Our Wealth Philosophy

Spend less than you earn

Spending time to understand your current cashflow position could be the most important investment you ever make – and it’s absolutely free! Try our recommended budget planner.

Have a plan for emergencies

Financial savings goal #1: Have enough money easily at call to cover smaller unexpected emergencies. 

Also, ensure that if something unexpected happens to you (say, you’re off work for a while due to being sick or injured), you and you’re loved ones will be financially secure. Here’s how we can help.

Manage debt intelligently

Debt is a useful financial tool that enables us to achieve our dreams faster…but not all debt is created equal. Minimising debt repayments for personal expenses boosts cashflow and builds capacity to invest to build wealth. We’re passionate about managing debt well to help you get where you want to go.

Map your investment pathway

It’s simple really, whatever we do, the chances of success are greater if we start out with a good plan. Talk to us about clarifying your investment goals and creating a tailored investment plan just for you.

Prepare for retirement

Often our superannuation is our largest asset outside of our house. Even if you have no other investments, making the most of your retirement savings is crucial later in life, and there’s no time like the present to get organised!

Manage your retirement nest egg

These days many Australians will spend over 20 years in retirement! It takes careful consideration and planning to balance short term retirement goals (travel? a new car?) with longer term goals such as managing your health and covering your living costs for the rest of your life.

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person.You need to consider your financial situation and needs before making any decisions based on this information. 

These links have been provided with permission for information purposes only and will take you to external websites, which are not connected to JC Finance and Advice Pty Ltd or Charter Financial Planning Ltd in any way. Note: JC Finance and Advice Pty Ltd and Charter Financial Planning Ltd does not endorse and is not responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.