Your finances shouldn’t work in isolation – use your super, tax, savings and investments to create a game plan for wealth creation
If you want to get in control of your money goals, it’s time to optimise your finances. By understanding what you’re spending your money on and getting a handle on your savings, investments, loans, tax and super, you can find ways to make your hard-earned dollars work even harder.
This is what we live for! We want to help you put a plan in place that puts you in the driver’s seat when it comes to your finances.
Now is the time to take the wheel.
Do you want to buy your first home? Have you racked up some credit card debt? Don’t know where your pay goes every month? Whatever your current financial situation, with the right help you can get those cogs turning together
You’ve started thinking about how to make your money work harder – great stuff! Now, you just need a plan. Things like a budget, a savings goal and a timeline could be on the agenda. By deciding what you want, you’ll be able to figure out what’s possible
We’re experts at getting all your financial goals on the same wavelength. With our help, you’ll have the momentum you need to achieve your financial goals!
Get someone who can do the heavy lifting & help bring it to life
(and doesn’t break your bank whilst doing that)
Every financial decision you make could take your life down a different path. So we’ll show you what different options mean, and create your financial roadmap to make sure you don’t get lost along the way
We’ll help you work out how much and where to invest, so you make the most from your tax entitlements while building your portfolio
Your income is one of the most valuable things in your life. Whether you’re on a professional salary, self-employed or juggling multiple gigs, we’ll help you make the most of it
Our income & expenses app MyProsperity makes it super simple to see where your money is going, and make sure you’re on track with your goals
This could be the difference between having a home to call your own, or renting forever. We’ll also help you work through price point, suburb selection and any grants & schemes you’re eligible for
Plans are what make dreams possible. Our mortgage brokers will help you work through how much you can borrow, the deposit you need and which bank is right for your situation
Start with just a few $100 a month in an investment fund and with the right risk and return trade-off, you could be on your way to a $50,000 share portfolio
It’s everyone’s dream come true, an investment tool that straightens out your retirement and saves you tax too. We’ll help you take advantage of it – after all, it’s called super for a good reason
Life is unpredictable, so you need a safety net in the form of savings and insurance. You can always rest easier with a Plan B in place
Yes, we can even help with your loan application – whether it’s your first home or an investment property. Our mortgage brokers will work to find solutions that with your financial plan
See why we’ve been awarded Independent Financial Advisors’ Innovator of the Year.
A fantastic, trustworthy, supportive service that has helped me to sort my money goals. I feel a lot safer now when it comes to my money – when it comes to looking after myself and my daughter that is a really important element for me.
So much clarity. Money mostly seems like a sensitive topic and other companies pushed me back as “too young” to take on as a client. Finnacle changed that. The peace of mind from a plan unique to my lifestyle is honestly a gamechanger.
Working with Dan and Finnacle has been great. It’s nice that they’ve taken time to create that level of trust, which we really wanted when it came to our money. The online platform is easy to use and the flexibiltiy to meet up at any time is invaluable.
This testimonial was given by our customers. They are individual experiences of our customer that has used our service. However, they are individual results and results and outcomes may vary. We do not claim they are typical results that consumers will generally achieve. (Broker name/ business) cannot and does not guarantee results. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Kick off your no-obligation trial today – book your 15 minute discovery call
Insurances are used to cover yourself against negative incidents (such as illness, natural disasters, loss of income and even loss of life). By paying an insurance company an annual (or monthly) premium they will guarantee you a payment/s or other benefits if one of the above events occur.
The answer to these questions will depend on your specific goals, preferences and time frames. While paying off your home loan is a great long term wealth builder and a ‘pre-requisite’ for a comfortable retirement, adding extra to super can be tax-effective and the earlier this is done the more time you have for the power of compounding to work its magic!
To access your super you generally need to meet two requirements – reach a certain age (known in super speak as your ‘preservation age’) and have retired (however from 65 onwards you get full access even if you are still working). For most people the earliest they can get access to their super is 60. There are other ‘conditions of release’, such as death, permanent disablement, financial hardship and compassionate grounds, where your super can be accessed if you meet any of these criteria. You can also access insurance benefits within your superannuation if you meet the criteria of these as well.
More recently the government has allowed 1 st Home Buyers to contribute extra to their super fund and access this to purchase a home. There are a number of conditions attached to this so do your homework or get advice on what is the best strategy for you.
Superannuation (or super for short) was set up by the Keating government to help fund Aussie’s retirements. It isn’t an investment itself, it is more of a vehicle that you can invest in to grow your money over time. There are very generous tax concessions for those who contribute to super and for when you retire and access your money, and your employer (unless you are self-employed) must contribute at least 9.5% of your salary to your chosen super fund (this will increase to 12% over the coming years).
You are able to invest your superannuation in a way you see fit, however, different funds will have different options for you so it is important to choose the right fund. You can invest aggressively, moderately or conservatively, with many super funds offering investments in shares, property, term deposits and some even offering commodities & currencies.
