If you want to go far, go alone.
If you want to go fast, go together.
Couples planning to start a family
Are you a young couple planning to start a family in the near future? Or maybe you're already expecting a new addition into your life?
Bringing a baby into your life is a truly life changing event. It's both exciting and nerve racking all at the same time! If you're anything like our clients, then you'll likely want to provide a great life for your children, maybe even a better life than you had growing up. However, being able to do that is no easy feat. The cost of living in Australia is very high and will continue to rise overtime. And that makes raising children a very tricky thing to do if you want to do it whilst also enjoying your lifestyle without too much stress or struggle.
Our goal is to help young couples transition into parenthood as comfortably as possible financially. We think it's important for parents-to-be to do this so they can enjoy the experience as much as possible. We feel that starting a family should be a positive experience, not a terrifying or anxious one.
In order to be able to transition into parenthood comfortably and confidently, you’ll need a strategy that helps you prepare financially for the transition as well as have a plan for your money management once the kids are here. This will also ensure you avoid ending up in too much debt or not having enough savings to support your new life as parents.
We help couples transition into parenthood in the best way possible to suit their specific situation and other life goals. We do this by helping them set themselves up financially in preparation for starting a family as well as make a plan for how they can enjoy their lifestyles and progress towards their goals once baby has been born.
Firstly, we review your current financial situation and find all the areas which can be improved now to prepare you financially for parenthood.
This usually includes making the most of two incomes before it drops to only one income for a period of time.
Then we map out a long-term strategy to progress towards your other life goals and enjoy your desired lifestyle after taking into account your new life and financial situation with children.
From there we then work with you to implement all the appropriate strategies to get you set up appropriately before starting your family.
This includes everything from having a plan for paying off your debts right through to planning out your budget while mum is on maternity leave.
For some couples and parents, we provide ongoing financial coaching and management to help them stay on track and make progress each year by avoiding costly mistakes and making critical adjustments to their financial strategies as life changes - which it certainly will once bubs is here!
Whether you're thinking about starting a family or have already started trying, we can help you improve your financial planning to ensure you're best prepared for becoming a parent and life thereafter. The sooner you start planning and strategising on how you’ll manage your money as new parents, the better off you'll be because you'll have more options and time available to get ahead and set yourself up financially, whilst also being better prepared to prevent or reduce the costly mistakes or problems a lot of young parents usually encounter.
"I want to make sure that we're in a strong financial position before we start our family so that we can have a comfortable and fun lifestyle once the kids are here."
- tom Williams (33)
Couples or Parents planning to buy a Family Home
Are you wanting to buy or build your Family Home in the short-term? Somewhere you can put down your roots and raise your family over the long-term?
If you’re like most of our clients, then you’ll likely want to live somewhere that allows you to have the lifestyle of your choice. A place that has a strong sense of community, is close to good schools and hopefully not too far from work. Finding the right spot to call home and bring up your family is usually a major milestone in your financial life. Unfortunately, it's becoming harder and harder to do. The median house price in Brisbane is currently $655,000 in 2017. This number is expected to go higher in the years to come.
Our goal is to help more couples and parents afford their Family Home without having to struggle financially or use excessive amounts of debt to do so. We think it's important for our clients to do this so they can have a comfortable and financially stress-free life. Having a home is important but having a happy life, free from too much stress or worry is even more important!
In order to be able to afford your Family Home and still be able to live a comfortable lifestyle, you’ll need a smart strategy for buying your property as well as a long-term plan for paying it off. That way, you can get into the home of your dreams whilst avoiding the pain and struggle of holding too much debt. Why end up paying hundreds of thousands of dollars interest to the bank when that money is better kept in your pocket for enjoying more holidays, paying for your children’s education and saving a nest egg for the future.
We help couples and parents buy a Family Home in the best way possible to suit their specific situation and other life goals. We also help them pay it off sooner so they can avoid being trapped by debt and having to struggle financially or miss out on enjoying life’s other important experiences.
Firstly, we review your current financial situation and find all the areas which can be improved now to increase your ability to buy and pay off your Family Home.
Then we map out a long-term strategy to pay off your mortgage sooner whilst also enjoying your lifestyle and progressing towards your other goals.
From there we then help you to implement all the appropriate strategies to get you started towards buying your Family Home and/or paying if off.
This includes everything from saving a deposit right through to setting up your mortgage and putting in place a debt reduction strategy.
For some couples and parents, we provide ongoing financial coaching and management to help them stay on track and make progress each year by avoiding costly mistakes and making critical adjustments to their financial strategies as life changes.
Whether you're thinking about buying a Family Home or you’re already in the market to buy a property, we can help you improve the way you purchase your home and pay it off. The sooner you start planning and strategising on how you’ll acquire and own your home, the better it will be because you will have more options and time available to get ahead and set yourself up financially.
"I love the idea of being in one place for a long time. I want to make it our family home and let it grow with us. That’s the Dream. I want it to be our haven.
I guess that comes from moving around so much when we were kids."
- Olivia (28)
Parents saving for private school fees
Are you a young parent or parent-to-be who wants to provide private schooling for your children in the future?
We know how important this can be for parents. You want to give your kids the best opportunities in life. You want to give your children a better future. But doing so can come at a high cost. Private School fees are at the highest level they've ever been and this doesn't look like it will change any time soon. In 2017, the average cost to provide a Private School education (both primary and secondary) for one child in a top tier school in Brisbane is estimated at $250,000.
Our goal is to help more parents afford a good education for their children without having to struggle or use excessive amounts of debt to do so. We think it's important for parents to be comfortable and financially-stress free so that your children can have a positive life both at school and at home.
In order to be in a financial position where you can afford to provide a good education for your children (whilst also providing a family home and a comfortable lifestyle), careful planning and a long-term savings strategy is required. This will help you to ensure you can give your children the best chance at life without having to sacrifice or struggle financially to do so.
We help parents put themselves in the best financial position possible to pay for private schooling in the future.
Firstly we review your current financial situation and find all the areas which can be improved now to increase your savings capacity.
Then we map out a long-term savings and investment strategy to grow your savings and be able to cover or alleviate the cost of private school fees in the future.
From there we then help you to implement all the appropriate strategies to get you started towards saving for your children's future.
This includes everything from improving your cashflow and increasing your savings capacity through to setting up an appropriate investment strategy.
For some parents, who want to make sure they are doing everything possible to save for the future, we provide ongoing financial coaching and investment management to help them stay on track and make progress each year by avoiding costly mistakes and making critical adjustments to their financial strategies as life changes.
Whether you're just starting a family or already have young children, we can help you to improve your ability to pay private school fees in the future. The sooner you start planning and saving, the better it will be as you will have more options and time available to make progress.