coaching is about unlocking a person's potential to maximise their growth.
 
- John Whitmore
For Couples planning to start a family

Cashflow Optimisation

Optimising your cashflow and bank account strategies so you can enjoy your current lifestyle whilst creating a surplus to save money and/or increase your debt reduction ability prior to having a baby.

Loan Structuring

Working with you to establish or restructure your home loan and/or other debts in a way that makes managing your debt as simple as possible. 

 

We'll look to ensure all of your loans (home, car, personal, credit cards and investment loans) are structured in the most cost-effective and tax-effective ways possible to suit your situation and goals.

 

Tax Minimisation

Working with your Accountant or introducing you to a trusted professional we work with to explore ways to minimise the tax on your income and increase the surplus cashflow available for your savings or debt reduction strategies both pre and post baby.

 

We also help you plan for expected future capital gains situations and aim to minimise tax via effective asset structuring and/or cashflow planning.

Savings Strategies

Setting up a regular savings strategy to help you direct your surplus cashflow towards things like a home deposit, holidays and your other short-term and long-term goals.

Debt Reduction Strategies

Setting up a debt reduction strategy to pay off your mortgage and/or other debts as soon as possible so you can be debt free sooner and pay less interest to the bank.

Investment Strategies

If you're wanting to build your wealth over the long-term, we'll consider the different ways you can invest to best suit your situation and goals. This includes investments such as property, shares and businesses.

If you already have existing investments, we can help you to determine if these assets are appropriate for your situation and goals and whether they should be retained or not.

Superannuation Strategies

Exploring ways to use your Superannuation to help pay for some or all of your personal insurance premiums in order to increase the cashflow available for your savings or debt reduction strategies.  

 

We’ll also help you to choose and implement an appropriate superannuation strategy to maximize your retirement savings in the future.

Protection Planning

Ensuring you have appropriate and affordable personal insurance in place so that you can continue to meet your debt repayments and cover your lifestyle expenses if you become injured or ill and cannot work for an extended period of time.    

 

We'll also ensure you have a financial safety net in place for you and your family if you were to have a major health issue or pass away. This means you or your family will receive money at a time when it is most needed to pay for necessary medical treatment, clear debts and ensure there is sufficient funds available to get through this type of unfortunate event without causing a significant financial burden or a loss of dignity. Think of this as your Plan B if you're unable to execute your Plan A.

Estate Planning

Working with your Solicitor or introducing you to a trusted professional we work with to set up or update your Wills and Powers of Attorney.

 

This ensures appropriate medical and financial instructions can be executed on your behalf if you're incapacitated (ie coma, overseas). It also ensures your assets can transfer efficiently to your family if you pass away by reducing the chances of challenges and the expensive costs of your money being stuck with the Government intestate.

Additionally, we can also make considerations for guardianship of your children in either of the above scenarios.

 
"I’m very maternal. I’ve always wanted to have kids young so I could be there for them as they grow up and also be able to have a career later on - or another child."
- Olivia (28)
For couples or parents planning to buy a Family Home

Cashflow Optimisation

Optimising your cashflow and bank account strategies so you can enjoy your current lifestyle whilst creating a surplus to save for a home deposit and/or increase your debt reduction ability.

Loan Structuring

Working with you to find and establish the most appropriate loan for your home purchase.

 

If necessary, we'll also help by structuring all of your current loans (home, car, personal, credit cards and investment loans) in the most cost-effective and tax-effective ways possible to suit your situation and goals.

 

Tax Minimisation

Working with your Accountant or introducing you to a trusted professional we work with to explore ways to minimise the tax on your income and increase the surplus cashflow available for your savings or debt reduction strategies.

 

We also help you plan for expected future capital gains situations and aim to minimise tax via effective asset structuring and/or cashflow planning.

Savings Strategies

Setting up a regular savings strategy to help you direct your surplus cashflow towards things like a home deposit, holidays and your other short-term and long-term goals.

Debt Reduction Strategies

Setting up a debt reduction strategy to pay off your mortgage as soon as possible so you can be debt free sooner and pay less interest to the bank.

 

If you have other debts such as personal loans, car loans and credit cards, we’ll also set up debt reduction strategies for these debts too so you can have more surplus cashflow available for your other goals.

Superannuation Strategies

Exploring ways to use your Superannuation to help pay for some or all of your personal insurance premiums in order to increase the cashflow available for your home deposit or debt reduction strategies.  

 

We’ll also help you to choose and implement an appropriate superannuation strategy to maximize your retirement savings in the future.

Protection Planning

Ensuring you have appropriate and affordable personal insurance in place so that you can continue to meet your loan repayments and cover your lifestyle expenses if you become injured or ill and cannot work for an extended period of time.    

