Wealth Management - CHG Integrated Wealth

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?

THE HENRY’S

High Earners Not Rich Yet!

The attributes of a HENRY. If you answer YES to 3 or more of these we can help.

You have a great income but not quite sure where it goes or how to make it work better for you
Your major investment is your home and some superannuation, but you know you need to do more to live happily ever after
You are constantly juggling work, family, friends and finances take a back seat
You are enjoying life a little too much... but in the back of your mind you know it’s not sustainable and you should do something about it
Your debt under control and you’re considering buying an investment property or investing in shares.
The kids are in school now, and the primary carer is starting to increase work hours & generate more income
You have seen your parents struggle and you want to be able to help them out if necessary but also want to make sure you don’t fall into the same trap with your retirement
You don’t want to look too far ahead for fear of what it may look like

What does a HENRY say?

I earn enough but I don’t feel like I’m getting ahead
I need to do something or Ill end up regretting it one day
We want to be more financially responsible but just need a kickstart
I don’t want to be working this hard forever
I'm not sure if I should be just paying down debt or something more
We want to pay off our house and then we are thinking about buying an investment property.
I'm worried about my family if I couldn’t work due to sickness or injury.

The problems we solve for HENRY’s

We help you make confident and empowered decisions
We ensure your financials foundations are set
We make your finances simple and easy to understand because you have enough complexity in your life
We help you take advantage of your greatest wealth creation ingredient – time
We have years off your home loan & save you $10's of thousands or more in interest
We help you harness your earnings power to grow your wealth & work toward financial freedom
We can help your kids off to a head start by establishing investment plans that will pay for their future education / car / house deposit /wedding

Book A Discovery Meeting

THE BUSY’S

Time Poor Business Owners!

The attributes of a BUSY. If you answer YES to 3 or more of these we can help.

A family-owned business maybe with a few employees.
In a more mature stage of business, where profits are becoming regular and not all is needed to be reinvested back into the business.
You can be time poor as you are dedicated to the business, this can mean family that personal wealth takes a back seat
You can find it hard to identify the difference between business & personal cashflow - it's all mixed up.
You’re hoping that the sale of your business at retirement makes up for your lack of superannuation.
You’re contributing more to your employees super than your own.

What does a BUSY say?

My business is my superannuation, but I think I should really be doing more
I can’t take more out of my business because I'll pay too much tax
I’ll start paying myself super when we achieve XYZ revenue or profit
I'd like to squirrel away some profits and put them towards my personal goals
The business is in a good place, now it time to make the money work for me
I’ve been meaning to sort out my personal finances forever, can you just take care of that for me

The problems we solve for BUSY’s

We simplify your entire financial life via integrated advice between accounting, finance and wealth advice
We plan tax-effective strategies (with your accountant) to get the cash out of your business and into your personal life
We protect your assets, your incomes, and manage your key-person risk
We help you bank the wealth generated by the business and put towards your personal goals
We diversify your revenue streams to mitigate business risk
We optimise your exit strategy so that your hard work and effort rewards you for years to come
We work hand-in-hand with your accountant and finance broker / bank to help you achieve the best outcomes

Book A Discovery Meeting

THE WHISKEY’S

Getting Better with Age!

The attributes of a WHISKEY - If you answer YES to 3 or more of these we can help.

You are retired or approaching retirement
You have invested in property or ‘blue chip shares’ with a focus on income yield
You are looking for better returns than cash in the bank, but are fearful of events such as the GFC
You are unsure of how much you need to retire, or how long your money will last
You unsure of what your investment returns are, whether it be property of a share portfolio
You might have to sell an investment property because it doesn’t generate enough rent to live on or still has debt
You are considering downsizing in order to have more cash to live on
You don’t particularly like change, but you know that staying the same isn’t optimal.
You want to leave a legacy for children or grandchildren or have considered bringing forward kid's inheritances.

What does a WHISKEY say?

The kids are gone & now we have more income but we’re not sure what to do with it.
At what age can we retire?
I’ve heard about ‘transition to retirement’. How does it work? is it a good idea?
We don’t want to put all of our money in super because we want to be able to access it.
I'm worried about spending for fear of running out
I'll just work a little longer to make sure the money doesn't run out
I'm so sick of tenants and wish it was simpler to hold my retirement wealth
Where can I get a decent interest rate these days?
I have too many assets to get a pension, but they don’t generate enough income to live on
Shares are too risky for me, but my money is going backwards in the bank

The problems we solve for WHISKEY’s

Save you mountains of tax through the ‘home straight to retirement’.
Give you certainty on the timeline of your money
Educate you on your investment options
Convert your taxable income steams into tax-free income streams
Optimise your entitlements to aged pension through asset structuring
Protect your hard-earned money for future generations & save them tax
Guide you through the balance of helping your adult kids and working out how to care for your parents
Advise you along the way

Book A Discovery Meeting

The Elements of a CHG Wealth Plan

Cashflow

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.

Wealth Creation

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

Book a 15min Discovery Meeting