Video based courses that will take you from where you are now to financial independence. We give you all the knowledge, tools and resources you need to build your own financial plan, taking control of your money before a lack of it controls you.
The backstory
I have been in the Financial Planning industry since 2007 and during that time I have seen all the strategies and helped hundreds of clients. One thing that has stood out is that, while everyone’s situation is different, and therefore every financial plan is different, the most effective wealth creation process doesn’t change.
The 4 Phases of Wealth is a cost effective way for those DIY financial moguls to get access to top tier education and resources to build out there own financial plan without spending thousands to have someone do it for them.
The 4 Phases in 3 courses
The 4 Phases of Wealth have been split into three courses, each of which are a video based course with access to calculators and resources.
PHASE 1
Build your financial foundation
Secure your financial position by building a strong foundation. This sets the groundwork necessary for aggressive wealth creation in Phase 2.
PHASE 2
Leverage your financial foundation to build wealth
After calculating the investable assets required for financial independence, it’s then time to implement wealth creation strategies to aggressively build wealth.
PHASES 3 & 4
Transition & Financial Independence
As you approach your target asset base required for financial independence, it’s time to de-risk your situation, placing more emphasis on capital protection than aggressive accumulation.
Once financially independent, you no longer have to swap your time for money, allowing you to focus on the important things in life.
Phase 1: Build your financial foundation.
In Phase 1, you will be establishing your financial foundation. This is the bedrock which underpins financial security and sets the stage for aggressive wealth creation in Phase 2.
What we cover:
In Phase 1, we deep dive into the following:
- Building your income
- Managing your expenses
- Account structuring
- Tracking your net asset position
- Eliminating bad debts
- Building an emergency fund
- Buying a house
- The basics of superannuation
- Personal insurances
- Estate planning
Who is Suited:
Phase 1 is typically suited to people who are starting out in their financial journey. You are an accumulator but have yet to start accumulating! To determine if Phase 1 is right for you, take a look at the list of items we cover in this phase. If you are struggling with any of these areas of personal finance, then Phase 1 is your starting point.
Included Content:
Over X hours of video content + X calculators + X additional learning resources.
The Cost:
This cost to access Phase 1 and all of its materials is $220. This is a one-off fee to have access to all materials.
Phase 2: Leverage your financial foundation to build wealth.
In Phase 2, you will start by calculating the asset base required to achieve financial independence. You will then be implementing aggressive wealth creation strategies to achieve your target. The financial foundation you established in Phase 1 will provide the security and capital you need to take measured risks.
What we cover:
In Phase 2, we deep dive into the following:
- Calculating financial independence
- Debt management
- Introduction to investing
- The Core + Satellite approach
- Risk profiling
- Asset structuring
- Advanced superannuation strategies
- Borrowing to invest
- Debt recycling
- Property investing
- Starting a business
Who is Suited:
Armed with the backing of your financial foundation, it is time to kick off Phase 2. This phase is suited to accumulators who are ready to start making their money work harder for them through investing. This is the most aggressive phase of wealth creation as you are using your earned income to implement wealth creation strategies which will help to grow your net asset position.
Included Content:
Over X hours of video content + X calculators + X additional learning resources.
The Cost:
This cost to access Phase 1 and all of its materials is $220. This is a one-off fee to have access to all materials.
Strategy first
When putting together a financial plan, STRATEGY ALWAYS COMES FIRST!
Your strategy is your financial roadmap – the steps you will take on your path to financial independence. This will be the biggest driver behind achieving your financial goals.
Product second
Once you have your strategy in place, you then need the right tools to implement the strategy. The tools are the financial products and investments you adopt.
As licensed advisers, we will recommend the products and investments which we believe best suit your needs. Importantly, we are not aligned with any specific product providers, removing any potential product bias.
Financial Modelling
We have tools to model your financial position. This allows us to compare different strategies to understand the impact they may on your cash flow and net asset position over time.
By modelling your situation we can put together a Financial Plan which is projected to best achieve your financial goals and quantify the impact of our advice.
Who is Suited
If you need a hand deciding whether or not Tailored Financial Advice is suitable for you then consider the following…
- Are you at a cross roads with your finances and not sure which path to take.
- Do you want to do more with your money but not sure how.
- Are you time poor and don't have the capacity to effectively manage the finances yourself.
- Do you have a burning desire to achieve financial independence
Who is Not Suited
Tailored Financial Advice is not for everyone…
- We tell it how it is. For the process to work you need to accept constructive criticism.
- Improving your financial position is about changing your habits. You must be willing to change.
- We get paid by charging you a fee. If you're not willing to pay a fee for advice, check out our YouTube channel where we put out general information for free.
For more general advice on wealth building, check out our free resources in the Strategy Library.
Does Location Matter?
No, we work with clients across Australia remotely through the use of integrated technology.
Do you offer ongoing advice?
Yes, where appropriate we may offer ongoing advice.
Under this arrangement we will assist you to update your Financial Plan as and when your situation changes. We will also assist you to manage your investments inline with our Investment Philosophy.
What about cost?
We operate on a fee for service basis.
The upfront cost to prepare and present a formal advice strategy, tailored to your needs, starts at $2,200 inclusive of GST. It may increase from there due to complexity and scope of the advice.
ready to go?
If you think tailored advice is right for you and you’re ready to take that next step, click below to get started.
Still have Questions?
Finding the right person to help with your finances is a big decision. If you do have any questions fill in the form below and we will get back to you shortly.
