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Our Financial Planning Process


above diagram outlines the basic steps that make up our Financial Planning Process.

It is important to understand that you are in control during the entire process. You can decide to stop, or change the process at any time. Our job as Financial Advisers is to advise, help and guide you along the way.

Case Studies 

How we helped Peter and Joan


Peter and Joan were four years off Retirement when they first came to see us. They had low balances in their Super, three properties and were in significant debt, plus they had just received a large inheritance. Our advice helped them with the following: which properties to hold or divest, which of their debts to clear, plan to contribute funds to boost their super, an investment portfolio, plus a plan to create an income stream to fund their dreams of travelling 6 months of the year in their Retirement. They are now almost ready to retire and are thrilled that their diversified nest egg is very well positioned to give them the lifestyle they had only ever dreamed about. They are loving the freedom of being able to choose when to retire as they can now afford to start their travelling whenever they are ready.

How we helped Sandra and Richie


When Sandra and Richie first came to see us, they had just bought a new home and with that came a very large debt and they were expecting their first child.  Our advice included an insurance review, providing them with appropriate cover ( Death, TDP and Income Protection), to ensure their debt was paid off and their family taken care of, if the worst should ever happen.  We were able to provide, with the best cover at the least cost by reducing all commission on the recommended insurance products to zero.  Now they are enjoying their new home and their new little baby boy.

How we helped Grace


When we first met Grace, she had decided that she wanted to move into an Aged Care Residency, before it was forced upon her due to ill health.  She had savings of $5000 as well as her Family Home.  She had already chosen a lovely aged care residence with a $1 million RAD (Refundable Accommodation Deposit) Our advice provided numerous recommendations such as selling the family home, aged care fees. Pension entitlements, reviewing the residency agreement, downsizer contributions to superannuation, creation of an income stream, estate planning and negotiation with her new residence.  Grace felt supported every step of the way and is now happily residing in her lovely new room, enjoying the income stream from her account  pensions as well as her Centrelink.

How we helped Simon


When we first met Simon, he had suffered a significant workplace injury which had resulted in both physical and mental disability, making him unable to work again. This completely changed both his and his wife’s lives.  His ongoing compensation and lump sum payout had to be enough to cover his immediate and ongoing expenses, with a long term view to the compensation payments stopping at his Pension age.  Our Financial plan included maximising contributions to superannuation for both Simon and his wife, setting up account based pensions, applying for carers payment, reviewing insurance and estate planning, and setting up cash reserves to meet their ongoing expenses.  Simon is now enjoying a decent quality of life which includes some carefully planned holidays

Do you need financial advice?

If you could achieve your financial goals by simply putting money away in the bank, you wouldn’t need a financial plan. Unfortunately, life is a little more If you could achieve your Financial goals by simply putting money away in the Bank, you wouldn’t need a Financial plan. Unfortunately, life is a little more complex. It’s hard to understand the intricacies of Investment, Superannuation, Taxation and ever-changing regulations, so it is best to seek Professional help. Many of us resist seeking advice, as if our Financial future wasn’t as important as our own health, or our Children’s Education.  We often decide to manage our Financial affairs ourselves, or leave it to Someone we know, perhaps an Accountant or a Solicitor, yet they are not experts in this field. Financial Planning is a Specialist Profession and you should make sure that you’re getting advice from a properly qualified Professional.

There are several situations and life stages where you might find a Financial Planner useful.
You may need assistance with your savings goals if you’re saving for something like a house deposit, wedding or even a baby. A Planner will look at your lifestyle, budget and end goal to see where you can make adjustments to meet your savings goals.

If you’re looking to invest, a Financial Planner can create a plan and provide ongoing support with the management and planning of those investments.

You may be interested in protecting your lifestyle or assets. A Financial Planner can help formulate an insurance strategy to suit your needs and budget.

Financial Planners can also plan for your retirement as well as show you how to pay off your home loan sooner. They can even refer you to experts in matters such as preparing a will, and reducing any debt.

When is the best time to see a financial adviser?

Anytime!  We can help you when just starting out, all the way through your life journey, including aged care.

What types of Clients have you assisted?

Since 2004, we have worked with a wide range of People in various roles and occupations as well as different life stages. From tradies to professionals, to retirees on Centrelink and everyone in between.

What does it cost to get started?

We firmly believe that you shouldn’t need to be wealthy to get good Financial advice. You can call us for a chat to discuss your requirements at no charge. We also offer the initial consultation at no cost (and no obligation) to allow us to get to know each other and to fully understand your needs and goals. At this appointment we will provide you with a letter of engagement, fully disclosing all costs going forward.

Proud Sponsors of the Count Charitable Foundation

Wealth Assist Financial Services Pty Ltd ABN 67108434377 (trading as Wealth Assist Financial) is an Authorised Representative of Count Financial Ltd ABN 19 001 974 625 AFSL No. 227232 which is 85% owned by CountPlus Limited ABN 111 26 990 832 (CountPlus) of Level 8, 1 Chifley Square, Sydney 2000 NSW and 15% owned by Count Member Firm Pty Ltd ACN 633 983 490 of Level 8, 1 Chifley Square, Sydney 2000 NSW. CountPlus is listed on the Australian Stock Exchange. Count Member Firm Pty Ltd is owned by Count Member Firm DT Pty Ltd ACN 633 956 073 which holds the assets under a discretionary trust for certain beneficiaries including potentially some corporate authorised representatives of Count Financial Ltd. The information on this web page is not advice and is intended to provide general information only. It does not take into account your individual needs, objectives or personal circumstances.

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