Wealth Creation

Wealth creation involves building a robust investment portfolio that balances rewards with risk.

Traditionally we think of saving for a home and then concentrating our efforts on paying the mortgage off as soon as possible. Whilst this is one of the options available, diversification and flexibility is really important to also cater for situations that are out of our control.

Cashflow and debt management

Managing your cashflow and careful consideration of managing or how you spend your money. Nothing will have a greater impact on your wealth than the carefully considered management of funds in and out of your accounts. Cashflow is the cornerstone of financial planning, careful management of this will have a great impact on your wealth and financial independence and enhance your ability to reduce debt and your ability to build wealth.

We can help you gain a better understanding of what your financial future may look like, which puts the power in your hands. Many strategies have a financial component that impacts on investment decisions.

Wealth Strategy

Investment Strategies

Your personal strategies are designed around structuring, tax effectiveness and managing future uncertainty. There are a number of ways that you can build your investments:

• Superannuation
• Investment portfolio

Superannuation

Superannuation will be a large proportion of your investment savings that is aimed at providing you with a lump sum or an income when you retire. Your employer must pay a percentage of your salary that is investing into your superannuation account. You can also make additional contributions personally.

When considering or reviewing your superannuation we suggest considering:

• The investment options available
• The fees in the account
• The insurance benefits
• Structure and features

Investment portfolio

Outside of the family home and superannuation, the other way to build wealth is through investments.

You can build wealth in a number of ways:

• Setting up a regular savings plan
• Investing a lumpsum

How you invest your money is important as it impacts the risk and returns over time. We believe a well diversified and well researched portfolio along with investment management methodology is important and should lead to better decision making, and hence better investment outcomes over time.