Money Management
Clarity. Structure. Calm
Practical planning for busy professionals and families — from budgeting and cash flow to investments and retirement strategy.
Start Here — Money Management Quick Snapshot
Clear steps. Calm decisions. Long-term focus.
Tailored Financial Solutions to Build & Protect Your Wealth
Tailored strategy to build wealth — with protection built in.
Debt Reduction
• Prioritise debts with a clear payoff plan
• Free up cash flow without sacrificing what matters
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Budget & Cash Flow
• Build a sustainable budget
• Improve cash flow and savings habits
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Tax Planning
• Reduce tax leakage with smart structuring
• Integrate tax strategy with your investment plan
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Investment Portfolio Building
• Build a goal-aligned portfolio
• Stay disciplined with diversification and rebalancing
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Superannuation Planning
• Optimise contributions and investment settings
• Align your super strategy to your retirement timeline
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Wealth Creation
• Set clear targets and milestones
• Turn surplus cash flow into long-term progress
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Personal Insurance (Sydney)
• Protect income and family lifestyle against disruption (income protection, life, TPD & trauma cover)
• Keep cover aligned as life changes
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Estate Planning
• Clarify beneficiaries and key legal intentions
• Align assets, super, and insurance outcomes
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Retirement Planning
• Clarify your retirement income needs
• Plan a sustainable drawdown strategy
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Investment Advice and Insurance Advice — Integrated
We align your investment and insurance strategy, so your plan works in real life — not just on paper.
Integrated advice for professionals and business owners (Sydney, in person or online).
Becky Lau | AR 289990 and IBC Financial Services Pty Ltd T/As Earnest InvestSmart |ABN 97 600 006 853 |CAR 1280689 are Authorised representatives of Lifespan Financial Planning Pty Ltd |AFSL 229892 |ABN 23 065 921 735
For more information please see our Financial Services Guide
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Take control of Your Financial Future today.
Small decisions. Strong foundations. Long-term calm.
📌 Related Resources for Your Financial Success
Explore our expert insights and financial guides to help you navigate your financial journey with confidence:
📖 Budget & Cash Flow → Aligning Your Money with Your Goals
📖 Debt Reduction → Debt Reduction Without Deprivation
📖 Tax Planning → Smart Tax Structuring (Australia)
📖 Investment Portfolio Building → A Calmer Way to Build a Portfolio
📖 Superannuation Planning → Long-Term Financial Planning
📖 Wealth Creation → Minimalist Investing
📖 Personal Insurance → Protecting Your Income vs Insuring Your Car
📖 Estate Planning → Secure Your Legacy
📖 Retirement Planning → Retirement Made Clear