When we help
Planning for Every Chapter
At Professional Money Management, no matter what stage of life you’re at, your goals are personal and so is our approach. Whether you are just getting started, building your wealth, preparing for retirement or enjoying life after work, we want to help you reach your potential. It is never too late to start your journey.
Get started and set your family up for success
Whether you are starting your first job, buying your first home, starting a family or saving for something special, taking time to think about your financial goals now can make a big difference in the future. We want to help give you the best start to your financial journey.
How we can help:
- Set-up a budget to manage your cashflow
- Review your insurance arrangements and provide recommendations for you and/or your growing family
- Identify strategies to reduce or manage liabilities responsibly
- Identify investment strategies to help you save for long term goals like your children’s education, travel plans or a home deposit
- Review your financial position to identify potential tax efficiencies
- Make recommendations about your super arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions
- Help you understand the importance of a Will and estate planning to ensure your assets are protected and distributed as per your wishes
- Work with you to make informed decisions about any inheritance, proceeds, or other one-off funds received
Build wealth and pursue your goals
Retirement may feel far away, but the steps you take now can make a real difference. Together, we can create a financial plan that supports both the life you’re living today and the future you’re planning for.
How we can help:
- Set-up a budget to manage your cashflow
- Review your insurance arrangements and provide recommendations
- Identify investment strategies to help you grow your wealth, support your goals, and safeguard your future
- Identify strategies to reduce or manage liabilities responsibly
- Make recommendations about your super arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions
- Review your financial position to identify potential tax efficiencies
- Help you understand the importance of Will’s and estate planning to ensure your assets are protected and distributed as per your wishes
- Succession planning recommendations for your business
- Dealing with a redundancy
- Work with you to make informed decisions about any inheritance, proceeds, or other one-off funds received
Prepare for retirement and beyond
As retirement draws near, you might be imagining the adventures ahead or thinking about the legacy you want to leave. Planning today, while you’re still working, can give you confidence and peace of mind for the future.
How we can help:
- Identify your retirement goals
- Review your income and cashflow requirements
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Review your financial position to identify potential tax efficiencies
- Put plans in place to make your money last in retirement
- Review government entitlements and determine when you can apply for the age pension
- Review your estate plan
- Succession planning recommendations for your business
- Dealing with a redundancy
- Work with you to make informed decisions about any inheritance, proceeds, or other one-off funds received
Make the most of retirement
You are enjoying life after work and all the opportunities that this exciting time in your life presents. At this time in your life you want to know you are going to have the finances to support your adventures and perhaps even leave a legacy so you can share your wealth now and in the future.
How we can help:
- Identify how long your money will last by looking at your income and assets and how they are structured
- Identify strategies to support your lifestyle goals
- Identify if your finances are structured to increase government benefits and review eligibility
- Look at ways to reduce any tax you pay in retirement
- Recommend superannuation income stream strategies including annuities and pensions
- Review your estate plan
- Advise on aged care financial strategies
- Work with you to make informed decisions about any inheritance, proceeds, or other one-off funds received
