EXPERIENCE • WISDOM • PROFESSIONALISM

Helping you make better financial decisions
so you can live your best life!

Our Advice

Strategic Advice

means helping you make smart decisions to reach your goals.
it is product neutral
needs to be monitored - absolutely vital to keep cashflow on track
quiet acheivers of net wealth - surplus income, compounding and time
silent assassins of net wealth - lifestyle debt, taxes and lack of monitoring
- A good company doesn’t just look at proifit, it keeps a close eye on both revenue and expenses and is continually monitored

Our Step-By-Step Process

Deep dive into your goals: Getting this right is critical. Discovering what drives you and exploring differences with your partner

Analyse: your current situation and potential changes in the future to ensure can maximise your opportunties
Provide options: Assess various scenarios and agree upon the best way to use your income, assets and debt to acheive your goals.
Protect: Identify risks and discuss your options and what risks you feel comfortable with.
Track to plan with flexibility: This maximises the probability of you reaching your goals and living your best life. Life is full of changes. Regularly check your progress and make adjustments.
We use cutting edge technolgy
- to help you visualise the outcome of different decisions
- to help you understand the impact of both large and small decisions on your goals
- to help you monitor your progress and identify when you are off target
- we use phone apps to make your life simple

Wealth Management Strategies

Investment, SMSF and Superannuation Advice
Retirement Planning and Aged Care
Cashflow Modelling and Budgeting

Personal Comprehensive Wealth Protection Insurance

Income Replacement
Life and Disability Cover
Critical Illness/Trauma Cover

Business Protection Insurance

Business Owners Insurance – Buy/Sell
Key Person
Business Expenses

Financial Services

Debt Management
Lending Solutions
Estate Planning
Taxation
Introductions to other professionals and specialists as required

Why Us

We take the time to understand what matters to you and what drives you.

We believe each person has their own individual values and definition of success.

We focus on finding the right strategy for you and do not push product - in house or otherwise.

We access the expertise of investment managers who monitor investment markets on a daily basis, allowing us to spend more time with you and to deeply understand your goals.

We add value.

We partner with you to build your wealth to achieve your goals

freedom of choice
less stress
connection and time with the people you love
being in a position to help your community and help the causes you feel most strongly about
be in control
provide for your loved ones

Our goal is to help you be your best you and live your best life!

Do you:

want to build wealth?
want to manage existing wealth?
want to hand over your investment management so you can concentrate on what you do best?
have complex financial needs and need advice?
Feel uncertain about what to do and where to start with financial concerns and goals?
Worry about maintaining your lifestyle in retirement?
Expect (or have received) an inheritance and need advice on the best strategy for you?
want the guidance of an experienced caring professional?
want an impartial person to engage discussions with loved ones to ensure you align your priorities?
want to spend and invest wisely?
want to have less stress and increase your wellbeing?

Our Services

Strategic Advisory Services

Strategic Advice
Investment, SMSF, Superannuation and Debt Management
Insurance - Customised portfolios
Cashflow Modelling and spending plans - key to your success
Estate Planning
Taxation
Lending Solutions
Retirement Planning and Aged Care
Introductions to other professionals and specialists as required
- Aged Care Specialist services
- Accounting
- Legal

Understanding You And Your Business

The foundation to protection your wealth is to understand you and all your goals, current and future:

Personal - your own personal goals, family, lifestyle and retirement goals.
Business - goals, risks and succession plans.

This is an ongoing process. Your personal and business circumstances change. Your health, lifestyle, pastimes and preferences are evolving.

“Before everything else, getting ready is the secret of success.”

— Henry Ford

The insurance industry is constantly changing, including responding to developments in the medical profession, changes in client preferences, tax and superannuation legislation; and enhancements in compliance requirements. These changes impact the types of cover, definitions, benefits and claimable events. Ongoing reviews are therefore vital to ensure your Wealth Protection portfolio is up-to-date and meets with your ongoing needs.

Individually Tailored Wealth Protection Portfolios

Personal and Business insurance is structured to meet your individual needs. This process involves:

Assessment of insurance requirements and alternative risk reduction strategies
Types and levels of cover
Options and Benefits
Ownership structures
Tax considerations
Beneficiary nominations
Liaising with your professional advisers, accountant or lawyer

Superannuation

Review of superannuation arrangements
Consideration of your retirement needs
Identify appropriate superannuation strategies

Insurer Market Research

Market knowledge of insurers is continually being monitored and reviewed, including staying abreast of potential factors affecting the insurance industry.

Underwriting Negotiation And Pre-Assessment

The development of key relationships with Underwriters is essential to obtaining terms and conditions that take into consideration each clients' specific circumstances, both health and financial.

Pre-assessments may be undertaken, prior to the initial selection of an insurer, to obtain indicative terms resulting in the sourcing of the most advantageous terms for our clients.

Liaising With Your Professional Advisers

We work together with your advisers to ensure you obtain the most appropriate insurance portfolio solution for your own particular needs.

This also enables us to maximise the efficiency of our process and your time by liaising directly with your advisers.

Personalised Claims Management

Maintaining a personal relationship with you, your family, your business associates and professional advisers, enables us to assist you and manage the entire claims process for you at a time that is very stressful.

We are your advocate and do not work for your insurer. Our primary goal is to ensure you obtain your claim proceeds as quickly as possible and that you receive all your entitlements.

