Game of Money®

Where are you now?

1ST BASE

Setting thePERFECT Foundations

At First base we help our clients build PERFECT Foundations. People who are on first base are typically saving for house, protecting their incomes and making sure their superannuation is in the best position possible for long term growth. Often people at first base are starting up or starting over

The word PERFECT is an acronym we use to build PERFECT foundations. Each letter stands for the following:

‘P’ stands for Protect your Family

with life insurance, total and permanent disability insurance, income protection insurance, trauma insurance, Business insurance, Professional Indemnity Insurance, Buy Sell insurance, Motor vehicle insurance and home and contents insurance. We help get the cover in place to protect the most important things in life, you and the people you care about. Which gives you the peace of mind so you can focus on enjoying life.

‘E’ stands for Estate Plans in order

Quite simply estate planning is all about getting the right people and money in the right hands at the right time according to your wishes. For example, do you have a legal will that reflects your current intentions and has guardians appointed for your children? Do you have an enduring power of attorney to cater for unforeseen circumstances.mation that will interest site visitors. For example if you are using tabs to show different services write about what makes this service unique. If you are using tabs to display restaurant items write about what makes a specific dish particularly worthwhile or delicious.

‘R’ stands for Really Smart Super

Is your super the best it can be? Did you know that the potential difference between a super balance invested moderately versus a super balance invested in high gross assets over a 30 year period can be in excess of 1 million dollars? Its worthwhile taking the time to understand what this could mean for you.

‘F’ stands for Foundation support service and team.

Apart from implementing smart and strategic advice that benefits you financially, the most important service we provide is our relationship and ongoing service, which means a trusted reliable professional you can call when you need to.

‘E’ stands for Effective Debt Management

Are you getting the best interest rates possible on your home loan, investment loans and business loans? Are you looking to consolidate, restructure or reduce bad debt? We can help you look at the best options to suit your needs.

‘C’ stands for Cash Flow Under Control.

Quite simply having the cashflow available you need to be able to invest and build a financial future, means you need to spend less than you earn. We can help you structure your cashflow in a systematic way to invest that is an automatic process.

‘T’ stands for Tax Under Control

This is a great opportunity for a round table discussion, together with your tax accountant to see how we can best structure your tax situation and strategically maximise your tax position overall.

2ND BASE

Pathway to Wealth®

Moving to second base is a wealth creation plan we call Pathway to Wealth®, this program is for people who are looking to accelerate their wealth through various strategies such as investments, superannuation, maximise cashflow, tax planning etc.

Learn more

Some key measures that identify clients willing to take the Pathway to Wealth journey and advance themselves in the Game of Money are:

People who are committed to achieving financial success over the long term, and don’t believe in get quick rich schemes or something for nothing.

People who are home owners who have built up some equity and are not sure what to do next.

People who have the potential to save more than $300 a week to invest in assets for the future.

People who are aged between 28 and 50 and who have more than 10 years until retirement.

Pathway to Wealth® Strategies

At second base in the Game of Money the Pathway to Wealth program involves some of the following wealth creation strategies

SMART

Cashflow

We look at ways to be smart with your cashflow and maximise opportunities where available. A combination of strategies in the Pathway to Wealth program helps you to be smart around tax planning, and we look to maximise those opportunities available to you.

Challenge

your thinking

We ask you an unusual question which is - If you were retired right now how much income after tax would you need coming in each year to pay for your lifestyle? We ask you this question to get you thinking about your financial future and about the investment assets you need working for you instead of you working to bring in an income.

Debt

Reduction

We look at debt reduction strategies and focus on helping you pay off your home loan as soon as possible. We understand that home ownership is a key goal for many Australian families and we can certainly help you achieve that goa

Superannuation

We look to accelerate the growth of your super, therefore, creating a nest egg in a low tax environment.

Investment

Property

We may consider an investment property if appropriate as a part of your overall strategy. This provides long term asset growth and potentially some tax benefits.

Share

Portfolios

We may consider building a professionally managed share portfolio outside of superannuation, if appropriate as a part of your overall strategy.

3rd BASE

Countdown to Retirement

After successfully completing the Pathway to Wealth® program we move onto 3rd base, Countdown to Retirement. We examine all wealth creation and preservation strategies. Review and refocus all your goals and ensure its on target.

4th BASE - HOME

Retire in Style

Homebase is for those that are ready to Retire in Style. Understanding your goals, ensure your estate plans are clear, review how long your money will last, maximise income streams and possibly use the CARE Investment philosophy to reduce risk in retirement.