• Financial planning professionals
  • Peace of mind through understanding
  • Helping people make smart choices about their money

How We Can Help

Strategic Planning

At Financial Linx, we take Strategic Planning to a new level. Not only do we continually review all of the various elements of your finances to ensure you are achieving the maximum benefit from your income and assets, we actively track your wealth against previously identified targets.

Whilst many others are bogged down in everyday business matters or items that don't create value back to their clients, at Financial Linx we have created efficiencies that allow us to concentrate on what matters and adds the most value.

Primarily, we will identify what is important to you and then help you 'make smart decisions' about how to achieve your objectives.

Wealth Management

As part of our consulting process we undertake an assessment of your position in relation to your business and investment wealth. Managing your 'core' wealth is not about picking winners, rather it is the process of maximising certainty of outcome.

The overwhelming evidence - worldwide - is that a very small number of brokers and active fund managers can add value over relatively short periods of time. Choosing which ones are going to deliver consistent above average returns is a difficult challenge.

Moreover, the fee and tax consequences of moving between managers and assets usually ends up with the investor receiving little or no extra return.

Our Structured Asset Class approach consistently delivers above the traditional benchmarks with less risk. Achieving these outcomes requires discipline and a commitment to holding quality assets for the long haul.

Our Structured Asset Class strategy helps bring a sense of direction to an otherwise chaotic investment world.

Superannuation and Retirement Planning

Planning for retirement is one of life's most important financial considerations. After all, the actions taken today will determine how comfortable life will be in the future.

Superannuation is perhaps the most popular way to save for retirement. Put simply, contributing to super will allow you to put aside money during your working life to use when you retire. With recent Government reforms to super, it's now one of the most tax-effective long-term retirement savings vehicles available.

There are many strategies available to help you maximise your retirement saving through superannuation. Whatever your plans for retirement, we can help you decide on the most appropriate strategy to make your plans for retirement become a reality.

Contributing to a superannuation fund is one of the best ways to accumulate wealth for your retirement.

We can help you work out how much money you need to retire on to maintain your desired lifestyle and how you can go about achieving that goal.

Estate Planning

Transfer of wealth from one generation to another is fraught with obstacles, both financial and emotional.

Good estate planning involves:

  • Consideration of your personal goals and objectives.
  • Convenience for your loved ones at their time of loss.
  • Puts control in the hands of the most competent people.
  • Minimizing estate taxes.
  • Maximizing returns to your desired beneficiaries.
  • Puts the right assets in the hands of the right people in a timely manner.
  • Adopts the simplest structure possible, knowing that simplicity is not always achievable.

Risk/Insurance Planning

Family protection involves putting in place the most appropriate arrangements to protect you and your family from the risk of injury, illness, incapacity and death. It's about transferring the personal risk's that we cannot afford to take to a third party.

Most Australians will insure their car but neglect to insure their most valuable asset - themselves. In fact, many people do not even have sufficient cover to ensure their home loan is paid out in the event of their death, let alone provide a lump sum to their families to provide for their future.

Ask yourself the following questions:

  • What would happen if you became ill or injured and your income stopped today?
  • Would you and your family have adequate income to meet the repayments on your debts?
  • If you have a family, what monthly income would you require to meet the bills?
  • Would you and your family still want to maintain your current lifestyle?
  • Would this be possible?
  • How long could you survive on your existing assets?

Cash Flow Management

The ability to meet or get close to your objective is dependent on the management of your income and cash flow. Most have best intentions to save for the future. However, the majority fail.

At Financial Linx we assist you in establishing a system that will help you capture surplus cash flow and manage your money to help you reach your goals and objectives. We provide accountability to help keep you on track to reaching your financial goals.

Money causes stress and by understanding where money flows and how it impacts on achieving your future desires helps provide peace of mind.

Tax Planning

Long term tax planning impacts as much on wealth creation as investment planning. We can provide planning through the various stages of life to supplement the year to year tax planning provided by your accountant.

We can work with your Accountant to ensure that the tax advice that they provide to you is incorporated into the financial planning process.