Answer Five

Goal Setting

Setting clear, measurable goals is critical to financial success.

By taking the time to determine what is important to you, what you want to achieve and what is distracting or not relevant, you can map out a path to get you where you want to be both financially and personally.

When you meet with us, we will guide you through the goal setting process. While it can seem challenging, working out your goals and how you will achieve them is one of the most rewarding parts of our meeting.

Goal setting can also be very powerful when used correctly with proven cash flow and budgeting techniques.


Superannuation is simply described as forced savings for retirement. It is compulsory in Australia and is a long term investment with concessional tax treatments that ensures you have money available to fund your retirement.

Given superannuation is a long-term investment, compulsory for employers and has seen some bad days in the press, it may seem like something that is not worth worrying about or something you can put off until the future.

But for most people, superannuation will eventually become one of your largest assets so it’s worth getting on top of your super and understanding how to maximise it now.

While successive governments have and will continue to change the rules regarding superannuation, it is still currently the best way to reduce the amount of tax you pay while saving for the future.

Superannuation is not the investment itself, it is the structure the investments are held in and they are taxed at a maximum rate of 15%. So with the use of a Self Managed Super Fund you can invest in almost anything through the tax-effective structure of superannuation.

There are various types of superannuation contributions and strategies that we can discuss with you – including specific rates and offsets dependent on your income level – to ensure you are getting the most value out of your super.

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