Salary
How do you spend what you earn?
Whether you are saving for a large purchase, wanting to establish a budget, wanting to increase your savings or are simply plodding along – working with a professional financial adviser can help set a plan to manage your finances to see you achieve your goals and live the life you want.
At Cultiv8 Financial Advisers our plans consider more than just the money in your bank. We look at your life, how you currently earn and spend your money, what you are doing now, what you want to do soon and what you want to do in the future.
After fully considering your individual circumstances we work with you to develop a strategic plan that will set you on the path to effectively managing your income to realise your goals.
Salary Packaging
Many workplaces have approved benefit items that can be accessed by employees through salary packaging arrangements.
If you are looking to lease a car, access approved memberships, access childcare of participate in employee share schemes as part of a salary packing arrangement, Cultiv8 Financial Advisers can work with you to identify the best way to structure your existing salary to meet your needs.
Super
Your superannuation is what will support you through your life after you leave work.
Effectively planning and managing your superannuation with a professional financial adviser can help you ensure that you have sufficient savings to meet your day-to-day needs and special retirement plans.
At Cultiv8 Financial Advisers we look at what your super is doing right now, consider what you want to achieve in retirement, and develop a plan to make it happen.
By establishing an effective superannuation strategy you will help work towards living the retirement you want.
Let’s Plan for your Financial Future.