Money Intelligence Advisory

 
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Money Intelligence Advisory

Everyone’s financial goals and life circumstances are different. We believe each person is unique and requires specific planning and mentoring.

We love what we do. Our skilled and experienced team will help you tailor a plan based on your individual circumstances and desired outcome. We’ve served some of Australia’s leading figures in the design, architecture and creative industries, and have enabled them to build and secure their wealth for retirement.

 

 

Tailoring the perfect financial strategy for your unique goals

 

 
Tailoring the perfect financial strategy for your unique goals

The fact you are here shows you are committed to growing and transforming your financial life. We want to help you. We specifically want to help our generation - Gen X - who have reached middle age to realise they don’t have enough investments and/or super to retire on. We want to work with you to take control of your money and secure your retirement by:

  • Providing you with an actionable and sustainable financial plan to help build your personal and business wealth.

  • Mentoring and supporting you through the whole process and decision making.

  • Implementing and putting in action the best possible financial plan to fit your needs.

 

Our Services

Take control of your retirement money – continue the lifestyle you enjoy

It is never too early to start planning your retirement. Superannuation is an investment in your future. You cannot rely on the government pension to fund your retirement; you must be proactive and design your retirement strategy now so you can enjoy your current lifestyle when you are no longer working.

But there’s no need to feel overwhelmed and do it alone. We’re the go-to superannuation and SMSF specialist advisers, here to show you how to build your wealth sustainably. We specialise in superannuation advice, SMSF set-up structures, and SMSF financial advice and administration, so you can meet your retirement income needs.

 
SMSF structure Advice

SMSF structure Advice

We consider your personal circumstances to design a structure that’s right for you.

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SMSF Financial Advice

Before you embark on the SMSF journey, we create a solid strategy. This involves drafting a financial plan and ensuring the numbers add up. Your strategy will depend on your income, personal expenses, super contributions and insurance within the fund.

Superannuation Advice

Superannuation Advice

We provide salary packaging advice, including how much you can salary sacrifice and save in income tax. We help you consolidate all your super funds into the one fund so you save on management fees.

 

How we work with you

We show you how to grow, plan and design your life to achieve financial freedom. This is our process:

 

The phone call

The phone call

We begin our partnership with you with a 20-minute phone call. This is to establish your needs and goals, and to determine whether our values are aligned. If you are ready to grow and transform your financial life, we will offer you the skills and expertise we have built over the past 25 years.


The financial strategy session

We take your journey to the next stage by conducting a financial strategy session. Our proactive, personal and focused approach gives you clarity on your personal and business financial situation, and allows you to clear your mind so we can work on your big picture plan.

The financial strategy session

SML (Small, Medium, Long-Term) plan

The SML (Small, Medium, Long-Term) plan – put the plan together

Your SML plan incorporates all aspects of your personal finances: how to pay down your home loan faster, how to use your home equity to build your property and investment portfolio, how to increase your super fund balance, how to set up your self-managed super fund (SMSF) and supercharge your retirement goal to 20 years, and how to protect your assets through insurance and appropriate legal and tax structures.

The SML Plan

Short-term

Home loan debt reduction plan.
Business and personal budget plan.

Medium-term

Tax-effective structures plan.
Insurance and estate plan.

Long-term

Investment plan shares, property, land, car parks, etc.
Retirement plan – SMSF/super.


The SML plan – implementation stage

Now, it’s time to implement your SML plan. This may involve setting up your self-managed super fund (SMSF), applying for insurance, implementing tax structures to protect your assets, or setting up a fast home-loan payment strategy. Don’t worry, you don’t need to do much here – this task is in our capable hands.

The SML plan – implementation stage

The SML plan – ongoing review

The SML plan – ongoing review

We want you to succeed and fulfil your goal of financial freedom within 20 years. We know life is not a straight line. To ensure you keep on track, we review your financial performance yearly, biannually or quarterly, depending on the complexity and work involved. The review process also allows us to make adjustments in line with changing circumstances and goals.

Contact us

Contact us

Contact us to organise an initial 10 minute call

Money Intelligence Finance Pty Ltd

Is a Wealth Advisory Practice founded by financial strategist, author and CPA Susan Wahhab and financial planner and CPA Wendy Kayal. As authorised representatives of Wealth Today Pty Ltd (ABN: 62 133 393 263), AFS Licensee No. 340289, we provide financial planning, SMSF advice, insurance and investment advice.