WHO ARE WE TALKING TO?

STARTERS

JAMES   
AGE: 28   
OWNS A SMALL CAFE   
LIVES WITH PARTNER   
NO KIDS   

TRIGGERS

After studying a small business course in his early 20s, James set his focus on owning and running his own small business. Money is ok but his cash flow could be better. He hasn’t had a huge opportunity to travel and would love to do more. He moved in with his partner recently to save money and buy their first home. Saving for his retirement has never been a focus and either has having the right income protection.


PAIN POINTS

  • Financial planning is for old people. I can do it tomorrow.
  • Who can I trust?
  • What don’t I know?

FEEL, THINK AND DO

  • Maybe I shouldn’t put my financial situation off any longer. What’s the harm in having a chat about it.
  • Where do I start?

WHO ARE WE TALKING TO?

OPTIMIZERS

MICHELLE   
AGE: EARLY 40S   
WORKING PROFESSINAL   
BALANCING CAREER   
WITH YOUNG FAMILY   

TRIGGERS

  • Michelle is established, well-educated and also has a good income, however she’s intimidated when it comes to investing. She feels safe with property as she doesn’t understand finance. She may not have much super as her and her husband started work before payments became compulsory (or run their own business and don’t pay themselves super). They have no retirement plan as its still feels so far away…
  • Jonny has a very good income, but still can’t afford to buy a house in an Australian capital city. He wants to invest but doesn’t know how and subsequently keeps his savings in a high interest account.

PAIN POINTS

  • Investing feels intimidating / don’t know enough about it.
  • Looking to buy property, have money sitting in bank but don’t know what to do.
  • Insurance gaps, mainly income protection.
  • Own property, paying down debt, need help with budgets.
  • Don’t trust investing.
  • Simply getting a handle on cash flow.
  • Need to start thinking about super or at least understand it.

FEEL, THINK AND DO

I feel at ease with sound financial advice. This is easier than I thought. I should have done this long ago.

WHO ARE WE TALKING TO?

FINISHERS

MARGARET   
AGE: 55+   
SEMI-RETIRED SCHOOL   
TEACHER   
3 KIDS AND   
2 GRANDCHILDREN   

TRIGGERS

Balancing family and career has always been tricky but I wouldn’t have it any other way. Money is good, but Margaret feels like it’s the time to make sure her and her husband are financially sound for up-coming retirement. It’s a little strange to her, but she can now focus on the things, dreams and passions of her own. A recent death of a close family member made them realise their family might not be ok if they were no longer there to support them.


PAIN POINTS

There’s so many options out there. I just need reliable support and advice and relationship from people I trust.


FEEL, THINK AND DO

I feel comfort in knowing the advice I receive is moving with the times and future thinking and is tailored to my goals.