Financial Choice helps you feel better about your money and your life.

  • 1

    Organise your money

  • 2

    Get your bills paid on time

  • 3

    Your net worth statement

  • 4

    Build your wealth and protect it

  • 5

    Wills and tax returns

  • 6

    Maximise your investments

  • 7

    Graduate to the Masterclass

Building blocks

Connect all your accounts to get the full picture. Set up your building blocks for better advice.

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Get your bills paid on time

Your all-important credit rating will be affected if you are late paying your bills Let us help you pay your bills on time.

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Your Net Worth

To really start to build a plan we need to understand what your Net worth really is.

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Build and protect

Set the course of your financial future but make sure you protect what's important to you and your family along the way.

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Integrated Electronic Tax returns

Your transactions will feed into your online tax return making it easier to prepare which gives you greater peace of mind

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Maximise your potential

Unlock greater potential to gain greater control and responsibility of your wealth so you can relax.

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Graduate to the Masterclass

You are now ready to invest like a Pro. Investing like the Ultra wealthy is more about getting the simple things right.

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1 Building blocks

Connect all your accounts to get the full picture. Set up your building blocks for better advice.Financial Choice will provide you with the essential components to start building a better view of your financial life so you can get better advice. By setting up your budgeting and savings goals in Step one you are now able to start to work with your financial planning expert to really make sure that you make the changes that will get you on track with your money. After you have sorted out your financial world and started to budget effectively we can now introduce you to a financial planner who will set in place the building blocks that will relieve you of the financial stresses that you experienced before you were introduced to Financial Choice .

You start with the 50/20/30 rule. This rule has been the building blocks for sound financial management for many years. It goes like this.

  • Life's' essentials.
    No more than 50% of your take home pay should go to life's essential items like shelter, food, heating and transportation. In your budget these are itemised categories and are set up by your planner.
  • Financial essentials.
    This is the 20% of your take home money you set aside to pay back debt, make additional contributions to your savings and retirement and credit card debt.
  • Lifestyle essentials
    Life is meant to be enjoyed so we can channel 30% of your take home pay into the Lifestyle part of your plan. This is stuff like your mobile phone, gym fees, kid's parties, holidays, Restaurants, shopping and other fun stuff.

2 Get your bills paid on time

Your all-important credit rating will be affected if you are late paying your bills Let us help you pay your bills on time.

Your Financial Choice planner will set up a bill paying account or debit card to manage all your recurring bills and expenditure. This will make it easier to plan ahead and not worry about overlooking those bills if you are away from home.

Personal Budgeting and Bill paying service.

Pay my bills- we will pair you with your trained money manager that will help you set up your budget and assist you in the difficult task of making sure that all your bills are paid on time and you stick to your budget.

Your personal money manager will track all your bills, set up all your payment reminders, contact your Creditors if needed and negotiate difficult situations on your behalf.

Your wages get paid into an account in your name set up by Financial Choice . Your living expenses are transferred to your bank account that you currently use for everyday living. As your bills arrive you forward them to Financial Choice and we pay them on your behalf. We also make your loan repayments for you whether they are credit card debts or personal loans.

3 Your Net Worth

To really start to build a plan we need to understand what your Net worth really is. You need to complete the brief fact find form that appears under this link so that we can get an instant valuation of your family home and other properties that you have, your share portfolio, your managed funds, your superannuation funds and your bank accounts.

We will also get the updated balance of your loans and debts to arrive at a current one page Assets and Liabilities summary.

If you have other business assets then we will collect that information from sources that you approve.This is now the beginning of your plan. We know your total financial picture of cash flow and assets.

 

 

 

4 Build and protect

Set the course of your financial future but make sure you protect what's important to you and your family along the way.

Once you know where you are going you need to protect against potentially rough weather and obstacles that come up on the horizon that could steer you off course.

Insurance to protect your income, life insurance to protect loved ones and general insurance to cover those assets that you have budgeted for. This is the critical step you need to take before you then move to accelerate your wealth. One big mistake could sink your plans for building real wealth.

Our online Will service will help you get that part of your life organised so that your Estate Planning is complete. We also update the beneficiary details of your Superannuation fund.

 

5 Integrated Electronic Tax Returns

Your transactions will feed into your online tax return making it easier to prepare which gives you greater peace of mind.

Financial Choice will help you prepare your tax return. Your transactions automatically feed into your tax return so that you don't have to keep a shoe box of receipts.

We are also able to better predict how much your refund will be so that we can add it to your investments or help reduce debt.

The tax return link is very important to enable you to keep up to date without any unpleasant surprises from the Tax man.

 

 

6 Maximise your potential

Unlock greater potential to gain greater control and responsibility of your wealth so you can relax.

You new Financial Life is now in order and you can concentrate on making sure that both your strategy and the choice of investment and lending vehicles are matched to your long term aspirations.

Advice on self-managed super to get greater control of your wealth is provided here. Also, we consider whether other tax vehicles are suitable to keep more of the return for you and your family.

We compare in detail the fees you are paying on your superannuation accounts, managed funds, home loans, credit cards and make sure you are fully invested in the correct asset allocation to match your time frame and stage in life.

 

 

 

7 Graduate to the Masterclass

Investing like the Ultra wealthy is more about getting the simple things right. How do the top 20 wealthiest individuals in the world invest? What's their secret? How did they start? The answers might surprise you.

When you graduate to "Investing like a Pro"- better investing you will follow the same investing principles that the top investors follow. It starts with having a global perspective on their asset allocation, taking into account currency fluctuations, relative taxation structures and keeping to the plan no matter what.

This is where you need to enlist the services of the best in the business and have access to a panel of experts that are at the top of their game.