Bob & Jill
Interested in creating peace of mind entering into retirement!
Our mentor program will empower you with the knowledge to protect yourself and your finances later in life and help you create the retirement lifestyle you dream of!
ONLY $99.95
Online Financial Education Designed For Success!
Here is whats included:
Detailed financial strategies, their benefits and how they could apply to you!
Market-leading tools, calculators & software to help you apply the knowledge and start achieving!
Learn how different strategies come together to create savings, minimise tax & help you achieve!
Professional help and guidance to keep you achieving your goals!
Complete our online classes and the tailored coaching projects provided and save over 40% on any personalised advice fees!
Online Financial Coaching for Retirees!
About the course
This course is led by a fully licensed financial adviser and is spread over 3 sessions, each being live and interactive with the opportunity to ask questions at the end of each session.
The course is tailored around our real-life case study Bob & Jill and takes you through their financial advice journey when preparing for retirement.
The course has been designed in stages to allow you to take things one step at a time. By staging the course into sessions our aim is to help maximise your ability to understand, develop and implement the education, strategies, and principles this course will empower you with!
Don’t worry, if you feel you need personalise help and guidance one of our planners is always there to help.
A call to action is key for your success
Designing a well thought out financial strategy involves identifying, understanding, and planning to create a system and strategy which is right for you!
Implementing what you learn is the key to success!
The sessions are strategically separated to allow you the time to contemplate, understand and implement the strategies you feel are appropriate.
Tools to help you accomplish your dreams!
At the end of each session you will receive a “Call to Action” booklet, which asks you to start the process of implementing what you have learnt to better your own situation. The booklet is accompanied by guides and step by step instructions on how the tools FINTOR provides can empower you to achieve your ambitions!
Retire comfortably with our 3 session course tailored for Pre & Post Retirees
Session 1. A step by Step guide to Cashflow Management for Pre & Post retirees!
Session 2. Protecting your Wealth & lifestyle moving into retirement!
Session 3. Wealth Management and the need to move from accumulation to distribution!
Meet Bob & Jill
About Bob & Jill
Bob & Jill have raised two boys who are now 21 & 24 and are becoming more independent. Bob and Jill have a holiday home in Rye and nice home in Melbourne’s inner east.
Bob and Jill live comfortably estimating their spending at $104,000 per annum, but are becoming increasingly concerned about their ability to afford their lifestyle long term particularly when Jill retires from teaching which is now their main source of income.
Bob and Jill would also like to help their two sons establish themselves in the property market.
They plan to retire in the next 7 years.
Assets & Liabilities
Jill earns an income of $110,000 as a senior teacher and Bob is winding down in his career earning $60,000.
Their home is worth $1.4 million and their holiday home is worth $750,000. Jill has $140,000 in super and Bob $350,000.
They have cash savings of $6,500 and have a loan of $250,000 to repay before they retire.
Projected Financial Benefits!
Created a cash flow strategy to create savings and maintain a lifestyle of $1,800 (CPI indexed) per week!
Created income to afford holiday & memberships of $12,500 per year until Bob's 80th birthday!
Structured their situation to provide $492,876 in age pension income!
Are projected to retain financial security of $954,395 at age 80
Their new retirement home never needs to be sold!
Goals Achieved!
Maintained a great lifestyle!
Paid off their home!
Created a good travel budget each year!
Created a plan to help each of their children in 5 years upon meeting specified targets!
Purchased a new home for their retirement worth $1,000,000!
Retire Happy with 3 hours of interactive learning!
Session 1 - Cashflow Management for retirees!
This 60 minute online live and interactive coaching session is run every month and is designed to coach retirees on how they can optimise their cashflow management and the life changing benefits of a well thought out banking and budget strategy!
What's Included
- How we identified Bob & Jill’s current lifestyle costs.
- How we prioritised elements of their expenditure!
- How we analysed the wealth they needed moving into retirement based on their spending.
- How we optimised Bob & Jill’s ability to control their lifestyle costs and ability to afford their retirement long-term.
- How we structured Bob & Jill’s banking to keep them accountable!
- How we automated their budget.
Session 2 - Protecting your wealth, lifestyle & legacy!
This hour of live and interactive mentoring is designed to help you gain knowledge that will be truly valuable in protecting, managing and ultimately controlling who will benefit from your legacy!
We mentor you by providing in depth insight into the personalised Wealth Protection strategies we tailored to Bob and Jill’s situation!
What's Included
- How we created emergency buffers to counteract market fluctuations.
- What investment strategies and structures we developed for Bob and Jill to visualise and account for their protection to establish the peace of mind they sought.
- How we protected Bob and Jill if either person couldn’t make a conscious decision.
