Create Financial Independence
Your Journey begins here
Due to the Victorian Government declaration of a State of Emergency we are currently not providing face to face consultations
Over many years of working in financial services we have gained plenty of tools and information to help our clients, especially during times like these
We are keeping our finger on the pulse to ensure we know what the government is doing to support Australians through this time
With two generations of financial planning experience we can provide you with a strategic financial plan to assist with your immediate and long term financial goals.
Our model is structured to give you access to a range of Professional Specialists through a Single Relationship Manager.
Wanting to get the most out of your money with a tailored investment portfolio?
With access to some of the best local and global investment managers we can construct an investment solution to meet your requirements.
Superannuation is a long-term investment structure deemed necessary by the Australian Government. This is to help ensure you will have enough money to live on when you retire. If you fail to plan, your plan to fail so we help you get on top of this to give you the best outcomes possible when you are ready to stop working.
Human nature suggests a lot of us spend what we have access to which is why we help put in place structures to ensure you have the right amount of money to live on whilst being able to save some of it for your future.
We can provide you with your very own personalised Wealth Phone App where you can easily take control over your Finances and help you understand exactly where you are at.
It’s a difficult conversation to have but talking about life insurance now while you’re healthy is a responsible step that could make things much easier for you and your family in the future. Life Cover can pay a lump sum benefit to your loved ones (beneficiaries) if you die or are diagnosed with a terminal illness that reduces your life expectancy to less than 12 months.
Can be paid for using your superannuation.
TPD Insurance covers you in the event of an illness or accident that leaves you totally and permanently disabled and are unable to work. TPD is generally paid to you as a lump sum, enabling you to use the funds to cover debts, medical costs or modifications to your home that are necessary due to your disability. Can be paid for using your superannuation.
If you are unable to work due to illness or injury, Income Protection Insurance provides a monthly benefit that can be used to cover your regular living expenses and other costs until you’re back on your feet. Can be paid for using your superannuation.
A serious medical illness may have significant financial impacts upon you and your family. Similar to Life and TPD Cover, it is paid as a lump sum and covers medical conditions such as heart attack, stroke, cancer, multiple sclerosis and many more.
The lump sum can be put towards things like reducing your debt and covering medical costs.Can NOT be paid for using your superannuation.
Private health insurance helps cover the cost of your health care. When you require health treatment such as a dental visit or perhaps a chiropractor, you can claim a sum of money (known as a benefit) from your health fund. This benefit amount will help cover the cost of your treatment. You may still need to continue to the cost depending on the cover and treatment. There are two types of private health insurance: hospital insurance and extras insurance.
We all should know the importance of having home, car and contents cover. We can refer you to a general insurance company to help quote you on any of these types of products.
Remember to be SMART about it!
Specific Measurable Attainable Realistic Timely
You will be working with a team of experienced and qualified Advisers who are licensed with ASIC.
Your Financial Advice operates with two key rules at the forefront of everything they do
1) Know the client "you"
2) Operate in the your best interest
Your Financial Advice is not owned by a large institution like a Bank, Fund Manager or Insurance company.
This allows us to
work for you without having any conflicted agenda.
We can provide you with a mobile phone App that allows you to see how your plan is progressing, this includes valuations in real time 24/7 of your bank, Superannuation, Share portfolio plus things like your property, mortgage and insurances.
We are here to help clients all around Australia
179 Queen Street, Melbourne Victoria 3000, Australia
09:00 am – 05:00 pm
Your Financial Advice Pty Ltd (YFA) ABN No 30 638 165 723
YFA is a Corporate Authorised Representative of Nextplan Financial Pty Ltd
ABN 24 167 151 420 | AFSL 452 996