Cashflow Advice

Cashflow is the backbone of just about every financial planning strategy we work with.  On a general level it involves helping you create a realistic picture of your expenditure, how to best structure this, or how it can be adjusted to ensure it is able to be maintained over the long term.  More specifically it ensures you are able to pay for insurance, or to meet your savings and loan repayment goals.

Before retirement, we concentrate on setting up appropriate savings, balancing debt repayment, and the right structures to ensure you pay no more tax than you need to.  

After retirement, it is about creating a regular income that is enough for you to enjoy yourself now but maintain capital for your estate and/or quality aged care accommodation when the time comes.

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Latest insights

Let’s play a little game. Imagine waking up tomorrow to find you’ve won the Powerball. Not just a few thousand dollars—but millions. Your bank account is suddenly overflowing, and the world feels wide open. You could pay off your mortgage, travel the globe, help your family, maybe even quit your job. It’s exciting, right?
Australia’s largest company by market capitalisation on the ASX is CBA and with a P/E ratio of over 30 times, the CEO Matt Comyn has a hard job ahead of him to meet the lofty expectations of the investor masses and keep profitability growing at record levels, particularly when the closest banking competitors have P/E’s that are roughly half.