Financial Planning

At Earnest InvestSmart, our aim is to work with clients to set financial goals so you feel confident that your future plans are achievable. We help support you through life’s financial challenges, by assisting you to create the right strategies and execute plans to achieve your long-term financial and lifestyle goals.

Our mission is to help improve our clients’ lives, provide you with peace of mind, both current money needs and into their future, by removing money and finance barriers to their success.

Our Purpose is to help improve our clients’ lives, both current money needs and into their future, by removing money and finance barriers to their success.

Investment Portfolio Building

We help you build and manage your asset allocation based on your risk appetite and timeframes. We also offer goals based investment: short term goals with 1-2 years, medium term goals with 3-5 years, long term goals with 5-10 years or extra long term goals with more than 10 years.

Budget and Cashflow Planning

We work with you to prepare a budget and manage outgoings to put away the balance into a savings.

Superannuation Strategies

Your superannuation is essentially money put aside for your retirement, it is an investment in your future. Superannuation involves a complex and diverse range of topics including tax, investing, personal finance and retirement planning. We have tips and strategies can help you boost your super, the earlier you get on top of it, the less you need to worry about your destination, ultimately it is your income in retirement.

Retirement Planning

What is your level of confidence about retirement? At Earnest InvestSmart, we help you plan for and live the retirement you deserve. You may think what you may like to do when you retire, factors to determine when you want to retire, how much money will you need, where will your money come from in retirement, what other important matters will you need to address in retirement.

Wealth Creation

Create wealth for a financial goal can be a short-term saving plan for travelling, a deposit to buy your first home/investment property, or even a capital set aside to fund your kids’ private school fees. This could also include more complex financial goals like early paying off mortgage or early retirement.

Tax Planning and Reduction Strategies

Lower tax on your investments, i.e. tax-effective strategies may help you get the best return available, which means we can help you reach your financial goals sooner. At Earnest InvestSmart, we help you make tax work for your wealth creation strategies.

Debt Reduction and Management

To help you lower your current debt and move toward eliminating it, we work with you to get your debt under control through financial planning and budgeting.

Estate Planning

Estate planning is a key part of our financial planning process. It helps you to ensure your wishes are carried out in the event of your death. At Earnest InvestSmart, we can assist you in ensuring all relevant areas are covered. The preparation of a will, powers of attorney and the nomination of superannuation beneficiaries are all part of the process – but there is much more to an estate plan than that. Future funding through the proceeds of insurance and the tax implications that result from an unexpected event need to be properly considered. It is likely that we will require the services of numerous specialists to ensure that your estate is distributed correctly.

Personal Insurance and Risk Management

Life is full of risks and constant change. We can offer a comprehensive insurance protection options that allow you to tailor a personal insurance protection plan that best meets your current situation and one can be easily adjusted to cater for any future events. At Earnest InvestSmart, we are here to make sure your life insurance continues to keep pace with your changing needs and find peace of mind, major life events can be: start a family, the birth of a child, buying a new home, increasing an existing mortgage or change jobs.

For more information please see our Financial Services Guide