SERVICES
Jenbury Financial specialises in devising tailored financial plans to optimise your savings, assets, investments and superannuation so you can achieve your desired goals and live your ideal lifestyle.
Superannuation
It is vitally important that you are in a position to make choices about how your hard-earned superannuation will be invested so that you can maximise the benefits and entitlements you deserve. From the day you start work to the day you retire, superannuation contributions form the basis of a great financial plan. The favourable tax concessions on contributions and investment earnings make it an attractive structure for growing your wealth. When starting out, building your super contributions gives you a powerful way to take advantage of compounding returns. As you move through your working life, you can look at more sophisticated strategies for accelerating your super through salary sacrificing or self-managed funds.
In the approach to retirement, you can take further advantage of strategies that provide more tax benefits in the transition to retirement.
As experienced financial advisers without an allegiance to any particular superannuation product or funding source, we are able to provide financial advice tailored to your individual needs and position your investment strategy to securely build your superannuation portfolio.
Retirement
Retirement can be both a time for exciting new changes in your life and a time of uncertainty about how you will manage your income and expenses.
You may be looking forward to spending more time on those things that you have dreamed of, such as travel, leisure pursuits and family time. But how will you plan your income flow and spending? How will you make sure you retain independence without running out of money? Planning ahead will help you maintain balance between your lifestyle and your financial resources – and the earlier you start, the better. The decisions you make (or the ones you neglect) today, can make a huge difference to your retirement lifestyle. We can guide you through the maze of social security, taxation and investment options and help you to reach your retirement goals.
Investment
Investing is not just for the already wealthy, it can be a great way to save for a specific, long-term goal, but where do you start? We can show you how to get a savings plan going and how easy it can be to get your own investment portfolio off the ground. As you grow your investments and your circumstances change, we can show you how to expand your plan to have a more sophisticated edge that targets specific goals.
Cashflow/Budgeting
It is both satisfying and rewarding to get debt under control, stay on top of your bills and other expenses, and watch your savings grow along the way. But sometimes it can be challenging to spend less than you earn and stick to a budget. Different methods of budgeting work for different people. We can help you to devise and implement a personalised and practical budget plan that you can commit to easily and keep your finances under control.
Debt Management
Owning your own home is still the great Australian dream. And while most people need to borrow money to purchase their family home, it’s important not to overextend yourself and ensure you stay on top of the debt by managing the repayments.
Ideally, you want to be able to pay more than the minimum repayment, so you can pay off the loan as quickly as possible. Borrowing money for investment purposes can be a good way to grow your wealth more quickly but this comes with additional risks and needs to be well thought through and managed along the way. We can tailor a debt management plan to help you stay on track towards the achievement of your goals and ideal lifestyle.
Savings Plans
Whether you want to save for a family holiday, your children’s education or a special gift for someone, there are many different options available to achieve your goal. We can tailor a plan to help you save money and build your wealth to achieve your personal goals.
WHAT YOU CAN EXPECT
Personal financial management starts and ends with your needs. In developing your financial plan, we use a step by step process – starting with the gathering of information, through to the preparation and implementation of recommendations. We also commit to reviewing your financial affairs on an ongoing basis.
Learn more about our financial planning method and philosophy in this short ‘Wealth Pyramid’ video.
Ready to learn more about how we can support you to secure your financial future?
