"We all have two choices: we can make a living or we can design a life." Jim Rohn
In 2007- 2008, world financial markets experienced a period of significant turbulence resulting in people losing their employment as well as homes and retirement savings. This period, known as the Global Financial Crisis (GFC), saw many people lose a quarter of their personal net worth.
It has never ceased to surprise me, how at the time I would speak with people at social events (many of who were eager to speak to me as the 'finance guy') about what was happening and how sadly some of them had to either delay retirement and other lifelong goals or in some extreme cases return to work. Why is it that many of us leave 'life' to the mercy of things we have either limited or no control over?
Why do you get up every morning? Why do you go to work? What is important about money to you? I have asked many clients these questions and am yet to be told anything about having a specific dollar amount in the bank or a particular net worth. In most cases 'money' is all about providing a lifestyle, using it as a facilitator to have meaningful experiences with loved ones or assisting to create opportunities for our children and those around us.
Central to creating the life you want is to understand your cashflow, thereby allowing you to make smart decisions both for the short and longer term. To me, this is the essence of financial planning. Cashflow or the lack thereof has the single biggest impact on our ability to be comfortable, travel, experience and create.
Now with over 10 years in financial services, I see my role as helping people to put in place simple (not to be confused with unsophisticated) strategies and structures which allow them to maximise their cashflow and ultimately focus on whatever is truly important in their lives.
I hold a Bachelor of Business from the University of Tasmania and am a Certified Financial Planner (CFP®). CFP® is an internationally recognised mark and is currently the pre-eminent representation of professional Financial Advisors around the world. I am also a member of the Financial Planning Association of Australia.
Why do I get up every morning? Why do I go to work? What is important about money to me? Like you, my answers revolve around my wife Rebecca and our two children, enjoying sports and social events as well as assisting others in my church and social community.
Adviser - Medical Financial Group
Private Client Adviser - Shadforth Financial Group
Associate Adviser - Focus Financial Group
Certified Financial Planner Financial Planning Association
Bachelor of Business (Finance and Business Economics) University of Tasmania
Advanced Diploma of Financial Planning Kaplan Professional