A quality financial plan is one that’s personalised to you and prioritises your goals and lifestyle. It's important to have a plan to reach your goals, otherwise it's unlikely that you will get there.

A financial plan can encompass every stage of your life: buying your first home, investing your money, ensuring your kids are set-up for the future, planning your retirement and more. The beauty of financial planning is that there are endless roads you could take! Our team is here to simplify the process, rebalance your finances and build a plan that focuses on how you want to live.

✓ Your first appointment (within two working days of initial contact): We sit down with you to get a clear picture of your life and your goals! It’s an important part of our journey with you, as it provides us with an understanding of your background and helps us design a tailored financial plan for your specific goals.

✓ Research and planning: Our expert advisors will then design a financial plan that prioritises achieving your goals - whatever they may be. We do the research required to make the right recommendations for you, based on our years of experience as well as benchmarking tools with over five decades of data.

✓ Presentation: We then present the plan to you and show you the strategies we believe are going to achieve your specific goals. We take the time to make sure you are clear on the plan and feel confident about the next steps.

✓ Action: The real value of a financial plan comes when it’s correctly and fully implemented. When you are ready to get started, our team will take you through the details, manage the paperwork and ensure your plan is actioned correctly.

✓ Regular check-in: We’ll check-in regularly to review your plan and make sure it still suits you and your life stage. We're here to remind you of what’s important and celebrate each success along the way.

If you want your money working harder for you (and not the other way around), making smarter choices about investing will help you grow your wealth. An evidence-based, diversified investment portfolio can offer a great return and help you build wealth for your future.

Agate Financial Advisors apply our years of investment experience to creating an effective investment strategy for each individual - even if you are keen to start small. We build our strategy around what you want to achieve, your risk ‘comfort-level’ and what asset types would be appropriate for you.

Our recommendations are backed by independent research and evidence-based analysis, so you can be confident in your investment strategy.

Every goal starts with your cashflow. Cashflow is the King! It doesn’t matter if you’re earning $10,000 or $100,000 a month, we all need efficient cashflow management. If you’re spending more than you’re earning, you will end up eating into your savings or investments and possibly run out of money.

Our founder believes that managing cashflow effectively and efficiently is an important aspect of our lives. If you’re not sure where to start, having an expert by your side can help provide some much needed clarity.

At Agate Financial Advisors, we focus on re-balancing your finances and finding the best way to get your income working in your favour: paying off your debts, building a first home deposit or investing for the first time.

No one likes talking about insurance but it’s an important pillar of everyone’s financial health. While most understand the importance of car or house insurance, people often miss the benefits of insuring your ability to make an income or making sure you and your family are looked after should the worst happen. It’s important that your personal insurance matches your life and can be relied on when it’s needed.

Agate Financial Advisors will review your needs and quantify the level of insurance you would need. We then recommend effective personal insurance, no matter what stage of life you’re in. We recommend the cover that’s right for you and ensure you aren’t paying for insurance you don’t need.

We’re not insurance salesmen: our focus is on making sure you and your family are protected and looked after.

Retirement is not the function of age - it’s the function of the health of your finances. You might love what you do, and that will affect when you choose to retire. We are of the belief that retirement should not be dictated by age, but by your choices and goals. If we can help you to create a passive income that matches or exceeds your current cashflow, it allows you to retire when you want to.

It’s important that your retirement isn’t spent worrying about money. Having enough to enjoy your retirement is all about planning - and we’re here to help.

✓ How much you need: The first thing we ask our clients about retirement is: if you had a free day, how would you spend it? The answer to that question gives us our first indication of what you might like to do in retirement. Our team will then help you quantify how much you will need to support the way you want to live in retirement. We have some amazing forecasting tools to help you see this in real time.

✓ Superannuation: We put together a strategy for your superannuation and how to grow your nest egg. We will go through how to maximise your contributions, track down lost superfunds and ensure you are not paying for multiple funds.

✓ Investment: We put an investment strategy together to get your money working harder and smarter for you. We’ll track important milestones along the way so we know we are reaching the income targets we planned.

✓ Risk Management: As you get closer to retiring, we’ll help you create required liquidity in your finances as well as manage risk in line with your retirement goals.

Many Australians don’t have a ‘Will’ or any plan for how their assets will be handled after they have passed. Transitioning your wealth to children or beneficiaries is about much more than how much you leave them in your Will - there are legal and tax ramifications to consider as well.

Agate Financial Advisors will guide you through the factors that influence how effectively you pass your nest egg onto your loved ones. Our priority is to ensure that your estate plan is aligned with your wishes and the legacy you want to leave behind.

That’s okay! If you’re keen to make some headway with your finances, but aren’t sure where to start, get in touch with us! We’ll have a look at your current financial situation, income, debts and expenses and talk you through how we can help you achieve your financial goals. This takes us anywhere from 30 to 60 minutes in person or over the phone, whatever works for you.

Some people might find managing their finances a stressful experience - we don’t mind! In fact, we specialise in re-balancing your finances to give you back clarity and peace of mind.

In our first appointment, your advisor will talk you through how we can add value to your unique circumstances.