We encourage our clients to have a full Life Financial Plan. We know that there is always bumps in the road that can change your financial journey. We will partner with you, giving you greater comfort and providing clarity to follow your plan and achieve your goals. While they’re all complex individuals with different goals, incomes and lifestyles, they all share one thing in common – they delegate to us so they can focus on what is really important to them.

Managing your cashflow, budget and debt management is the most important thing you can do. The heart and soul of any successful financial plan or achievement of important financial goal is achieved through disciplined financial management of all cash inflows and more importantly outflows!

Foundation Wealth Planners (FWP) will manage your financial resources to make sure you are with the right superannuation fund.  No matter what stage you are in your life FWP can assist you in pursuing your ideal retirement. Foundation Wealth Planners will assist you when approaching retirement, or in retirement on how to invest your savings including superannuation so you are able to replace your wage with regular income throughout retirement.

At FWP we don’t take unnecessary risks and we don’t adopt unproven strategies – we focus on what drives investment returns. When investing for clients we focus on these key principles:

• Markets work
• Risk and reward are related
• Diversification reduces Investment Risk
• Asset Allocation determines performance
• Maintaining discipline

Foundation Wealth Planners view insurance as vital because our role is not only applying strategies to create wealth; it’s to equally implement strategies to protect wealth. Our clients are counselled on the insurance risks they can afford to carry and the insurance risks that can lead to financial ruin.

Whether your business is structured through a partnership, company or trust, few have effective mechanisms in place for the transfer of equity and/or control if one of the owners is lost to the business due to
death, disablement or a critical illness. A business succession plan incorporating insurance funding protects your investment and ensures the survival of your business should one of the business owners or a key person die, become disabled or suffer a critical illness

Planning for the future includes planning for the legacy you leave behind. Good estate planning doesn’t leave room for chance, it ensures your wishes are carried out and maintains clarity for your loved ones in a time of loss.

The Australian Government offers a range of social security services and payments to support those in need and assist people to become self-sufficient. Foundation Wealth Planners will make dealing with social security less overwhelming.

Whether considering options for yourself or a loved one, aged care is a complex area and requires careful thought. Foundation Wealth Planners can guide through questions such as but not limited to:

• What upfront costs will i need to pay?
• How much will I pay for ongoing care?
• Can I keep the home or is it better for me to sell it?
• How do I maximise my social security benefits?
• How can I afford to pay for ongoing care?
• Will I have something to leave for my family?
• How much tax will I need to pay?