What is Financial Advice?
Everyone has their own idea of what financial advice is depending on their particular needs or experience – some people think it’s all about investments, others think it’s about superannuation, or life insurance, or saving and budgeting. Whilst these things are indeed important, they’re just elements of a financial plan.
CHG Wealth Advice is about moving from uncertainty toward Clarity, Success, and Freedom.
We work with you to understand what’s important to you and your family, then we develop a strategy to help you achieve the financial success you deserve. The world may be full of complexity and confusion, but at the end of the day its all about getting you from where you are, to where you want to be…. Its what gets us out of bed in the morning!
How Do We Do It?
1. ‘Right Fit’ Meeting
We want to develop a deep understanding of your situation and the things that are important to you. We also want to work out if we’re the right fit for each other.
In our 1st meeting, we’ll spend time talking about your goals, your needs, and your financial situation. We’ll also introduce you to the team, and share with you our advice framework, our advice process, and our core beliefs.
2. Strategy Exploration Meeting
In our strategy exploration meeting, we’ll discuss your strategic options, and explain how the elements of a plan fit together to help reach your goals. You are in the driver’s seat, and together we’ll develop your strategy through a consultative process that considers your unique situation, goals & needs.
We'll provide invaluable education about the key elements of your plan and help you make powerful choices that will set you on the path to financial freedom.
3. Advice Presentation & Implementation
Building on the broad strategies agreed in our exploration meeting, we finesse your recommendations and present your personalised financial plan. Rest assured, we will fully implement your plan recommendations and be right there with you to ensure that your plan comes to life as intended.
4. Track & Adapt
Your plan is not a set-and-forget system, it is a strategic framework that allows us to adapt when your life inevitably changes. When your family grows, or your income increases, or you need to upgrade your house we’ll be there to ensure that your plan is adapted to deal with life’s changes, and keep you on track to meet your financial goals.
Who Do We Work With?
High Earners Not Rich Yet!
The attributes of a HENRY. If you answer YES to 3 or more of these we can help.
What does a HENRY say?
The problems we solve for HENRY’s
Time Poor Business Owners!
The attributes of a BUSY. If you answer YES to 3 or more of these we can help.
What does a BUSY say?
The problems we solve for BUSY’s
The Elements of a CHG Wealth Plan
Cashflow is the lifeblood of your personal finances. If you can consistently spend less than you earn, you have the foundations for success. Now we just need to take that wonderful foundation
Debt Management & Strategy
Most Australians will retire with debt – don’t let that be you! A good debt strategy will accelerate the repayment of your ‘bad debt’, and help you harness the power of ‘good debt’ to build your wealth.
Once we discover the ‘wealth creation ingredients’ you have to work with, we can work out an investment plan that is right for you. Investing can help you grow your wealth & generate passive income, so you can stop trading your precious time for money.
Superannuation & Retirement
Superannuation is a powerful wealth creation tool… if you use it properly. A well thought out super strategy has the ability to save you mountains in tax through your working years, grow your wealth in profound ways, and help you live comfortably on a tax-free passive income stream in retirement.
Wealth & Lifestyle Protection
If cashflow is the lifeblood of your personal finances, we need to make sure it keeps coming if you are unable to work due to illness or injury. We also need to make sure that your family will be taken care of should anything ever happen to you. A well structured personal protection plan delivers you the peace of mind
Succession & Estate Planning
A CHG Wealth Plan isn’t just for you – its for your kids too. We structure our plans to take your prior & successive generations into consideration. Proper succession planning is critical for ensuring that the wealth you create stays in the family.
Speak with an expert advisor.
Our discovery meeting is without cost or obligation - we treat this as an opportunity to learn as much about you as possible and confirm if we're a fit for one-another