• liberum financial

    (financial freedom)
  • liberum financial

    Having financial freedom means different things to different people.

    For some – it’s the idea of being able to fly away when they want, where they want. For others, it’s having certainty that they can live modestly throughout their retirement and be cared for in their later years.

    Whatever financial freedom may look like to you, to achieve it – you will either need to find a way, or make one.

    aut viam inveniam aut faciam

    (I will either find a way or make one)

    Hannibal

    our approach

    outcome based

    We are an advice-based business which is focused on helping clients achieve their long term financial goals. Quite simply we are totally focused on you, our client.

    personalised

    Our principal product is advice – if we recommend a product it is because it is in our clients’ best interests.

    privately owned

    We are privately owned. It is core to our offering that we only use highly competent research people to ensure only the best solutions are offered to our clients.

    Financial planning is not a one-size-fits-all commodity.

    We recognise that different people require different financial planning advice to suit their individual circumstances.

    We take a Mundus Novus (new world) approach to financial planning.

    Advice that is founded in the fundamental concept of putting your wants and needs first.

    Advice that is grounded in honest and meaningful conversations.

    Advice that is ‘outcomes’ based and unique for your very personal and individual financial objectives.

    what we do

    facere
    (make)

    facere
    (make)

    identifying personal, business and investment strategies to improve your income position

    crescere
    (grow)

    crescere
    (grow)

    creating investment strategies to improve your position in the short, medium and long term aligned to your goals

    recludam
    (leverage)

    recludam
    (leverage)

    determining if your current debt structure is appropriate and if debt can play a part in your wealth creation

    tueri
    (protect)

    tueri
    (protect)

    considering if there are better ways to mitigate your personal and investment risk given your circumstances

    utor
    (enjoy)

    utor
    (enjoy)

    helping you work towards creating the lifestyle you want to enjoy in retirement

    conservare
    (preserve)

    conservare
    (preserve)

    ensuring that your assets are passed to the right people, in the right way, at the right time under your estate

    how we can help

    No matter your stage of life, we’re here to help you achieve financial freedom, because nothing comes from nothing.

    We work with you to provide clarity, peace of mind and confidence in your financial future in a number of ways.

    pecunia, si uti scis, ancilla est; si nescis, domina

    (if you know how to use money, money is your slave; if you don’t, money is your master)

    From the Blog

    Homing in on your retirement wealth

    The ‘great Australian dream’ of home ownership is fairly widely accepted these days. It’s seen as natural to want to own your own home – or more specifically, a stand-alone home on a quarter acre block. But when you ask people why they want to own a home, it gets a bit more complicated. Things like security to raise a family, the ability to renovate and decorate, and the freedom to own pets are often cited. But those objectives shift when you’re heading towards retirement. That’s why it’s important to think about the role that homeownership plays in your overall retirement plan.

    From the time you buy your home, to the life of your mortgage and beyond, the way you deal with your home as an asset can have a big impact on your quality of life once you’ve retired.

    Read More

    Travel destinations to get the most bang for buck

    Aussies love travelling overseas – it’s a simple fact. According to ABS stats, more of us head abroad for our holidays than ever before (ABS, 3401.0). This is despite the fact that the Aussie dollar hasn’t fared too well of late, making it more expensive for us to get our hands on other currencies to make purchases at our destinations.

    So how does one afford an overseas holiday with an underperforming Aussie dollar? It’s not necessarily about resorting to hitchhiking and staying in backpacker hostels. Rather, it’s about being smart with your choice of destination. There are a number of countries around the world where luxury hotels, shopping and local activities are still affordable for Australians.

    Read More

    Keeping your financial partnership on track

    “While money can’t buy happiness, it certainly lets you choose your own form of misery.”

    Groucho Marx might have been joking when he said this, but there’s no getting around it: money is a prime source of tension in marriages and domestic partnerships right around Australia. A survey by Relationships Australia found that 70% of couples are affected by disagreements about money. 84% of respondents said money troubles would be more likely to push people apart than bring them together. Cooperating on financial matters is well worth it for most couples. It’s not just your bank balance which will benefit from working together. Working through money issues with your partner can help develop communication skills, improve bonding through a sense of teamwork, and set up shared values to pass on to children.

    Read More

    get in touch

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