Meet our clients living the ‘healthy wealthy happy’ life today

SUCCESS STORIES WITH EVALESCO

Stop spending, see results

by Mia Taylor | 19 February 2018

What were their challenges?

Mandy was busy earning a substantial income with very little to show for it.

What did they overcome?

My client has improved some rather terrible spending habits and is now investing her surplus income. She also has clear goals which align with her values and a long term wealth management plan to work towards.

How did I help?

The biggest impact for Mandy was the ongoing financial coaching. She wanted to make some positive changes but was lacking the self control to do it alone. We set up a regular investment plan which captured her surplus before it could be spent, and mapped out a long term savings and investment strategy to work towards taking a year off from work. She also had an additional financial goal to purchase an investment property. She now has a very healthy Investment and savings account, and is on track to purchase the investment property shortly.

What did they learn that I can share?

It doesn’t matter how much you earn if you don’t have a plan for your money it will disappear with nothing left to show for your hard work.

HOW WE HELPED IN PARTICULAR

Provided ongoing financial coaching

Provided savings and cashflow advice

Created and implemented an investment strategy

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“How do I know how much money I will need to retire?”

The amount of super you’ll need when you retire depends on your big costs in retirement and the lifestyle you want. The Associate of Superannuation Funds of Australia (ASFA) estimates for a single $44,224 a year and for couples $62,562 a year is how much you may need. This is only an indicator and our advisers assess everyone’s individual circumstances.

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“Why should I pay for financial advice?”

The fees we charge for financial advice is only a fraction of the value we derive for our clients, meaning our clients are always better off after seeing us. Rarely do we encounter a new client invested appropriately for their needs, with adequate risk protection, structuring and estate planning provisions in place. Even small tweaks to a financial plan over a long period of time can result in drastically better outcomes for our clients which eclipses the fees of the financial advice. Additionally, you can opt-out of an ongoing fee arrangement at any time.

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“How do you charge for your services?”

In our discovery meeting with you our advisers discuss the initial advice fee and the ongoing fees associated with our services.

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“What is the process for getting your own personal financial plan?”

After our initial phone call to discuss why you are seeking a financial adviser, we arrange a discovery meeting that outlines what is important to you, your current position, our areas of advice, our approach. We then present a Statement of Advice (SoA) to discuss your goals and our recommendations and go through the steps of how to proceed to the implementation stage. After answering any questions you may have, you will sign the authority to proceed and complete any application forms before we implement our recommendations detailed in the SoA.

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“Should I pay more off my mortgage or put more money into super?”

One thing to consider is the interest rate on your home loan in comparison to the rate of return on your super fund. Before making a decision, it’s also important to weigh up your stage in life, particularly your age and your appetite for risk. Whatever strategy you choose you’ll need to regularly review your options if you’re making regular voluntary super contributions or extra mortgage repayments. As bank interest rates move and markets fluctuate, the strategy you choose today may be different from the one that is right for you in the future

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“How do I know Evalesco is the right fit for me?”

We know the impact of good holistic financial advice can make and we have the life experience, technical capability and quality support team that can make that difference for you. We’ve empowered over 1000 families through the delivery of great financial advice, to be healthy, wealthy and happy.

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“How will I measure the value or success of receiving financial advice?”

We believe the true value of financial advice isn’t found in dollars and cents (although this is important too!) but in the peace of mind a financial plan can provide. It’s knowing where you want to go and how to get there, with a dedicated team behind you every step of the way.