Young and Free! "Do I really need a financial plan?”
Whether you would like to travel the world or wish to start building your future… Budgeting is an important first step in getting your financial affairs in order, often overlooked as too hard or too boring – our tool builds a budget for you by extracting your income and expenses from your bank accounts into an APP on your smart phone (Visit MyProsperity).*
Everyone can benefit from financial advice; though are you happy with a one-size-fits-all financial plan? Or are you an individual? There’s only one YOU; with only ONE life!
We can create a personalised financial plan for you that can make your dreams come true… Even if you are not earning a lot it is worth coming to see us!
“Enjoy freedom to create the lifestyle you desire?” What kind of advice do I actually need?”
Your financial future rests on you being able to get out of bed everyday and earn an income. Although not having that many financial commitments; you are concerned about saving. You are focussed on establishing a career, growing wealth and getting into the property market…. which leaves you with little time to think about money…. Proper budgeting is the key – our tool builds a budget for you by extracting your income and expenses from your bank accounts into an APP on your smart phone (Visit MyProsperity)
Building wealth by investing as little as $100 a month; could create substantial financial security over time. Investing in property or buying your first home may not be that hard to achieve….When is the right time to purchase a property? While the right time to purchase a property might be simply when you can afford to, it is hard to ignore the possibility of getting in at the right time of the market. (Link to PacificEastCoast).
Financial advice can help ‘coach’ you to take ownership to build your wealth, by helping you create an investment portfolio, protect your income (by not only ensuring your car, but also your income to pay your expenses and continue saving, if you couldn’t work (link to Income Protection)); and maximise your super. Our fees are extremely affordable so even if you only have a little bit of money we can still help you.
Enjoy freedom to create the lifestyle you desire? "What kind of advice do I actually need?”
Your financial future rests on you being able to get out of bed everyday and earn an income. Although not having that many financial commitments; you are concerned about saving. You are focussed on establishing a career, growing wealth and getting into the property market… which leaves you with little time to think about money… Proper budgeting is the key – our tool builds a budget for you by extracting your income and expenses from your bank accounts into an APP on your smart phone (Visit MyProsperity).*
Building wealth by investing as little as $100 a month; could create substantial financial security over time. Investing in property or buying your first home may not be that hard to achieve….When is the right time to purchase a property? While the right time to purchase a property might be simply when you can afford to, it is hard to ignore the possibility of getting in at the right time of the market (Visit Pacific East Coast)
Financial advice can help ‘coach’ you to take ownership to build your wealth, by helping you create an investment portfolio, protect your income (by not only ensuring your car, but also your income to pay your expenses and continue saving, if you couldn’t work (See our Income Protection services); and maximise your super. Our fees are extremely affordable so even if you only have a little bit of money we can still help you.
Meeting the right person, settling down and buying my first home. "My debt levels have increased dramatically and my family is dependent on ME for everything!"
Juggling the demands of family life and facing the challenges of a career; whilst building wealth and paying down a mortgage can be daunting…Your dream of giving your children a head start in life, enjoying the pleasure of small luxuries and having that family holiday soon become out of reach… and what about the nagging thought…”When should I buy that investment property?”
We love working with young couples and families who are getting serious about their financial future. Getting proper financial advice at this early stage is absolutely critical to your future financial well-being; whether it is to manage your cash flow and budget, to reduce your debt, to establish an investment portfolio, to identify the right insurance options (for protecting your family); or to maximise your super (or managing it yourself via a Self-Managed Superannuation Fund).
We can help you buy your first home or investment property; and cut through the financial jargon; and filter issues that may prevent you from meeting your own needs and goals.
Your children are getting older, the mortgage is starting to go down (hopefully), but just as this happens secondary school fees start rolling in. Or, finally your kids are standing on their own two feet a bit more, though their tastes are becoming more expensive. Or, you have survived a divorce or re-married; and find it difficult to manage the demands of a blended family…
We can provide you with the knowledge and capability to evaluate the options and find solutions and perspectives to make good financial decisions during these life changes to continue building your wealth.
“I’m getting older” The mortgage is under control and my superannuation savings are building; though I would love a lifestyle change..."
You are enjoying the ‘mortgage free’ or ‘fairly manageable debt’ stage; though you wish to protect your lifestyle and financial security. Having fewer family commitments, as the kids are leaving home or at least you’re not paying their school fees anymore; however a range of issues begin to surface like health issues and the mental wellbeing of you and your partner, which may have an adverse financial impact on building wealth at this stage of your life. Planning for retirement or a change in lifestyle tends to change your goals and you start to focus on investment growth.
Ensuring that your money is working for you becomes crucial as you approach retirement. As a general rule we believe it is essential to create a retirement plan around age 55 to ensure your financial strategies are in place to maintain your current financial position.
