Financial Planning

Financial
Planning

Financial planning means different things to different people. True ﬁnancial planning maps out how to get to you from where you are financially now in life to where you want to be at retirement and beyond.

No one plan ﬁts all clients. EFC Private will work with you to helping you achieve all of your ﬁnancial goals & objectives. We’ll provide solutions to suit your individual needs and wants, we help keep your plan on track by regularly reviewing your goals and circumstances, and we take it personally!

At EFC Private we understand how important it is for you to make the right decisions when it comes to achieving your financial goals. Our aim is to support you on your financial journey so that you can make the choices that are important to you.

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We will assist you to:

Make appropriate decisions
Identify your goals & objectives
Build confidence in achieving your financial goals
Stay up to date with how you are tracking towards achieving your goals
Build financial security by creating wealth, protecting your future & making tax effective decisions
Regularly review your situation & make adjustments as needed

Our advice will focus on the following important areas:

Cash flow – Getting control of it is the foundation to a secure future
Protection – We all work hard to accumulate the assets that provide us and our families with financial freedom and security. Unexpected traumatic health events like illness, accident, premature death or disability, can derail our best plans if we have not provided for them
Debt – We will work with you to find ways to reduce or even eliminate your debt on a schedule that suits you
Superannuation & Investment – An ideal investment is one that offers you long-term security and performance, is diversified for reduced volatility and is flexible to changing circumstances. We research the market to find the most appropriate options for you
Retirement – Successful retirements don’t happen by accident. They are well planned many years before you stop work & require constant planning afterwards. Our main focus is to ensure you have the income you need in retirement & to see that income last for as long as you do
The Estate Plan – It’s going to happen to us all. Make sure that your assets go to the right people, at the right time in the most tax effective way. A lack of estate planning now can have profound consequences to those that you care about

GENERAL ADVICE WARNING

Any advice on this site is general nature only and has not been tailored to your personal objectives, financial situation and needs. Please seek personal advice prior to acting on this information. Any advice on this website has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice, you should consider its appropriateness to you, having regard to your objectives, financial situation or needs.

Richard Koral and
EFC Financial Services Pty Ltd (Trading as EFC Private)
are Authorised Representatives of Consultum Financial Advisers Pty Ltd
ABN 65 006 373 995
Australian Financial Services License No: 230323
Registered Office: Suite 3, Level 8, 309 Kent Street, Sydney NSW 2000

Updated: October 2024

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