Welcome to Equitem
A dedicated team committed to relationships, not transactions to help you focus on life, not money
Budgeting | Investing | Insurance | Debt Management | Retirement Planning | Superannuation | SMSF
What can we do for you?
Determine your current and potential Financial Position
Provide an overall Financial Health Score
Which areas require urgent attention, and which area's are ok or could potentially be improved upon
Do you feel like you are you getting ahead, or do you never seem to have money left over?
Are you and your family adequately protected and do you have a Will in place?
Is your interest rate reasonable and are you paying off debt quickly?
Help you to manage money and budget effectively
The 50-30-20 rule
Pay off your debt sooner
Paying yourself first!
Track your spending automatically
Financial Modelling and Reporting
The modelling process will identify your current and future financial position in full clarity.
Based on your underlying budget, the modelling process integrates your surplus cash flow, combined with superannuation and non-superannuation investment asset growth, to identify at what point you will reach your financial targets, or whether further adjustments will need to be made on your path to financial success.
Superannuation, Investing and Retirement Planning
Outside the value of your home and superannuation fund balance, we need to ensure we have a diversified investment strategy that will help you to achieve your short and long term financial goals.
Unlike superannuation which is limited by law as to how and when you can access the funds, these investments will be accessible as and when you may need them.
What income are you likely to get from super and the age pension when you retire? How contributions, investment options, fees and retirement age affect your retirement income?
Determine the level of insurance you require
We will assess your current levels of insurance for any risks and recommend strategies to potentially save you money and offer better levels of protection for you and your family
How do we achieve this for you?
When you partner with us, you can be assured that we always keep your best interests front of mind.
Our zero commission flat fee pricing model is designed specifically to ensure transparency and value in every engagement.
Financial Planning License - Integrated Financial Services (2001) Pty Ltd ACN 098 271 642 trading as Equitem is a Corporate Authorised Representative (No. 243 569)of Equitem Financial Services Pty Ltd (AFSL 521769) ABN 24 636 220 427