is reached, we’ll keep working together to ensure your cashflow can provide you with the lifestyle you’ve been looking forward to enjoying.

Your retirement income may be generated from your personal investments, Centrelink benefits or a combination of both.  And if you’re eligible for a Centrelink benefit (such as the Age Pension), I’m more than happy to assist you with this process, since it can be complicated and overwhelming.  My aim is to make things simple and calm for you.

I can also assist clients who are interested in investing sustainably, as I understand that this is an important consideration for many clients; particularly now that more ESG investment opportunities are becoming available.

I would like to think that the two words my client would say best describe me are: compassionate and caring.

A bit about me personally…

I have two gorgeous young children, so much of my time away from the office is spent with them.

My hobbies include cooking delicious meals – especially when it’s with food I’ve grown in my own edible garden. 

I’m also a photographer, specialising in children’s and family portraits.

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Support staff

Sharyn Bungey

Sharyn Bungey

Client Service Manager

Request an appointment with Michelle

Latest insights

Whilst there is often no single cause for market volatility, there are some conditions that can lead to it. In recent times, we have seen concerns about when interest rates and inflation, the perception of a housing market bubble, and instability in global affairs affect the ability of investors to obtain a reliable picture of the future. While these kinds of stories are not new and may not have triggered the recent stock market fall, they are some of the forces at play in the current market turmoil.
The type of concession card you may be eligible for is based on your age and circumstances. A Pensioner Concession Card (PCC) is issued to pensioners, a Low Income Health Care Card (LIHCC), is issued to someone on lower income, regardless of their age, and a Commonwealth Seniors health Card (CSHC), is available to someone who is above age pension age and doesn’t qualify for any social security payment.
The last 3 years in markets have been a challenging time, first came COVID and then the Russian invasion of Ukraine, it’s hard to see the light at the end of the tunnel. Household consumption is the primary force behind economic growth and it’s been experiencing a difficult combination of soaring mortgage rates, increased living expenses and persistent inflation. Together, these things are causing a decrease in disposable income. These strains are likely to persist for a while yet and are causing the short-term fluctuations you might be seeing in your portfolios, depending on your level of share exposure.