We can help to guide you through the superannuation and tax maze, create a better work-life balance, reduce and manage debt, build an investment portfolio, identify the right insurance options and maximise your superannuation; for a smooth transition to retirement.
I’m getting older. "The mortgage is under control and my superannuation savings are building; though I would love a lifestyle change..."
You are enjoying the ‘mortgage free’ or ‘fairly manageable debt’ stage; though you wish to protect your lifestyle and financial security. Having fewer family commitments, as the kids are leaving home or at least you’re not paying their school fees anymore; however a range of issues begin to surface like health issues and the mental wellbeing of you and your partner, which may have an adverse financial impact on building wealth at this stage of your life. Planning for retirement or a change in lifestyle tends to change your goals and you start to focus on investment growth.
Ensuring that your money is working for you becomes crucial as you approach retirement. As a general rule we believe it is essential to create a retirement plan around age 55 to ensure your financial strategies are in place to maintain your current financial position.
We can help to guide you through the superannuation and tax maze, create a better work-life balance, reduce and manage debt, build an investment portfolio, identify the right insurance options and maximise your superannuation; for a smooth transition to retirement.
"I want to enjoy all the money I've made!"
You are managing your money and chasing investment returns; as you wish to live comfortably in retirement and do the things on your bucket list? Or you have played an active role in your retirement plan; though grew tired of the paperwork or find it difficult to deal your personal and financial affairs; and wish to still get the most out of your retirement. You are not sure how long your money will last in retirement.
Our advisers help retirees just like you; to navigate through the challenges of a reduced income, health concerns and never ending changes to superannuation, tax and social security regulations. We can help you maximise your retirement savings, reduce your debt, access social security benefits and secure the best aged care solutions.
Our full list of services
Financial Planning*
Options for investments, insurances and any stage of life.
Insurance Protection*
Estate Planning*
Also assess funeral expense options, tax effective estate planning and potential trust options.
UK Pensions*
Women & Money*
Whether you are:
- Young and would like to travel the world,
- still studying or building a career
- having aspirations to start your own business,
- getting married or planning a family,
- taking a career break,
- navigating between a challenging career and family responsibilities;
- suffering due to a marriage breakdown; or
- nearing retirement and wishing to work less
……we can help you build financial ‘savvy’ and gain control over your own finances!
Wealth Definition Pty Limited ABN 32 601 236 104 is an Authorised Representative of Count Financial Limited ABN 19 001 974 625 AFSL No. 227232 which is 85% owned by CountPlus Limited ABN 111 26 990 832 (CountPlus) of Level 8, 1 Chifley Square, Sydney 2000 NSW and 15% owned by Count Member Firm Pty Ltd ACN 633 983 490 of Level 8, 1 Chifley Square, Sydney 2000 NSW. CountPlus is listed on the Australian Stock Exchange. Count Member Firm Pty Ltd is owned by Count Member Firm DT Pty Ltd ACN 633 956 073 which holds the assets under a discretionary trust for certain beneficiaries including potentially some corporate authorised representatives of Count Financial Ltd. The information on this web page is not advice and is intended to provide general information only. It does not account of your individual needs, objectives, or personal circumstances.
General advice warning: The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.
Superannuation Reform Hub
The Budget super changes that take effect on 1 July 2017 represent the greatest changes to the superannuation system in over a decade impacting the advice strategies of our clients.
The Super Reform Hub is your one-stop shop to locating tools and updates from one easy to access place. You’ll find information to help you understand client impacts, prioritise what action you must take and locate the latest technical and client engagement tools, training, product information and essential information about writing advice.
Transfer Balance Cap
Broadly, the transfer balance cap operates by measuring the value of a client’s existing income streams at 30 June 2017 as well as any new income streams commenced on or after 1 July 2017, against their transfer balance cap.
Transition to Retirement Pensions
However, the good news is that there are a number of situations where TTR remains an effective strategy.
Non-Concessional Contributions Cap Changes
Concessional Contributions
There are a range of strategies you can consider to boost your super savings.
Ceasing Gainful Employment and Understanding Pension Supplements
The case study involves an employee, Charlie, who claims to have ceased a gainful employment arrangement with a family trust, Crackle. Charlie, subsequently accesses his superannuation under the retirement condition of release.
Send Us a Message
Wealth Definition Pty Limited respects your privacy. If you do not wish to receive any further mail from us, please feel free to contact us on 02 8968 5300. For more information about Wealth Definition Pty Limited privacy policy, please refer to our Privacy Statement
* Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.
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Information on this website is based on current regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this information, no liability is accepted by Count, its related entities, agents and employees for any loss arising from reliance on information within.
Wealth Definition Pty Limited respects your privacy. If you do not wish to receive any further mail from us, please feel free to contact us on 02 8968 5300. For more information about Wealth Definition Pty Limited privacy policy, please refer to our Privacy Statement
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