Client
Focus

Chances are you’ve devoted a large proportion of your life to building your own success. Despite the long hours and the huge amount of energy and toil you’ve put in, in all likelihood you’ve enjoyed it, so much so that it probably feels like your work is a fundamental part of who you are.

When the time comes to think about stepping away from the day-to-day and doing something for yourself, it’s hard to know where to start.  You’re probably asking, “How do I do it” and “What will I do next?”

Conversations with us can be a great way to come to terms with a range of contradictory feelings and create some real clarity. We often ask:

• What does working less look like to you and your partner?
• Are your finances in a position to make this a reality?
• Do you have any time or financial commitments which could work against you?
• Are you fearful that the work won’t happen if you’re not on-site every day?
• If you’re an executive, how could your role change? Could you work part-time or consult in your area of expertise?

We can work with you to develop a strategy that lets you control the transition from full-time work to a more balanced life where your needs and those of your family play a bigger part.

A life outside of work that’s not just indulgent but which is energising and personally fulfilling, can depend on the choices you make. And while financial success gives you a far greater range of choices, channelling your energies into a passion is a way to set yourself up for a rewarding life when you finally decide to step away from work.

We call this ‘activating your wealth’. The first steps may include:

• Assessing your cashflow and plugging the gaps in your expenses
• Reviewing your assets to ensure they still serve a purpose and generate an income
• Providing options to manage your current level of debt

By first understanding what you believe are the greatest (and sometimes simplest) pleasures in life, what helps you unwind, and who you most like to spend your time with, we can help you develop a plan that focuses on the outcomes you desire. Providing the opportunity for the rich life experiences that will be remembered forever.

‘What should I invest in? Should I focus on shares or property? Should I look further afield?’ 

The answers to these questions are not so simple and will depend on why you’re investing, how long for, and most importantly, what you want to achieve with the money earned.

When clients come to us for investment advice, we start the conversation by discussing their current and potential income sources, their desired outcomes and what money really means to them.

By focusing on what’s most important to you, we can provide you with an appropriate investment strategy best matched to your needs. 

Understanding and making the right investment choices today will give you the comfort that your money is working as hard as it can be for your future.  And the best time to start is now.

For many successful people, it’s not so much the fear of the unexpected – sudden injury, illness or a life cut short – that keeps them awake at night. It’s the fear that they may not have everything in place to support those they care about.

How would your family cope financially? Would they have to sell the house?  Could your children’s school fees be paid? Discussing questions like these is critical.

By fully understanding you, we’re able to offer you practical recommendations which may include a review of estate planning documents such as your Will and Power of Attorney, as well as life insurances to ensure your family is taken care of if life changes dramatically.

The Australian attitude of ‘She’ll be right’ is an admirable one in some situations. In reality, it’s far better to have the confidence that if something was to happen to you, all your debts could be paid out, your kids’ school fees are paid, or the annual holiday could continue.

‘How much is enough?’ isn’t an easy question to answer. But if you have a clear idea of what you want to achieve short and long term, you’ll get closer to an answer that can help you develop a strategy for the future. When you have a financial strategy in place that will enable you to retire when you want to, rather than when you can afford to, you’ll gain a real sense of satisfaction and confidence. 

How do we get the ball rolling? Through conversations such as:

• What does ‘a life well lived’ look like for you?
• Is retirement something you really want to do? Or is it your priority to have more choice around the work you do?
• Do you want to give up working altogether? If you love what you do, it’s hardly work!
• Who are the people in your life that you value most and what do you want to do for them?

We can help by looking at your financial situation now and determining the options available to start building the funds required to meet your objectives.  It’s never too early or too late to start planning for the life you aspire to.