I help people in their 20’s and 30’s make smart decisions with their money.

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Who I help

If you cringe every time you hear an avo on toast joke I might just be able to help you.

I work with young people looking to improve their financial situation.
Everyone has their own frustrations and goals with money however some common ones I hear from clients are:
  • You’re starting to earn good money but struggling to save for your first home
  • You don’t have a clue about money and not sure where to start
  • You have credit cards and loans that never seem to reduce
  • You’re looking at options to invest but confused if property or shares are right for you
  • You’re flat out during the week with work and don’t want to spend your weekend researching your options and doing life admin

#graduation

#graduation

#travel

#travel

#firsthome

#firsthome

#justmarried

#justmarried
We’re young, our finances aren’t supposed to be perfect, we’ve all made mistakes. Luckily time is on our side 🙂

How I help

Not sure what a financial adviser does or how I can help? You’re not alone and no, I don’t just work with rich people to make them richer!

#skilife

#skilife

#vanlife

#vanlife

#nodebt

#nodebt

#pregnant

#pregnant
A financial adviser works with you to figure out what you really want to do in life, determine if there’s a connection to money and come up with a financial game plan that you’re keen on.

 

Once your plan is implemented and you’re on track, we can work together to keep you accountable and make sure you stay on track.

 

Or not, sometimes ongoing advice just isn’t required if you’re confident you can stick to the agreed plan. I aim to give you the knowledge and tools to make good money decisions without me in your corner.
It’s definitely not a get rich quick scheme (run from these), instead, we work together on some key areas to get results now and over the long-term.

But how?

Spending plan

Cash-flow and bank account structure is key. We’ll come up with a plan to do fun stuff now whilst saving for the future. Sacrifices most likely will need to be made, but none that are important to you.

Property plan

Parents, sharehouse, renting. They definitely all have their pros and cons but they may not be a long-term solution for you. We’ll work together to get you on the property ladder if that’s a goal you have.

Investment plan

Cash, shares, property. There’s no right investment strategy rather one that’s right for you. Risks will have to be taken to get higher returns, but no more than you’re comfortable with.

Debt plan

Credit cards, car loan, Afterpays, mortgage, investment loans. Debt can both be bad or good(ish). We’ll come up with a plan to get your debt under control.

Tax plan

Tax is unavoidable and always will be. Nobody likes overpaying, let’s make sure you’re not paying more tax than you need to. 

Retirement plan

Sure we’ll get your super sorted but waiting until 60 for this “pot of gold” to retire doesn’t sound too fun to me. We’ll work on a plan to retire or cut back work at an age that excites you.

Lifestyle protection plan

If you can’t afford to quit work today forever, there’s a good chance you need insurance. We’ll come up with a plan to make sure you and your family have just enough coverage so that money isn’t a concern should something happen.

Estate plan

It sucks to think about but once in place it can save a lot of headaches down the track for you and your family. We’ll help you identify your estate issues and get external legal help where required.

About me

Hey! My name’s Kyle, thanks for popping in 🙂

As I’m the adviser you’ll work with on your financial journey I’m guessing you’d like to know a bit about me.
Credentials
  • Bachelor of Commerce (Finance)
  • Master of Financial Services
  • Certificate IV in Finance and Mortgage Broking
  • Tax (Financial) Adviser
  • Justice of the Peace

6+ years helping people with their money at various accounting and financial advice businesses in Sydney and the Central Coast.

Random facts
  • Newcastle born and bred and now somewhat of a nomad between Sydney and Newcastle
  • Sports tragic
  • Ski holidays are my favourite
  • I geek out on all things finance and most likely explains why I don’t have more fun things to list about me

Why me

I’m the only independent financial adviser in Australia who specialises in working with young people.

No links to banks

I have no links to banks, insurance companies or super funds and am a member of the Independent Financial Advisers Association of Australia (IFAAA).

So how does this benefit you?

It means the only person I work for is you and where a product is required for your plan, all options are on the table and assessed on their merit.

No commissions

I don’t accept commissions or asset percentage-based fees. Ever.

I charge a fixed fee which is based on the work we agree we will do together after our initial meeting.

So how does this benefit you?

I get paid the same regardless of the advice I give.

Invest in cash, property, shares, super. Pay down your debts. Take out income protection insurance. Blah blah blah.

There are so many paths to take when it comes to someone’s financial situation. I’m passionate that charging a fixed fee with no commissions is the best way to remove conflicts so that all paths are considered with no bias.

I'm a millennial too

I’m a millennial as well and specialise in working with people like us.

When I was 18 and in my first year at uni in Newcastle I owned some shares and had a few questions. So, I got my paperwork, went to Charlestown and walked into two of the bigger advisory businesses in Newcastle. I asked if I could meet with an adviser. Long story short I never got the chance.

Traditionally financial advisers have worked to make rich people richer and neglected millennials who I believe need advice more. I hope to help change this by working with young people looking to improve their financial situation.

Blog

Your Millennial Money

Uncategorized
July 20, 2019

What’s so bad about commissions anyway?

If you ever chat to me about financial advice you'll quickly realise I'm super passionate…
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Uncategorized
June 28, 2019

URGENT: Haven’t contributed to super in 16 months? Think about this…

I was going to post this a lot earlier however figured as it doesn't affect…
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Uncategorized
June 16, 2019

Friday Q & A – What are the downsides of index funds?

Question What are the downsides of index funds? Answer Firstly, sorry I'm a bit late…
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Contact

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