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CASH FLOW PLANNING

Know where your money goes and how to make it flow better.

ELIMINATE FINANCIAL UNCERTAINTY

ESTABLISH GOOD SPENDING HABITS

ACHIEVE LIFESTYLE ALIGNMENT

CREATE A BALANCED AND FULFILLING LIFE

Cash flow planning is the process of creating a detailed budget and financial plan to manage income, spending, and savings. It involves investigating where your money comes from (wages, investments producing dividends or rental income, Centrelink pensions) and going out to pay expenses. Pinpointing areas of excessive spending and devising a roadmap to enhance overall financial stability and savings - through better money management, income opportunities and investment strategies.

WHY MANAGING YOUR CASHFLOW IS IMPORTANT

  • Financial Clarity: Cashflow planning provides a clear, organised overview of your income and expenses.

  • Budgeting Precision: It empowers you to create accurate budgets, ensuring you allocate funds efficiently and avoid overspending.

  • Goal Achievement: Cashflow planning helps you align your financial goals with actionable steps, allowing you to track progress and make adjustments as needed.

  • Debt Management: By visualising cash inflows and outflows, you can strategically manage debts, prioritise payments, and work towards debt reduction.

  • Emergency Preparedness: A well-structured cashflow plan includes emergency provisions, helping you build a financial safety net for unexpected events.

  • Investment Opportunities: With a clearer understanding of available funds, you can identify investment opportunities and allocate resources to potentially grow wealth.

BUT WAIT… THERE’s MORE

  • Decision Confidence: Cashflow planning facilitates informed decision-making, enabling you to assess the financial impact of choices before making them.

  • Stress Reduction: By eliminating financial uncertainty and providing a roadmap for financial success, cashflow planning reduces stress and enhances overall well-being.

CASHFLOW PLANNING AT ANY AGE

FREQUENTLY ASKED QUESTIONS ABOUT CASHFLOW PLANNING

  • A Financial Planner can play a pivotal role in assisting with budgeting and cash flow planning by providing valuable insights and strategies to optimise your financial stability and growth. By working closely with you, a Financial Planner can create a tailored budget that is unique to your financial situation and goals, taking into consideration various aspects that contribute to your financial well-being, including income sources, expenses, investments, debt repayment strategies – all designed to help you on a path to wealth creation success.

  • Budgeting and cashflow planning are instrumental in achieving both short-term financial milestones and long-term objectives, such as retirement planning and wealth preservation. By working with a Financial Planner, you can align your budget and cashflow plan with your financial aspirations, breaking down larger goals into achievable steps. Effective budgeting helps allocate resources to wealth-building investments, accelerating your journey towards financial independence.

  • Regular reviews of your budget and cashflow strategy with a qualified Financial Planner are essential to accommodate life changes, adapt to economic shifts, and ensure your financial plan remains on track.

    If you’ve recently experienced some major life changes such as marriage, parenthood, career changes or other events that affect your income and expenditure, then it’s a good idea to speak with a Financial Planner, who can hep adjust your budget and cash flow plans to accommodate your current financial situation, savings and investment goals and expenses.

What Our Clients Say About Working With Us

We have known Jared for a number of years. He has provided us with good, sound advice in the lead up to our retirement as a self funded couple.

Jared has saved us or made us more than his costs in investment returns and Superannuation advice. He is good at understanding our requirements.

We would recommend Jared to any person looking for friendly advice.

Bruce and Liz - Bellingen

Jared seems to be on top of what strategies meet our needs. He is always ready to offer us information and advice on any questions we ask. Sometimes he gives advice on things we were not aware of.

Margaret - Macksville

Jared was so easy and comfortable to deal with. It’s fair to say that both my husband and I have fairly poor financial knowledge - which is why we sought Jared out, who had come highly recommended to us. He communicated complex processes simply, and I was never made to feel stupid when I asked my many stupid questions. Jared advised and guided us in areas of our finances we had never considered. Since our time with Jared and his recommendations we feel increasingly confident in our financial future. We highly recommend Jared and are forever grateful for what he was able to implement for us.

Donna - Toormina

I’ve been dealing with Jared for a few years now and am very satisfied with all his advice and handling of my affairs. Great at what he does and all round good bloke.

Deborah - Woolgoolga

Jared has been so easy to deal with from our very first communication together. I went to him with little knowledge about what I needed and he very quickly explained things and gave me options in a language that I could easily understand. He provides advice based on what is best for my situation and always gives me options. I trust him to handle my family affairs and it has taken a great deal of weight off my shoulders. He responds quickly and makes the whole process as easy as possible.

Carly - Woolgoolga

Jared explains financial matters clearly and displays an excellent understanding of all. He is honest, reliable and conscientious and a pleasure to deal with. I would highly recommend his services.

Kay - Woolgoolga

Jared is very easy to talk with, always prepared to listen, and very professional. He has great knowledge of many products & services, and provides excellent advice on all products for our needs. He is prepared to go that little extra mile to ensure the right options for us before proceeding. We are happy to have Jared taking care of our financial situation. Always happy with his professional approach.

Ian - Boambee

Jared has always been professional and provides excellent advice for our particular needs. He is always prepared to go the extra mile to research a variety of options.

Brian & June – Nambucca

get started with CASHFLOW PLANNING

Effective cash flow management demands dedicated effort, meticulous attention to particulars, consistent monitoring, and firm financial discipline. Without it, it can be a slippery slope towards struggling financially.


Prioritising your cash flow management provides valuable insights into your expenditures and highlights areas where your investments and savvy saving techniques yield fruitful results.

Our team are experts in budgeting, finding untapped financial opportunities, saving tax, growing nest eggs, superannuation planning and how to be meticulously good with money and the monitoring of it.

If you need help setting up a budget and finding your financial discipline for cash flow management.

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