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.

Request an appointment for Cashflow Advice

Latest insights

You’re retired and you’ve set yourself up well financially. You have no debt, no job to lose, no (or little) taxable income, no kids eating your fridge out and ready access to capital. You’re the envy of every financially stressed 40 year old with years of pressure head of them; possibly your own children. You wonder how you can help but you don’t want to just hand over cash without a purpose, and you also don’t want to create dependency or expectations.
One of the biggest concerns facing Australians approaching retirement is the fear of running out of money. Financial experts have even coined a term for it: FORO (Fear of Running Out). While this anxiety is understandable, research suggests that many retirees may be more financially secure than they realise. By understanding the factors that influence retirement income and longevity, Australians can make more informed decisions and enjoy their retirement with greater confidence.