- How we provided each of their estates with the most optimal protection Australian Law affords when defending their legacy against their children going through divorce, relationship breakdowns or family disputes.
Session 3 - Wealth Creation & management in retirement!
This hour of live and interactive mentoring is designed to help you gain knowledge that will be truly valuable in taking your financial position from accumulating assets, to living off the income your wealth could be generating!
What's Included
- How we identified a suitable investment strategy & structure to provide for Bob & Jills retirement!
- How we tailored Bob & Jill’s investments, super and pensions to suit both their tolerance to risk.
- How we tailored their finance to pay no tax on their income in retirement.
- How we tailored a superannuation contribution strategy!
- How we maximised social security benefits like the aged pension.
- How created certainty over the portion of income needed to fund their basic lifestyle needs
Personalised Financial Advice for Retirees
Step 3 - Personalised Advice & Plan
For those wanting one on one coaching and a personal mentor to help advise them on a suitable course of action, we have you covered. Our advice is priced competively for retirees from $3,500 for Singles and $4,500 for couples!
What's Included
Cashflow Management Advice Including:
- Identifying Your Savings Capacity
- Creating Your Personalised Budget
- Automating Your Budget
- Designing a Banking Structure to keep you Accountable
- Designing a tailored loan structure to increase tax-destructibility and reduce interest.
- Creating a tailored repayment plan to pay off your home loan fast!
Estate Planning Advice Including:
- Helping your estate avoid intestate laws
- Providing security over who can make decisions on your behalf.
- Making sure the people you’ve appointed to receive your super are eligible too by law.
- Advice on what provisions you should consider to provide your estate with the most optimal protection Australian Law affords when defending against divorce, relationship breakdowns or family disputes.
Investment Advice Including:
- Designing Your Initial & Ongoing Strategy
- Creating a Tailored Investment Portfolio
- Identifying a Suitable Investment Structure or Platform
- Strategies that consider borrowing to invest
- Managing your Tolerance to Risk
Superannuation & Pension Advice Including:
- Designing a contribution strategy to reduce tax and maximise your long-term income
- Selecting suitable products for your needs into retirement
- Maximising the flexibility of your super and pension
- Maximising Centrelink Entitlements
We also provide targeted Mentor Sessions!
Our selective mentor and coaching programs can educate you on budgeting, structuring your loans, superannuation, SMSF’s, estate planning, gearing and debt recycling. Our aim is to give you the best chance of hitting your goals!
Bob & Jill
Interested in creating peace of mind entering into retirement!!
Our mentor program will empower you with the knowledge to protect yourself and your finances later in life and help you create the retirement lifestyle you dream of!
ONLY $99.95
Online Financial Education Designed For Success!
Here is whats included:
Detailed financial strategies, their benefits and how they could apply to you!
Market-leading tools, calculators & software to help you apply the knowledge and start achieving!
Learn how different strategies come together to create savings, minimise tax & help you achieve!
Professional help and guidance to keep you achieving your goals!
Complete our online classes and the tailored coaching projects provided and save over 40% on any personalised advice fees!
Online Financial Coaching for Retirees!
About the course
This course is led by a fully licensed financial adviser and is spread over 3 sessions, each being live and interactive with the opportunity to ask questions at the end of each session.
The course is tailored around our real-life case study Bob & Jill and takes you through their financial advice journey when preparing for retirement.
The course has been designed in stages to allow you to take things one step at a time. By staging the course into sessions our aim is to help maximise your ability to understand, develop and implement the education, strategies, and principles this course will empower you with!
Don’t worry, if you feel you need personalise help and guidance one of our planners is always there to help.
A call to action is the key to success!
Designing a well thought out financial strategy involves identifying, understanding, and planning to create a system and strategy which is right for you!
Implementing what you learn is the key to success!
The sessions are strategically separated to allow you the time to contemplate, understand and implement the strategies you feel are appropriate.
Tools to help you accomplish your dreams!
At the end of each session you will receive a “Call to Action” booklet, which asks you to start the process of implementing what you have learnt to better your own situation. The booklet is accompanied by guides and step by step instructions on how the tools FINTOR provides can empower you to achieve your ambitions!
Projected Financial Benefits!
Created a cash flow strategy to create savings and maintain a lifestyle of $1,800 (CPI indexed) per week!
Created income to afford holiday & memberships of $12,500 per year until Bob's 80th birthday!
Structured their situation to provide $492,876 in age pension income!
Are projected to retain financial security of $954,395 at age 80
Their new retirement home never needs to be sold!
Goals Achieved!
Maintained a great lifestyle!
Paid off their home!
Created a good travel budget each year!
Created a plan to help each of their children in 5 years upon meeting specified targets!
