know your position

Having a realistic and achievable spending plan is a major step in taking control of your money. To get that plan in place you first need to assess your current habits.

Many of us create plans which just don’t work – we’re eternal optimists and our home-made plans are often more wishful thinking than reality.
Our smart money guide (free online budgeting tool) is an exclusive tool designed to help you accurately identify your current money position, and set a liveable budget based on your real situation. You and your adviser will review your income, outgoings and spending habits and identify where you can increase efficiency and minimise wastage. Once you get all your regular outgoings written down you’ll get a few surprises about your spending habits!

control your biggest expense
For most of us tax is our single biggest expense. By assessing your entitlements and recent tax liabilities, your adviser may suggest strategies that will reduce how much you pay, such as re-structuring your investments, taking full advantage of superannuation and maximising your deductions and rebates.

making it happen

Optimism also leads us to assume that we can solve the problem by simply earning more money. It won’t work. Unless you change your habits by putting a system in place that harnesses and directs your income, reaching your financial goals will be a challenge. Together, you and your financial adviser will identify ways in which you can maximise the efficiency of your cash flow and minimise wastage.

what will happen when you focus on your cash flow

You’ll change your habits to turn your spending around, and direct your surplus money into wealth-creation
You’ll realise your goals sooner than you thought
You’ll improve your tax position as you pay off your debt tax effectively
With expert guidance from your adviser, you’ll make the right choices every time.

An ipac financial adviser can help. Make an appointment or email your enquiry.

let us call you

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