Emma & Roland - Brisbane

Emma and Roland's financial journey is a testament to the power of proactive financial planning. They faced challenges, including inexperience in complex strategies and low financial security. However, they seized opportunities like high property equity and a proactive mindset. With our guidance, they refinanced, built a portfolio, and optimized their finances. The result: improved work-life balance, financial security, and a headstart on early retirement. Their story shows that proactive planning can turn challenges into opportunities and lead to financial success.

Emma & Roland - Brisbane

Emma and Roland's financial journey is a testament to the power of proactive financial planning. They faced challenges, including inexperience in complex strategies and low financial security. However, they seized opportunities like high property equity and a proactive mindset. With our guidance, they refinanced, built a portfolio, and optimized their finances. The result: improved work-life balance, financial security, and a headstart on early retirement. Their story shows that proactive planning can turn challenges into opportunities and lead to financial success.

THEIR CHALLENGES

Lack of Financial Knowhow and understanding
No time to execute
High taxes
Lack of clarity
No long-term plan
Inadequate Insurance coverage

OVERVIEW

Situation

Emma & Roland

Age

27 Salary

$165k

House (PPR)

$950k

Existing Investments

$0

Super

$35k

Children

0 Insurance

Insurance

No Insurance in place

Field/Occupation

Supervisor

Debt/Liabilities

Mortgage $760k

Savings Per Year

$35k

Cash Savings

$136k

GOALS

Finding the balancing act between the conservative (easy) and aggressive (hard) path
Diversify income & passive income from investments
Review Insurance needs
Start a Family
Start to Invest
Higher return than savings cash account
Review Super platforms and investments
Utilize PPR value growth

Finding the balancing act between the conservative (easy) and aggressive (hard) path
Diversify income & passive income from investments
Review Insurance needs
Start a Family
Start to Invest
Higher return than savings cash account
Review Super platforms and investments
Utilize PPR value growth

OPPORTUNITIES AVAILABLE

High property equity
Good incomes & saving abilities
Proactive approach
Take advantage of long term time horizons
Get insurance in place while you’re young and healthy
Supportive family who want to assist with finances

OPPORTUNITIES AVAILABLE

SOLUTIONS

Cashflow Management Strategy
Refinance Home Loan
Build property portfolio
Proactive strategies to reduce tax
Take advantage of good debt & Borrowing capacity
Super Review
Comprehensive protection plan for future family
Start a diversified portfolio for passive income

OUTCOMES

Ability to improve work life balance
Peace of mind about long term strategies
Headstart to increase likelihood of early retirement
Put themselves in the best position to have optionality within their family (private schooling, house upgrade, etc)
Confidence that the family is protected
Change trajectory from the default ‘do nothing’ approach to exceptional and proactive measures
Use family to provide guarantor