How to get started

We understand it’s sometimes hard to know what you need. You may know what you want, but not necessarily how to get there (financially speaking that is). That’s what we do!

We’ll talk with you about what you really want and where you want to go – in terms of income, assets, and lifestyle – and then provide a framework to help you get there.

We can then check in with you regularly to make sure you’re still on the right path – or if perhaps your preferred destination has changed, and new directions are needed.

Of course, life will sometimes throw things in your path, and you’ll be delayed or need to take a detour. Whatever happens, we’ll work with you to help you through such setbacks. By planning, you can feel confident and in control even as your situation changes.

So, how to get started? Let’s start with what’s most important: you!

Which situation best describes you?

How does financial planning work?

Financial planning is about adapting your financial strategies over the years to match your changing needs. We typically take you through 6 steps, but sometimes we may focus on one issue or just a few parts of the process to achieve your goals.

Financial advice in 6 simple steps

We like to make it easy to work with us – and get the financial advice you need to plan for the future.

LISTEN

Step 1: We meet to get a complete picture of your financial situation.
Step 2: Identify your financial and lifestyle goals.

RESPOND

Step 3: Identify your financial issues and any gaps, to make sure you get to where you want to go.
Step 4: Prepare your financial plan, bringing together your situation, goals and our recommended strategies.

DELIVER

Step 5: Implement your financial plan and get your investments up and running.
Step 6: Review and revise your plan over time.

Get in touch

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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.