Financial Planning 2019-09-02T20:34:49+10:00

Plan a Brighter Future

We help Gen XYZ enjoy life today while still planning a better and secure lifestyle tomorrow.

We help you succeed by:

  1. understanding what you value in life and building goals based on that,
  2. setting your wealth foundations by using a structured spending and savings program, and
  3. building assets to generate income to fund your ultimate goals.

It’s not about accumulating wealth just for the hell of it.

It’s about discovering what really matters to you in life, finding money to fund it and then implementing a structured process so you can achieve it.

Have You Ever Thought…

I’d like to manage my money better to live for today but also plan for my future

I know I could be doing better with my money but I don’t know what to do or where to start

I don’t feel like I’m where I should be in life

I want to protect the lifestyle and future I have built for my family

Then Moneybright Can Help

Our Financial Planning offer builds upon our Money Management Program, which is designed to assist you to make decisions around what you want to do with your spending and savings by giving real numbers in real time.

When it comes to Financial Planning, there are 5 questions that you must answer to see success:

What are you investing for?
What you value will determine the types of GOALS you will target.  Living a life based on your values will make you happy.
How much can you save?
Regardless of your values, if you can increase your savings you will have more money to put towards your goals and you will achieve them faster
What do you invest in?
There are many different investment categories.  You need to determine which to use and how much money you allocate to each one.
How do you diversify?
You should always try and achieve your goals with the least amount of risk.  There are ways to reduce risk without decreasing returns.
Where do you save?
You need an understanding of the different structures you can use to save your money and the benefits and downsides of them all.
Don’t forget to protect
The 5 Questions assume you will have cash flow to achieve your goals.  You need a plan to protect against life’s unknowns.

1. What are you investing for?

What you value will determine the types of GOALS you will target.  Living a life based on your values will make you happy.

2. How much can you save?

Regardless of your values, if you can increase your savings you will have more money to put towards your goals and you will achieve them faster.

3. What do you invest in?

There are many different investment categories.  You need to determine which to use and how much money you allocate to each one.

4. How do you diversify?

You should always try and achieve your goals with the least amount of risk.  There are ways to reduce risk without decreasing returns.

5. Where do you save?

You need an understanding of the different structures you can use to save your money and the benefits and downsides of them all.

6. Don’t forget to protect

The 5 Questions assume you will have cash flow to achieve your goals.  You need a plan to protect against life’s unknowns.

It’s important that once you identify spare money and begin allocating it to your goals that you continue to build on that foundation and momentum.

You will be guided on what the best types of investments are the best to use for each of your goals – with special attention paid to your timeframes.   It’s also important for you to understand how much exposure you should have to each type of investment given your tolerance towards taking risk.

In other words, you will allocate your extra funds to assets that balance:

  • your comfort levels, and
  • your need for a return big enough to get where you need to be.

While you are building towards your goals you will also establish an emergency fund, protect your assets with appropriate levels of insurance cover and sort out your wills and estate planning so that if anything does go wrong, your wishes are taken care of and the lifestyle you are building isn’t jeopardised in any way.

The Moneybright Method brings financial order to your life.  We start off attacking any issues in your cash flow management.

The Lending Service provides access to the lowest rate loans in Australia.  We even use loans that pay no broker commissions to free up your cash flow.

The Money Management Program is designed to provide you with a structured approach to your savings and spending.  The goal is to identify even further cash flow surplus.

The final step is to allocate your surplus cash flow to achieving the goals that matter to you in life.  The financial planning program is built to address the 6 areas that determine how successful you will be and builds upon the Lending and Money Management Programs.

Want a brighter future?

Organise a call now & achieve your goals.

Tell me more!