Financial Planning Services.

Financial Planning Services

At White Owl Wealth, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.

Super is a tax effective environment for your money. Both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.

Your employer must pay a proportion of your salary into a super fund. This is called the Superannuation Guarantee and has been increased to 10% per annum since July 1st 2021. It will increase by 0.5% each year until it reaches 12% in 2025.

Life takes twists and turns that we can’t always see coming. That’s why it’s so important that we are prepared for life’s emergencies. You don’t want to leave it to chance.

An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family.

Having the right insurances in place can help protect your family and your income if the unexpected occurs.

Borrowing money is easy these days and that’s why it’s even easier to get into debt.

But, not all debt is bad debt.

Having a debt management plan in place and understanding the different between good and bad debt could help you make better financial decisions.

Knowing how to manage your debt can help you take control of your financial future and manage your cashflow.

Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.

We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.

If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider. Of course, we recommend you contact us before you start putting your money into any form of investment.

What are your goals?

Start by setting your investment goals. Since each investment will vary in its potential for risk and returns, you need to choose the right investments to help you achieve your goals.

A budget is a plan for every dollar you have. It’s not magic, but it represents more financial freedom and a life with much less stress. A budget helps create financial stability.

By tracking expenses and following a plan, a budget makes it easier to pay bills on time, build an emergency fund, and save for major expenses such as a car or home. Overall, a budget puts a person on stronger financial footing for both the day-to-day and the long term.

Schedule a Call

In 15 minutes we can get to know you – your situation, goals and needs to see if we are the right fit to help you reach your potential.