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Financial Strategies. 

Growth & Income, with safety & protection

"Of all the things that can have an effect on your future, I believe personal growth is the greatest. We can talk about sales growth, profit growth, asset growth, but all of this probably will not happen without personal growth. It’s really the open door to it all. In fact I’d like to have you memorize this most important phrase.... 'The major key to your better future is YOU' " Jim Rohn

The financial decisions you make, whether in your personal or business life, will largely determine the level of lifestyle, growth and enjoyment each of will experience as individuals. We all have a choice in our decisions - we can make them individually as and when they occur or we can have some direction and guidance to assist us in reaching the decision that will most likely help us get to our financial goals and also cater for the ups and downs in the cycles of life and business....

This is where a Financial Strategy can help...

Direction and guidance is an important part of your ability to build wealth and this is outlined in your investment strategy. Without a good investment property strategy, there is a high chance that you will not only fail to reach your potential, but will also suffer considerable hardship along the way.

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So why is it that so many people and businesses do not have even a simple financial plan, especially considering that plans are relatively inexpensive compared to the potential asset value being created, and opportunities lost, be it business or personal?

We work closely with our clients professional advisors including their accountants, solicitors and other stakeholders to ensure that the resultant strategy has the best opportunity of delivering its objectives so that your retirement plans and other financial plan can be achieved. Retirement planning is a complex business and can only be done on a personal basis - there is no "one size fits all" to this critical process, that will ensure your retire above the pension line. So when you are planning for retirement, be sure to seek professional assistance.

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A large and very important aspect of being able to plan and achieve our financial goals dependscash flow budgeting on our money management skills. We offer specific assistance to clients in cash flow budgeting and money management to provide them with every opportunity of reaching their goals in life. We have lots of useful financial tips we can offer you, from seeking the best strategy for you, to the details of what loan and risk protections is most appropriate.

We’re right here in Perth so, Call us today - we will help you explore and define your financial and lifestyle objectives, taking into account your current financial position and work with you to develop appropriate financial strategies. An ongoing relationship provides support and regular reviews, providing the very best financial service and ensuring you are in the best position to achieve your longer term financial goals. Always remember, there is often more than one financial solution to each individual situation, so it pays to ask your financial advisor for financial advice and guidance on all your finance options.

Investing Without Fear.

When it comes to property investing, most investors experience fear at some point or another. Helen Collier-Kogtevs reveals time-tested strategies to help overcome the initial jitters and mitigate the risks so you can invest with confidence.

Fear usually stems from concern about the unknown. In the case of the inexperienced investor, fear of the unknown may even result in novice investors not investing at all.

To overcome the fear of starting on your investment journey, getting an education from people who are investors themselves is the fastest way. Don’t discuss your fears with non-investors - go to those “in the know”. We all know that our friends and family mean well, but in your early days of investing, it can be beneficial to only share your plans with people who know and understand what you’re trying to achieve. The best investment advice you can get will come from unbiased professional whose interest is your success.

Investing Without Fear.

Risk is another word for fear. Below are some of the most common risks/fears that property investors experience and the strategies that can be applied to mitigate them:

Risk/Fear: of increasing your debt level and not being able to finance the repayments.

Bad debt is generally associated with high depreciating, non-income producing items such as cars, clothes or just having a good time. Good debt, on the other hand, is used to purchase income-producing assets such as investment properties. The income from these assets is used to pay the mortgage payments and expenses whilst the owner reaps the reward of the increasing capital growth in the value of the property. In short, depending on your financial strategies, the property may pay for itself!

A sound financial protection plan is a critical part of successfully planning for your financial future.

Risk/Fear: of supporting an investment property if you lose your job

Before getting into the investment market, you will need to decide whether you are considering a positive or negatively geared property. You will need to consider both positively geared property and negatively geared property.

Market Values Change.

When you make an investment in any area, the market value of your investment will change with time, usually in response to supply and demand parameters. This changing value is called "volatility", it represents risk and it must be matched to your risk profile so that you are at ease with your investment. In times of financial uncertainity these fluctuations in values can be quite sever, so a good well explained finance strategy is essential to your well being. If you are concerned, always call for a chat

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