Wealth Effect

Get your house in order

Getting in your house in order starts with a plan. First, we need to get the foundation right and get a clear understanding of your family budget. We need to get you in the driver’s seat and in control. Like finding out where all your hard-earned money is actually going. Then, we work out a game plan to get you in a position where you can afford to buy that new car or shoot off for that holiday with the family.

Tackle those family changes

Starting a family. It’s a bridge we all reach at some point in our lives. From a financial perspective, the thought of losing an income and covering those extra expenses can be a tad daunting. Well, we’ve been there – We have a young family of three. We know the challenges. We preach what we practice, you could say.

Buy the dream home

There’s good reason why they say buying a home’s one of life’s biggest decisions. Particularly when it comes to finding a place to raise your family. It’s not just about grabbing the best home-loan deal. It’s all about finding the right debt strategy. Get the purchase structure right, and you’ll find you can actually buy more for your money – nicer suburb, more space, you get the picture.

Getting a head start on retirement

Planning for retirement’s a long game. To ensure you can do everything you want when you call time on your career, it’s a case of getting in early, even if you feel like you’ve left it a bit late. For us, it’s a case of working out the amount of retirement income you’ll need to support those endless trips to the golf course and family dinner parties and, from there, working backwards to find the right strategy.

Free up cash to treat yourself

Because you need to every once in a while. And it mightn’t be keeping up with the Joneses and buying that über-sporty, new Mercedes. It might simply be freeing yourself up to spend more time with the kids, like starting your own business so you can claw back a bit of work-life balance. Once you’ve taken control of your finances, it really is about making your money work for you and having the enough in the kitty to do what you want.

Give the kids a proper head start

It can be hard not to worry about not having enough to send your kids to the right school. Education can be expensive – let’s face it. Here, having a rock-solid strategy around squirrelling away enough money to send them to the school you want is everything. Same goes for looking further ahead and, without wanting to wish the years away, ensuring you’ve got those law and medicine degrees covered when the time comes.

Protect what you've built

You never know what’s around the corner. That we know. It’s all about planning for rainy days. Touch wood. Better to have a safety net and not need it, than the other way around. While there are endless policies out there, it’s all about tailoring the right one specific to your unique circumstances. That way, you’re not paying for cover you don’t need. With the benefit of experience, it’s all about knowing what to look for in a product.

Pay the mortgage right down

The last thing you want is to feel like your mortgage is holding you back, stopping you from focusing on those more important things in life. Structuring your finances and debt are a great place to start, particularly if you’re constantly just making the minimum payments. Here, our focus is on saving you money on your repayments and, ultimately, helping you pay down your mortgage faster, so you can own your home outright sooner rather than later.

Keep everything ticking along nicely

Once you’ve well and truly laid the foundation, so to speak, it’s all about growing what you have. In other words, keeping it all ticking along. Again, it’s about making best with the money you have. You don’t have to be an expert when it comes to investment, either. It’s a case of simply finding the right investment strategy that’s going to suit your particular circumstances and, importantly, what you truly want in life.