 

We'll also ensure you have a financial safety net in place for you and your family if you were to have a major health issue or pass away. This means you or your family will receive money at a time when it is most needed to pay for necessary medical treatment, clear debts and ensure there is sufficient funds available to get through this type of unfortunate event without causing a significant financial burden or a loss of dignity. Think of this as your Plan B if you're unable to execute your Plan A.

Estate Planning

Working with your Solicitor or introducing you to a trusted professional we work with to set up or update your Wills and Powers of Attorney.

 

This ensures appropriate medical and financial instructions can be executed on your behalf if you're incapacitated (ie coma, overseas). It also ensures your assets can transfer efficiently to your family if you pass away by reducing the chances of challenges and the expensive costs of your money being stuck with the Government intestate.

Additionally, we can also make considerations for guardianship of your children in either of the above scenarios.

 
"I want to build our family home somewhere close to the beach and nature. somewhere the kids can play and go surfing like I had growing up. we can build it how we want and live there forever."
- tyson (29)
For parents saving for private school fees

Cashflow Optimisation

Optimising your cashflow and bank account strategies so you can enjoy your current lifestyle whilst creating a surplus to save for private school fees.

Loan Structuring

Reviewing your current loan structure to determine if any improvements can be made to reduce your out of pocket costs and save interest long term. These savings can then be used to increase the surplus cashflow available to save for private school fees and your other goals. Plus you'll pay less interest to the bank which means more money stays in your pocket.

 

Tax Minimisation

Working with your Accountant or introducing you to a trusted professional we work with to explore ways to minimise the tax on your income and increase the surplus cashflow available for your savings or debt reduction strategies.

 

We also help you plan for expected future capital gains situations and aim to minimise tax via effective asset structuring and/or investment planning.

Savings Strategies

Setting up a regular savings strategy to help you direct your surplus cashflow towards saving for private school fees and your other short-term and long-term goals.

Investment Strategies

Exploring, deciding upon and then setting up an appropriate investment strategy to help you grow your savings to afford private school fees in the future.

 

Your investment strategy will be tailored to suit your situation and goals. It will be based on the total saving amount required, the applicable time-frame and the surplus cashflow available for investment.

If you already have existing investments, we can help you to determine if these assets are appropriate for your situation and goals and whether they should be retained or not.

Debt Reduction Strategies

Updating or improving your debt reduction strategies to pay off your mortgage or other personal debts as soon as possible so you can pay less interest and have more surplus cash available to direct towards saving for your children's education and other goals.

Superannuation Strategies

Exploring ways to use your Superannuation to help pay for some or all of your personal insurance premiums in order to increase the cashflow available to save for private school fees and/or debt reduction strategies.  

 

We’ll also help you to choose and implement an appropriate superannuation strategy to maximize your retirement savings in the future.

Protection Planning

Ensuring you have appropriate and affordable personal insurance in place so that you can continue to meet your family living expenses and save for private school fees if you become injured or ill and cannot work for an extended period of time.  

 

We'll also ensure you have a financial safety net in place for you and your family if you were to have a major health issue or pass away. This means you or your family will receive money at a time when it is most needed to pay for necessary medical treatment, clear debts and ensure there is sufficient funds available to get through this type of unfortunate event without causing a significant financial burden or a loss of dignity. Think of this as your Plan B if you're unable to execute your Plan A.

Estate Planning

Working with your Solicitor or introducing you to a trusted professional we work with to set up or update your Wills and Powers of Attorney.

 

This ensures appropriate medical and financial instructions can be executed on your behalf if you're incapacitated (ie coma, overseas). It also ensures your assets can transfer efficiently to your family if you pass away by reducing the chances of challenges and the expensive costs of your money being stuck with the Government intestate.

Additionally, we can also make considerations for guardianship of your children in either of the above scenarios.

 
"Giving our kids a private education is a big thing for me, not because it’s a wank factor but more because I believe it gives you a big head start. It's pretty much a must. And being able to do that without working an 80 hour week."
- Rob (30)
Do You Want To Become a Financially Free Family?
  • Find out if your family is making any of the common money mistakes by taking this 2 minute QUIZ

  • See how your family's Financial Planning stacks up by completing this SCORECARD

  • Read more about how Coached helps families to maximise their money in this BROCHURE

  • Discuss if the Moneyfulness Method is right for your family by requesting a FREE CALL 

  • Learn about the Moneyfulness Method by reading the BOOK 

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Blake Fitzgerald of Coached Financial Planning (ABN 28 452 214 548) is an Authorised Representative (1236826)

of Financial Force (AFSL 238 337)

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