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 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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CERTIFIED FINANCIAL PLANNER® is a certification mark owned by the Certified Financial Planner Board of Standards Inc. (USA) and used by the FPA under license.

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Support staff

Dani Nunns

Dani Nunns

Client Service Manager

Request an appointment with Michelle

Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.