Our ongoing relationship with your insurer is essential to achieving a smooth and timely payment of your claim.

Why Choose Us?

Specialist Strategic Advisory Services

Our advice ensures you have the right strategy to achieve your goals at the right time. Strategies consider your lifestyle and financial goals, alternative structures and investment vehicles, tax and gearing considerations, and cashflow monitoring and budgeting to achieve financial independence - you choose when you want to retire and have freedom of investment and lifestyle decision making.

Critical to meeting your goals is to get advice first (consider your alternatives, your preferences and your circumstances), product is a subsequent consideration and can be provided at your request.

Cash Flow Modelling & Budgeting

We help you solve the biggest obstacle to you not achieving your financial goals. In our experience, this is the biggest single factor in determining your financial independence. We help you to develop and more importantly to maintain good spending and saving habits.

Comprehensive Insurance

Insurance policies can ONLY make a payment to you when it meets a condition of your policy. If your policy is sub-standard you may receive a lesser payment or no payment at all.

We work together with you to ensure you have cover that meets your preferences and your budget.

Access to a Wide Range of Insurers

We are your advocates and are privately owned. For every client we undertake a full analysis of the market to obtain the most comprehensive cover for you, with the most favourable terms. We regularly monitor the market to ensure your policies have up-to-date terms and conditions.

At claim time, we are working for you to obtain a payment as quickly as possible and includes all of your entitlements.

Efficient Process

Our process is simple and efficient. We use simple every day language and do not use industry jargon.

Wealth Protection Portfolio Tailored To Your Needs

Your requirements are specific to you. Our business background ensures we help you identify the risks you and your business face. We discuss alternative solutions with you that may include insurance, partial insurance or no insurance.

Wealth Protection for SME’s & Sole Traders

Our business acumen specialises in Wealth Protection. Former business experience has included in accounting, property, finance and financial services. This provides a stronger background to assist you with your Business Succession Planning and to assist you to identify key person risks within your business.

Our Approach - Professional Advice Delivered Personally

Our approach is premised on providing you with Advice, focusing on quality and your best interests.

Our process is based upon understanding you, your business and your needs (current and future) regarding your lifestyle, family, retirement and wealth goals.

We meet with you in person or online. Achieving your financial goals and protecting your family and business is best facilitated by meeting with both you and your spouse/family/partner. This ensures your wealth creation and protection is importantly designed with input from all participants. Our clients have found, if you and your partner are included in discussions, your process is smoother, more time efficient and ultimately in the best interests for each of you.

*We meet with you where it is convenient for you.*

Our Remuneration

Fee for Service for Strategic Advisory Services, fully agreed with you upfront, explained in our Terms of Engagement and disclosed in our advice documentation.

We are generally remunerated by the insurers for Insurance Cover, or a blend with fee for service, depending on your needs.
This means you receive personal advice from your Financial Adviser who is working for you (and not the insurer) and customised insurance cover at the same cost as going direct to the insurer and receiving only product advice from a sales representative. Our remuneration is fully disclosed in our Statement of Advice and Financial Services Guide.

Compliance Focused Practice

Our prior accounting and audit background means compliance is forefront of our mind in every step of each process and the practice as a whole.

About Us

Sandy Elliss – Founder And Adviser

After obtaining my accounting qualifications I wanted to help my clients in a more personal way and help them to make smart financial decisions to live the life they want to live in the future.

More than ever before, clients seemed to be living in the present and not creating the wealth and structure necessary to continue with their present lifestyle. Clients appeared to spend more time planning their next holiday rather than planning their wealth that would sustain all of their future holidays and retirement goals.

Clients needed a financial educator and coach, as well as a finance expert to help them:

develop the habits that make money management easy
make smart financial decisions that will make life easier in the future and provide more options such as retiring earlier
develop a healthy relationship with money to create wealth and reduce stress
develop ‘how to’ guides to:
- build savings and create wealth
- reduce mortgage faster
- tax effective strategies
- become financially resilient
- understand the importance of safety nets

My financial industry experience now spans over 20 years and includes Chartered Accountancy (Price Waterhouse and Schroders Australia), Private Banking and Commercial Lending (Investec), as well as Financial Advisory services.

I was fortunate to have the rewarding and humbling experience of living overseas in Asia for several years in caring for children in orphanages. Outside of work, I usually participate in anything "ing" – swimming, golfing, walking with friends or playing with my daughter, Mia.

I am a big believer in the benefits of health, exercise and diet to help achieve our lifestyle and financial goals.

My combined skills and values from being a mum, caring for orphaned children, accounting and financial experience help my clients to feel confident in their ability to create the life they want to live.

“I was considering entering the property market and approached Sandy to discuss protecting my income. Fortunately, I was not seriously hurt in a recent push bike accident and income protection was still available for me. Sandy helped me to think about what I wanted my life to look like and to put in place a plan that would help me protect my income and to also help with additional medical expenses if I should suffer a critical illness, such as cancer.

Sandy’s experience was immediately apparent. Throughout the process, I found Sandy’s professional approach, friendly manner and concern for my well-being to be very reassuring and I was completely at ease, knowing that I was well looked after. There is a confusing range of policies and potential exclusions from a number of different insurers. It was a great relief to find someone independent and experienced.

Thank you Sandy.
”

— J. Cramp, Nutritionist

To view more client testimonials, please visit my Linkedin profile

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