Personal Budget Analysis
Most people underestimate their spending by 20-30%. This analysis brings clarity to your cash flow, revealing exactly where money goes each month.
We review your income sources, fixed expenses, variable spending, and irregular costs. You'll receive a comprehensive breakdown showing patterns you might not have noticed.
The session includes identifying optimization opportunities—areas where small adjustments could yield significant savings without sacrificing quality of life.
$185 AUD
Debt Management Strategy
Debt feels overwhelming when you lack a clear path forward. This service creates a prioritized repayment strategy based on your actual financial capacity.
We analyze interest rates, minimum payments, and available cash flow to determine the most efficient payoff approach. Whether using avalanche or snowball methods, you'll understand why the strategy works.
The session covers negotiation techniques for interest rate reduction and strategies for avoiding new debt while eliminating existing balances.
$245 AUD
Savings Goal Planning
Vague savings intentions rarely succeed. This service transforms "I should save more" into a structured plan with specific timelines and milestones.
We calculate how much you need to save monthly to reach your goal by your target date. If the required amount exceeds your capacity, we adjust either the timeline or the goal to maintain realism.
You'll learn techniques for automating savings, choosing appropriate accounts, and maintaining motivation during the accumulation phase.
$165 AUD
Investment Fundamentals Workshop
Investing seems complicated because the industry profits from complexity. This workshop strips away jargon and explains core concepts in plain language.
Topics include risk tolerance assessment, asset allocation basics, diversification principles, and understanding different investment vehicles available to Australian investors.
You'll leave knowing how to evaluate investment opportunities, recognize red flags, and build a starter portfolio appropriate for your risk profile and timeline.
$295 AUD
Retirement Readiness Review
Retirement planning requires understanding both current superannuation balances and projected needs. This review assesses your position and identifies gaps.
We calculate estimated retirement income based on current contribution rates and investment returns, then compare that figure against your expected lifestyle costs.
If a shortfall exists, we explore options for increasing contributions, adjusting investment allocation, or modifying retirement expectations to align with reality.
$275 AUD
Financial Literacy Session
This foundational session covers essential money management concepts often missing from formal education. Perfect for anyone wanting to build confidence with financial decisions.
Topics include understanding payslips and tax, using credit responsibly, building emergency funds, basic insurance concepts, and avoiding common financial traps.
The session is interactive and judgement-free. No question is too basic, and we adapt content to your specific knowledge level and learning needs.
$145 AUD