Financial Planning

Financial wellbeing is about more than money. It’s about being in control and feeling respected in the things that are important to you.

It’s never too early or too late to take advantage of financial planning. Whatever your priorities right now and your goals for the future, we can help you fund and protect what matters most to you.

Our qualified, professional financial planners will take the time to really understand your financial situation, family commitments, career aspirations and hopes for the future. Every person and every family will have different needs and goals. We keep an open mind and are always ready to listen and support you and your needs.

BENEFITS OF FINANCIAL PLANNING

Feel in control and confident that you are on the right financial path. Our financial planning services will help you:

  • Feel empowered about your financial future
  • Know where you are headed and how to get there
  • Establish smart ongoing habits and routines which will help you meet your financial goals sooner
  • Take advantage of the vast knowledge and experience of our financial planners
  • Enjoy the flow on-effects of a healthy financial life including less stress, a more rewarding career, and greater freedom and confidence

THE FINANCIAL PLANNING PROCESS

Our financial planning process involves a free half-hour discovery session, followed by the development of a comprehensive, personalised financial plan, then ongoing reviews and support.

Free discovery session

We don’t charge a fee for your first financial planning session. We will spend about half an hour together, getting to know your financial situation right now and your goals for the future. Whether you are just about to start your first full-time job, thinking about starting a family, or about to retire – there is always so much to talk about, and you may have many more options than you think.

After the session, you will receive a questionnaire to complete at home, so that we can have a thorough background of all the relevant details we need to consider for the next step.

Clear Engagement process

Once we have assessed your situation, we will provide you with a clear breakdown of our services and the fees to produce your comprehensive and fully customised financial plan. Once you sign off that you wish to proceed, our major focus is working with you to develop your goals as these form the basis of our advice.

Comprehensive financial plan

You will then receive a comprehensive financial plan that addresses and prioritises your goals, outlines your options and recommends the best course of action for your situation. Our advice is always unbiased, and we do not receive a commission from any of the financial products that we recommend. Ongoing support Once we have started to work together, we make sure to keep in touch and follow up with you. Your plan may require tweaks or changes over time. We look forward to celebrating your gains and wins with you, and supporting you when your circumstances, goals or priorities change.

 Our advice is always unbiased, and we do not receive a commission from any of the financial products that we recommend.

Ongoing support

Once we have started to work together, we make sure to keep in touch and follow up with you. Your plan may require tweaks or changes over time. We look forward to celebrating your gains and wins with you, and supporting you when your circumstances, goals or priorities change.

Contact us on (03) 9816 3855 or send us an email at contact@ayrgroup.com.au
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Financial goal setting

Where do you want to go? Not everyone sees success and prosperity in the same way. For some people, working towards financial freedom is the ultimate goal. For others, it’s about being comfortable and avoiding risk. We will discuss in detail what really matters to you. Who do you need to take care of? How much risk are you comfortable with? What does your ideal future look like?

 

We will help you formulate your own SMART goals. SMART stands for:

Specific

Measurable

Achievable

Realistic

Timely

Once we are clear on the big picture, we can then put in place a series of achievable interim goals to help get you there. Financial health is a lot like physical health. It’s not the fad diets or brief moments of intense effort that matter. It’s the day to day habits, activities and routines that will benefit you the most in the long run.

Financial goal setting will:

  • Help you define the big picture
  • Set in place achievable financial goals
  • Assist with career and lifestyle planning
  • Identify your risk comfort level
  • Give you clarity about your financial future
  • Provide you with a sense of control and positivity
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Budgeting

Budgeting is one of those things many of us avoid. It can seem like deprivation or an unnatural level of control. However, when you start to see your budget as something that works for you, rather than something that controls you, you gain so much from the process.

Apart from directing some of your hard-earned money towards paying down debt and longer-term investments, a budget gives you a sense of control and certainty which eases financial anxiety. You will know exactly where you stand and where you’re going – and that’s a really great feeling.

Budgeting will help you:

  • Feel in control of your financial life
  • See exactly where your money’s going
  • Set priorities
  • Pay down debt faster
  • Achieve your saving and investment goals
  • Support your business or career objectives
  • Determine your retirement income needs
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Superannuation

As you may have heard in the ads, “It’s YOUR money”. Make sure your super fund is working well for you or set up a self-managed superannuation fund. Being proactive now may mean a much brighter and more prosperous future when you retire. We can help you understand the best options for you and help with:

  • Tax planning
  • Salary sacrifice
  • Setting up a self-managed superannuation fund
  • SMSF annual compliance including financial statements, income tax returns, audit and assistance to trustees on their responsibilities
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Insurance

Having the right insurance gives you comfort and peace of mind. We will provide you with in-depth information and advice about which insurance products would work best for you.

We can help you protect yourself and those you love with:

  • Income protection insurance
  • Life insurance
  • Savings plans for dependents
  • Advice about guardianship orders
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Retirement

Whether you are thinking about retiring, or have already left the workforce, there are many decisions to make about your financial wellbeing. At this stage of life, the priorities are usually around freeing up cash flow, wisely managing investments and reducing risk.

We can help you with:

  • Salary sacrifice
  • Access to capital
  • Cash flow management
  • Investment properties
  • Passive income development
  • Getting Centrelink right
  • Aged care planning
  • Renting out the family home to generate income or selling it
Take control of your financial future.

About

Ayr Group offers comprehensive business accounting, individual accounting, business consulting and financial planning services.

Contact Us

Address: 40 Ayr St, Doncaster VIC 3108
Phone: (03) 9816 3855
E-Mail: contact@ayrgroup.com.au