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We’ll guide your decisions about what debt to take on and create a strategy to pay it down.
We’ll work closely with your mortgage broker to ensure you debts are always well structured and you’re not paying more interest than you should.
It means answering questions like, how much debt should I take on? How should I balance debt repayment with investing? Can I structure my debts more tax effectively? Are the interest rates as sharp as they could be?
We’ve also got an in-house mortgage broking service to streamline your debt advice, with your financial advice to save you time, effort and execute on your strategy. Getting the professionals in your financial life talking, and collaborating makes your life easy, and improves your results.
Meet James & Jeff
Results:
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.
There are many ways to manage tax wisely. These include making tax-effective super contributions, debt recycling, managing capital gains tax tactically, and utilising tax-efficient investment vehicles such as super, family trusts, or investment bonds. We find that almost all clients can do things more tax effectively with strategic planning.
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 sharemarkets.
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.
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.
