Financial Lifecycle
We support you through all phases of your Financial Lifecycle
Studying
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You are juggling part-time work, study, exams, becoming an adult and of course student debt.
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At the same time, you are supposed to be having fun, right?
Introducing Finance
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Your new payslip provides a passport to debt.
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Consumer credit and finance can get messy, quickly.
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Credit cards, store cards, payday loans, buy-now pay-later, car loans.
Career Progression & Starting Your Own Business
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Promotions, pay rises, company cars, employee share schemes.
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Surplus Income.
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Starting a business.
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Building your network of advisors and supports.
Starting A Family
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Unexpected fertility treatment costs.
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Maternity & paternity leave.
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Child-care costs.
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Quickly, your family grows.
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You need a bigger house, bigger cars, a backyard.
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Asset and income protection become a necessity.
Retirement Planning
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Maximising superannuation contributions.
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Children's higher-education costs.
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Consolidation of existing liabilities and debts to simplify finances.
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Reviewing insurance needs.
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The inevitable question: how much money do I need to retire?
First Job
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You have graduated, sat through the interviews and landed your dream job. Now what?
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Tax deductions, health insurance, superannuation, savings.
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Plus, you may want to also continue your studies.
Partnering Up
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You meet someone special.
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Two financial lives become one.
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Joint leases, bank accounts, debts.
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Protection in break-ups.
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Engagement, wedding, honeymoon costs.
First Home
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How to save for a deposit and what is your budget?
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Government Assistance Schemes.
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The buying-process.
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Pre-approval, variable & fixed loans, offset accounts, interest-only, principle and interest.
Career and Business Growth
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More responsibilities in your job. You have less time for life-admin.
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You rely more on professionals for advice and support.
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You are able to pay down your debts.
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Tax becomes a bigger issue as your income grows. Tax-minimisation and wealth creation through investment properties and asset structuring.
Retirement & Ageing Well
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The bank of mum & dad.
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Housing, relocation, down-sizing.
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Increased health and maintenance costs.
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Changes to the risk-profile of your investments.
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Your financial legacy. Your wills, powers of attorney, advanced medical directives, testamentary trusts & funeral costs.