What We Do

Invest in yourself and your future:

We help our clients think about their lives and their future differently – to be more proactive and intentional with how they spend their time and income and how to invest in themselves, their family, communities and their futures.  While creating a Plan is an important first step, we will assist you in putting your plan into action and regularly reviewing and adjusting your plan in order to help you to live the life you desire. While our relationship with every client is unique, our coaching and advice often focus on the following areas:

Life Planning

By creating a Life Plan, our clients are able to create a vision for where they want to be in their lives and develop tangible strategies and action plans to help them get there. Our Life Plan programs are designed to help you envision your highest potential, identify your most important values and assess where you are today.  We assist in developing the necessary strategies and implementing the day-to-day steps and trade-offs to live the life that will take you towards your envisioned future.  We can provide you with the insight, experience and practical steps to guide you along this journey and to recognise the joy in the journey.

Cashflow Planning

By creating a Cashflow Plan, we assist our clients to determine key goals and highlight trade-offs between competing goals.  We often assist our clients in simplifying their consumption habits so that they can live more intentionally and focus their resources on key goals that have meaning and are aligned to their values.  We also assist our clients by investing their savings to create the financial freedom for them live the life that they desire.  We find that with our assistance, our clients are often able to arrive at their goals faster than expected and taking less risk, by identifying savings in areas that are not aligned to their values.  We also find that with our assistance, our clients are more likely to stay committed to their plans.  We do this through encouragement, feedback and by dynamically adjusting their plans as feedback and data is gathered.

Comprehensive and Tailored Financial Planning

Evidence has consistently shown, the number 1 determinant of portfolio success is typically your own emotional responses.

Research has consistently demonstrated that Investor Behaviour results in an underperformance of the markets of up to 3.52% per year over a twenty year period – resulting in a significant lower nest-egg, or significant delay, in buying a home, reducing working hours or retiring. (Dalbar 2016)

Our expertise is in educating and coaching our clients to understand their behaviour and modify their natural instincts to improve their results. By understanding these natural instincts and understanding what matters most to you, we are able to create a tailored financial plan for you, to result in a successful experience.

We provide financial advice to assist our clients at all stages of their lives.

The following are a sample of the life events that often trigger the need for our clients to speak with a financial adviser and update their financial arrangement:

  • Just graduated university or completed your trade;
  • Commenced a new job;
  • Saving for an overseas gap year or two or three;
  • Saving for a significant holiday;
  • Saving for your wedding;
  • Saving for your first home;
  • Looking to move house;
  • I’ve been retrenched or I’ve left my job;
  • Planning a family;
  • Your baby is born;
  • Your children start primary school or high school;
  • Your wanting to spend more time with the family and less in the office;
  • Your wanting to buy a beach or country house;
  • Your wanting to align your investments with your ethics or values;
  • Your wanting to plan for retirement;
  • You want to know if you can afford to retire;
  • Just retired and want to know how long my funds will last;
  • Looking to down size your home;
  • Looking to plan your estate; and
  • Your parent or loved one needs care.

We provide tailored and scoped advice in the following areas of traditional financial planning:

  • saving for home deposits;
  • reducing debt;
  • paying-off home loans early;
  • reducing tax;
  • protecting your income;
  • saving for children educational needs;
  • building superannuation;
  • building wealth outside of super;
  • saving for early retirement (before access to super);
  • ethical and socially responsible investing;
  • protecting your greatest asset and your wealth; and
  • ensuring your estate passes to the desired beneficiaries;

We assist our clients in all areas of their financial lives as outlined above. Where we don’t have the in-house expertise we work collaboratively with professional specialists, such as age care specialists, accountants or solicitors to manage the process and deliver your desired outcome.

Retirement Planning

Evidence consistently demonstrates that working with an adviser can add value.  Vanguard have published research that shows investors working with advisers can achieve up to 3% higher returns than investors by themselves (Vanguard, 2016).  And Professor James Russell from Texas Tech University cites research in 2011 that showed investors working with a retirement plan 5-10 years ahead had increased their wealth by more than $157,427 compared to those without a plan (Texas Tech, 2011, slide 41-42).

We work with clients to prepare and transition into their retirement phase. We have both the financial and life coaching expertise to provide a holistic service to our clients to ensure that they achieve their desired life outcome from their “third age”. And have the security to know that they are on a sound financial footing.

Estate & Legacy Planning

We serve our clients to assist them with their estate planning to ensure that their arrangements are in place and aligned with their last wishes.  This is more than having a Will.  It is about ensuring that assets are protected and are available to your loved ones now and into the future. It’s about ensuring that assets and income from assets are managed in a tax effective way. It is ensuring that your wishes are met, even if powers of attorney are controlling your affairs and that your wishes are respected in relation to medical needs.  We work with your accountant and solicitor to ensure that your family or powers of attorney have a team that can assist them through this traumatic time professionally and compassionately.

Many of our clients gain a deep sense of comfort and purpose from arranging to leave their assets to their loved ones and their important causes.  We can assist clients in living intentionally through advising on how to provide one-off bequests, to direct donations, and volunteering your time to important causes.  We can also assist by advising on how to make use of public and private ancillary funds and how to time your donations/contributions to optimise the benefit of tax deductions.  Your investments will provide critical resources for your key causes for many years into the future.

Contact Form

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Corporate Location: Building 6, Garden City Office Park, 2404 Logan Rd, Eight Mile Plains, QLD 4113

Email: info@mlplanning.com.au

Office Hours: Monday – Thursday 11:00am – 4pm