Purchased a new home for their retirement worth $1,000,000!
Goals They Achieved!
Maintained a great lifestyle!
Paid off their home!
Created a good travel budget each year!
Purchased a new home for their retirement worth $1,000,000!
Created a plan to help each of their children in 5 years upon meeting specified targets!
Projected Financial Benefits!
Created a cash flow strategy to maintain a lifestyle of $1,800 (CPI indexed) per week!
Created income to afford holidays & memberships of $12,500 per year until Bob's 80th birthday!
Structured their situation to provide $492,876 in age pension income!
Are projected to retain financial security of $954,395 at age 80
Their new retirement home never needs to be sold!
Created emergency funds of $15,000 at the loan commencement and over $114,992 in funds by year 5!
Retire comfortably with our 3 session course tailored for Pre & Post Retirees
Session 1. A step by Step guide to Cashflow Management for Pre & Post retirees!
Session 2. Protecting your Wealth & lifestyle moving into retirement!
Session 3. Wealth Management and the need to move from accumulation to distribution!
Retire Happy with 3 hours of interactive learning!
Session 1 - Cashflow Management for retirees!
This 60 minute online live and interactive coaching session is run every month and is designed to coach retirees on how they can optimise their cashflow management and the life changing benefits of a well thought out banking and budget strategy!
What's Included
- How we identified Bob & Jill’s current lifestyle costs.
- How we prioritised elements of their expenditure!
- How we analysed the wealth they needed moving into retirement based on their spending.
- How we optimised Bob & Jill’s ability to control their lifestyle costs and ability to afford their retirement long-term.
- How we structured Bob & Jill’s banking to keep them accountable!
- How we automated their budget.
Session 2 - Protecting your wealth, lifestyle & legacy!
This hour of live and interactive mentoring is designed to help you gain knowledge that will be truly valuable in protecting, managing and ultimately controlling who will benefit from your legacy!
We mentor you by providing in depth insight into the personalised Wealth Protection strategies we tailored to Bob and Jill’s situation!
What's Included
- How we created emergency buffers to counteract market fluctuations.
- What investment strategies and structures we developed for Bob and Jill to visualise and account for their protection to establish the peace of mind they sought.
- How we protected Bob and Jill if either person couldn’t make a conscious decision.
- How we provided each of their estates with the most optimal protection Australian Law affords when defending their legacy against their children going through divorce, relationship breakdowns or family disputes.
Session 3 - Wealth Creation & management in retirement!
This hour of live and interactive mentoring is designed to help you gain knowledge that will be truly valuable in taking your financial position from accumulating assets, to living off the income your wealth could be generating!
What's Included
- How we identified a suitable investment strategy & structure to provide for Bob & Jills retirement!
- How we tailored Bob & Jill’s investments, super and pensions to suit both their tolerance to risk.
- How we tailored their finance to pay no tax on their income in retirement.
- How we tailored a superannuation contribution strategy!
- How we maximised social security benefits like the aged pension.
- How created certainty over the portion of income needed to fund their basic lifestyle needs
Personalised Financial Advice for Retirees
Step 3 - Personalised Advice & Plan
For those wanting one on one coaching and a personal mentor to help advise them on a suitable course of action, we have you covered. Our advice is priced competively for retirees from $3,500 for Singles and $4,500 for couples!
What's Included
Cashflow Management Advice Including:
- Identifying Your Savings Capacity
- Creating Your Personalised Budget
- Automating Your Budget
- Designing a Banking Structure to keep you Accountable
- Designing a tailored loan structure to increase tax-destructibility and reduce interest.
- Creating a tailored repayment plan to pay off your home loan fast!
Estate Planning Advice Including:
- Helping your estate avoid intestate laws
- Providing security over who can make decisions on your behalf.
- Making sure the people you’ve appointed to receive your super are eligible too by law.
- Advice on what provisions you should consider to provide your estate with the most optimal protection Australian Law affords when defending against divorce, relationship breakdowns or family disputes.
Investment Advice Including:
- Designing Your Initial & Ongoing Strategy
- Creating a Tailored Investment Portfolio
- Identifying a Suitable Investment Structure or Platform
- Strategies that consider borrowing to invest
- Managing your Tolerance to Risk
Superannuation & Pension Advice Including:
- Designing a contribution strategy to reduce tax and maximise your long-term income
- Selecting suitable products for your needs into retirement
- Maximising the flexibility of your super and pension
- Maximising Centrelink Entitlements
We also provide targeted Mentor Sessions!
Our selective mentor and coaching programs can educate you on budgeting, structuring your loans, superannuation, SMSF’s, estate planning, gearing and debt recycling. Our aim is to give you the best chance of hitting your goals!
