core services
Debt
Achieve Your Financial Freedom
The reality is that debt is a way of life that has to be managed well. If it’s managed well, it works better for you – rather than better for the banks.
When we talk about debt, we predominately talk about setting up efficient ways to manage your mortgage, such as offset accounts which can knock years off your loan in terms of interest repayments.
It is not uncommon to find that the only savings some people are making is the principal component of their home loan repayments.
Banks have some great tools to help you bringyour mortgage down sooner, but people aren’t taught how to utilise them.
We teach our clients, for example, to use credit cards properly for purchasing so that they can live on the bank’s money interest-free while their money is working for them in their mortgage.
Some of our tips and techniques might seem small, but we see people every day who are amazed how the savings add up and make a big difference to their cash flow. We can all do with a little less stress when it comes to our finances.
Another common period in life when personal debt can be stressful is when couples start a family. When a two-income family becomes a one-income family it can be very difficult to save as much, or save anything at all.
It’s times like this that need planning. It’s quite okay to spin your wheels for a few years, but restructuring loans during this period can really help.
Debt isn’t just about mortgages though. We help a lot of people weigh up the best way to borrow for a variety of reasons.
Even if you don’t need to borrow for a major purchase, sometimes it is a smarter option that leads to other financial benefits.
Our Core Services
Financial Expertise, Tailored to Your Needs
Wealth Creation and Growth
We work with lots of clients who know they want to take steps towards wealth creation but don’t know where to start.
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Retirement
It is imperative that people planning their retirement do some work to establish their cost of living and what other goals they have for retirement.
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Family and Asset Protection
Family and asset protection is a complex area that requires attention and planning as part of your overall financial strategy.
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Superannuation
Fennell West can guide you with your superannuation investments, ensuring adequate retirement planning.
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GPS Program
The GPS Program is driven by a passion for helping clients do something today that will get them where they want to be tomorrow.
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Debt
When we talk about debt, we predominately talk about setting up efficient ways to manage your mortgage. We help people weigh up the best way to borrow.
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Estate Planning
There’s more to estate planning than wills and superannuation beneficiaries. It’s about your financial legacy and what you want to achieve.
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Aged Care
Did you know that with the recent reforms to aged care, you may be up for $350,000 to enter an aged care facility, if and when the time comes?
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