Our services
We understand that each person is at a different stage in their life and that their financial planning needs are completely different too. We do not believe in a cookie-cutter approach, but tailor our services and packages to what you really need. We use a digital client portal to communicate with clients, store important documents and help with tracking your goals and cash flow. Here’s more info about this portal and how it simplifies your financial world.
Below are some of the areas that we specialise in. Please reach out to learn more about these, and other services that our experienced advisers offer.
Retirement Planning
For those approaching retirement, this can be a stressful time filled with options and complex terms and strategies. Navigating this isn’t easy if you don’t understand all your options. We break down the jargon and work out a step-by-step blueprint to get you retirement-ready. We also offer ongoing support well into retirement, to ensure your long-term income requirements are met and your investments have a good balance of capital growth and protection.
Wealth Accumulation
Whether you’re considering getting on the property ladder, looking at tax effective investments or boosting your superannuation savings, starting to build your wealth may be something you’re already thinking about. Understanding (and controlling) your cash flow is the first step to ensure that your disposable income is put to good use. The good news is that there are many strategies available to start making your money work harder for you, although this can confuse people – too many options! We simplify the best way forward and design a tailored plan, which you can implement on your own, or with our support going forward.
Risk Management
Until you’ve built enough assets, have no dependents, or repaid your mortgage, you cannot self-insure. Through managing your Risk, we are simply transferring the risk that something will happen to you, onto a 3rd party – an insurance policy. This transfer of risk, can be in a tax- and cost-effective manner so that you are protected, without too much pressure on your cash flow.
Divorce or Death of a Spouse
Whether through death or divorce, there is nothing easy about losing a life-partner. It can be less difficult though, if you have someone in your corner to manage the money-part – to navigate the estate hurdles or the divorce settlement. We’ll work at your pace and ensure your short- medium- and long-term needs are met. We can work with your existing professionals, or we can introduce you to a trusted network of like-minded professionals. Together we can rebuild your life on a strong financial foundation.
Women’s Wealth
We are quite often the project manager of reviewing the family’s finances. Or perhaps you are a single, professional woman seeking your own financial future. At Steps, we want women to “get it” so that they can manage their own finances with confidence. Our passion for increased financial literacy means we have a strong education focus in our client-relationships. The confidence this brings you, is bound to spill into other areas of your life and could ultimately lead to closing the super gap for women.
Financial Literacy & Education Sessions
Through workplace programs, workshops and seminars, participants can feel engaged and empowered to greater financial awareness and confidence. Topics can be tailored to your needs and could include Redundancy, Cash Flow, Superannuation & Retirement, Women’s Wealth Strategies and Estate Planning. These sessions can be in small groups or larger sessions and can be presented in person or over video conferencing.
“Our cash seemed to flow through our
fingers. Simply put, we had terrible spending habits. Tanya of Steps Financial changed the way we approach our finances and we are now managing our finances with confidence. We are so pleased to have engaged Steps Financial and we look forward to their expert advice with each change in our circumstances.”
— ROWENA C, STEPS FINANCIAL CLIENT