Getting your cash flow right is essential.
You’re never going to achieve your goals if you can’t manage your money. We help people take control of their money by bringing structure, accountability and clarity to what you spend, and increasing your savings.
For more than seven years, we’ve been helping clients adopt the Verse Smart Money Program. It’s our unique yet simple approach to automating your expenses and savings, so that both are predictable month-in & month-out. It also helps you manage transition periods such as reduced incomes during maternity leave, starting a business or taking a career break.
If you’ve never felt in control of your day-to-day money, or perhaps want to feel like you’re doing your money ‘together’ with your partner, we’ll help you move this part of your finances a strength - because your cash flow is the foundation of your financial life.
Meet Angela & Patrick
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FAQs
While the industry has been treating people like walking wallets, we’ve recreated and redefined financial advice - we call it financial life management. It’s based on the understanding that your life and finances are inseparable, and money is just a resource to give you choices and help you live the life you want.
Yes. It can be hard to understand what impact your choices, strategies and investments will have on future goals and intentions. We use market-leading financial modeling to help you understand if you're on track, and give you context for important decisions.
Forget the one-size-fits-all headlines. How much you need depends on the age you retire, the cost of your lifestyle, the investments you're comfortable with, and the kind of inheritance you’d like to leave.
When you retire after reaching your preservation age (60 for most people), or at age 65 regardless of employment status.
Transition-to-retirement (TTR) legislation allows Australians who’ve reached preservation age but are still working to access their super by drawing a regular income stream. This is generally a strategy to facilitate a reduction in working hours in the years leading up to retirement, but can also be used as a tax strategy to create the cash flow needed to make tax-deductible contributions to super.
It depends on your goals and circumstances. What's best may be one or a combination of those strategies. Making super contributions often creates a better financial outcome due to the tax deductions available, however, what’s optimal varies based on income levels, interest rates, proximity to retirement and the emotions associated with debt and share markets.
You can access the Age Pension at 67. As of March 2025, the maximum fortnightly rates are $1,149 ($29,874/year) for singles, and $1,732 ($45,037/year) for couples. Eligibility and payment rates depend on income and assets tests. Your principal place of residence is exempt from the asset test, however, owning a home affects the asset test thresholds.
Yes. It can be hard to understand what impact your choices, strategies and investments will have on goals and financial future. We use market-leading financial modeling to help you understand if you’re on track, and give you context for important decisions along the way.
One-off financial advice fees are generally deductible to the extent that they relate to tax advice. Ongoing financial advice fees are generally deductible to the extent that relate to producing assessable income. Before claiming a deduction, we recommend sharing your Summary of Advice, invoices, and our estimate on what may be deductible to you with your qualified accountant.
