CASE STUDY
How David & Emily Went From Confusion to Clarity
Their Goals
Build Wealth
Invest their savings to grow their net worth over time.
Mortgage Management
Decide if additional savings should be directed towards mortgage payments or investments.
Financial Freedom
Develop a long-term plan that would provide financial freedom in the future.
About David & Emily
David (34) and Emily (32) are a young, energetic couple who recently got married. They have good jobs and some savings, but financial planning felt overwhelming. Social media, news, and ‘finfluencers’ bombarded them with information, leaving them confused and unsure where to start. They knew they wanted to invest their extra savings but weren’t sure if it was smarter to prioritise paying down their mortgage.
Diversified Investments
We created a tailored and diversified portfolio of Exchange Traded Funds (ETFs). These offer exposure to a variety of assets while minimising risk.
Optimised Super
We helped them optimise their super contributions. We reviewed their superannuation fund and made recommendations to higher performing funds.
Budgeting & Cashflow
We guided them through creating a personalised budget. This helped them understand their spending habits and identify areas for savings
Automated Finances
We helped set up automatic savings and investing plans which allowed them to benefit from a dollar-cost averaging, a long-term growth strategy.
The Results: Financial Clarity
Reduced Expenses
Through effective budgeting, they were able to reduce unnecessary spending and increase their savings rate by 15%.
Increased Net-Worth
Over 10 years, we projected their net worth to significantly outperform their current position, putting them well on track for financial freedom.
Passive Income
Their low-cost investment portfolio provided an additional income stream, offering greater financial flexibility.
Tax & Retirement Savings
Optimised super contributions not only reduced their tax burden but also boosted their long-term retirement savings.
The Benefits of Strategic Planning
David & Emily’s story showcases the power of strategic financial planning.
By partnering with a financial adviser, they navigated the overwhelming financial landscape, made informed decisions, and secured a brighter financial future. They can now focus on their dreams and aspirations with confidence.
If you’d like to create a plan for your own life with unbiased advice and personalised support, click the link to book a free session today
Disclaimer: This case study is for educational and general information purposes only. It does not constitute financial advice. Specific details, including names and figures, have been modified to protect client privacy.
