Life Event:
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Mortgage Paid Off. We take you through the following steps to help you identify what areas are affected and what you need to consider. Making it: Determine how much surplus income is now available
Protecting it: Determine if you can reduce your life insurance cover and save money
We use your Income Plan to free up surplus funds to achieve your goal.
We use your Risk Plan to protect the things that are important to you.
Your income plan determines strategies to improve your cash flow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.
Your risk plan looks at what could go wrong in your financial circumstances and seeks to identify and where possible mitigate these risks. Some of the ways these risks can be managed are through implementing life insurance, recommending appropriate investments and possibly fixing interest rates.
Growing it: Explore investment options for surplus funds We use your Investment Plan to explore your investment options and empower you to choose what’s best for you. Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.
Leveraging it: Evaluate re-borrowing for investment purposes We use your Debt Plan to eliminate your mortgage and create wealth. Your debt plan analysis your current debt structure, determines mortgage reduction strategies and explores how debt can be used to build your wealth.
“ In between goals is a thing called life, that has to be lived and enjoyed.” — Sid Caeser
Enjoying it: Evaluate salary sacrifice for retirement wealth creation We use your Retirement Plan to help you achieve your ideal retirement. Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you require.
