Planning your future

A clear pathway
to financial success.

From time to time, we all experience moments in life when it feels like things aren’t moving in the right direction, or that you may not be (financially) where you often dreamt you’d be at this point in your life.

Seize the opportunity to reflect and acknowledge the things that aren’t quite working and embrace all the possibilities that a fresh new beginning can bring.

From our experience, most people are looking for practical ways to advance themselves financially and achieve their dreams, whether it’s:

  • Home Ownership
  • Paying off their mortgages sooner
  • Reducing the tax they pay
  • Having the right insurances in place (Plan “B”)
  • Becoming financially efficient so they can enjoy a better lifestyle
  • Providing their children with the best education
  • Creating wealth for the future and leaving a legacy for their children
  • Becoming debt free before retirement

Some people have other genuine concerns, such as uncertainty in economic circumstances, navigating the various investment landscapes, understanding policy announcements that could impact them financially, and choosing the right investments amidst the continual advancements in technology that are shaping our future.

All of this can impact you financially, so it’s imperative to stay abreast of all this change and seek the right advice from a team that’s dedicated to the financial wellbeing of their clients.

Please note that Sunlife Financial Advisory has merged with Wahlstrom Financial Services and is no longer trading under the Sunlife banner. Senior Adviser, Steve Luman, continues to work with existing and new clients at Wahlstrom Financial Services.

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Areas of service

Wealth

  • Taking control of your finances and forming the right financial habits is paramount to gaining financial control & income stability to help you stay on track. It’s easy to become tempted with impulse buying, overcommitting to business upgrades, marketing, overspending with credit, family emergencies or unforeseen expenses – all of which can quickly escalate out of control (completely understandable). Becoming financially efficient should be your number one priority, and we consider that to be the starting point for anyone seeking to master their finances and cashflow.

Lifestyle

  • Our motto Life’s better when the Sun’s out best describes our mandate of improving our client’s financial life so that they can start enjoying the things that really matter. The only way to create the life you want in the future, is to plan for it. By developing a plan that evolves with your needs as you grow through the various stages in your life, it will allow you to prepare for what’s ahead and bring you closer to your dreams. That’s where working with a financial adviser will help you. Stepping you through all you need to do today and working with you to build a framework to achieve financial freedom for the lifestyle you are aiming for. Your financial adviser is your guide, support team and coach when it comes to your money and your lifestyle.

Investments

  • With a wide variety of investment options available across multiple asset classes, unless you have a lot of time on your hands to dedicate towards research, it's often best to seek advice from a trusted source. Most people prefer tangible assets (such as property) over the intangible (such as shares), but the reality is you need to diversify and tailor your investments accordingly. A good adviser will take the time to understand the level of risk you are willing to take, your anticipated timeframes and your desired outcomes before putting together the appropriate strategies to meet those requirements.

Superannuation

  • Second only to owning your own home, Superannuation will be one of the single largest assets that you will ever own. It is by far, one of the most tax effective savings & investment schemes available to all Australians yet it is still largely ignored by the vast majority. We recognise the many benefits that Superannuation offers, in particular self-managed super funds with added flexibility, transparency and control over your own investments. Retail & Industry super funds have fallen behind in the way they manage their client’s savings (managed funds), paving the way for new fund managers that have embraced the latest methodologies and techniques to evolve and provide a better service.

Tax

  • You don’t want to be paying more tax than you have to, and the less tax you pay the more you’ll have to spend or use to get ahead. It’s important you understand tax and how you can utilise the tax rules to suit your circumstances so you can get the most out of your money. It’s time for you to be tax smart, whether it’s for you personally or your business. We can help you identify an appropriate strategy, invest tax effectively, and ensure you are being tax savvy.

Debt

  • Paying off debt is a vital part of creating a financially stable future to ensure you are living the life you want to live. It’s not always as simple as tightening the budget and paying extra onto your mortgage. Understanding where you are today and where you want to get to is the first step. Having the right strategy designed to reduce the bad debt and increase the rate at which your wealth grows should be prioritised. The key is to be working with a team that will hold you accountable to ensuring you are actively working to reduce your debt and create wealth for your future. That’s what the Sunlife team are here to help you achieve.

Property

  • Has your dream of owning your own home disappeared? Perhaps you’re considering buying an investment property but aren’t sure if it’s the right decision for you? For many Australians owning their own home has become an elusive dream. BUT that doesn’t mean you can’t get there, it just means it’s more important than ever to have the right strategies in place, adhere to a savings plan and better manage your cashflow. For people looking to invest in property, we can help you understand the associated costs and financial impact versus long term benefits to help you decide whether it’s right for you.

Insurance

  • For the vast majority, our ability to earn an income is paramount to create wealth and living the lifestyle we’re accustomed to. That’s why protecting against life’s uncertainties is sensible financial management. Insurance need not be expensive and can be structured in a cost effective way to reduce tax, protect your income, repay debts upon unanticipated death, illness or disability, and provide financial assistance for your family in a time of crisis. We consider “reducing risk” to be an important aspect of your financial plan, as well as our duty of care.

Retirement

  • As you approach retirement your focus shifts from how you are living today to ensuring you have the right plan in place so you have the freedom to do what you want in retirement. No-one likes relying on their family to support them in retirement and we all work hard, so that one day you can put your feet up and enjoy the next stage in life. Hoping will not get you there; you need to plan for it. As you near retirement the importance of planning becomes more relevant. It starts with looking at where you are today with your money and finances. Are you on track with where you want to be by the time you are ready to retire? As you step towards the next stage in your life sit down with the Sunlife team and let us help you build a plan that’s going to get you to where you want to go.

New Beginnings

“The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter into one of the most creative periods of my life.”

Steve Jobs, Apple

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Let’s Chat

We understand that every person has their own unique story. We can add a fresh new perspective to your finances, helping you make smarter financial decisions, navigate safely through the various market & investment landscapes, and make any adjustments along the way to keep you on track as circumstances change.

I'm interested in

Home OwnershipPaying off my mortgage soonerReducing the amount of tax I payHaving the right insurances in place (Plan "B")Better management of my financesSave money for my children's education/futureCreate wealth for my futureInvest my moneyBecome debt free before retirementOther

Location

Suite 2-465 Oxley Drive,
Runaway Bay, QLD 4216

Contact

admin@sunlifegroup.com.au 0414867675

Office Hours

Monday - Friday
9AM - 5PM