Individual > Financial planning

Having the money you want, when you want it

If you don’t know where you’re going, how do you know when you’ve arrived? That’s an important question when it comes to your money, which is why WLM Financial has spent years perfecting goals-based planning. It’s a more logical form of financial advice and portfolio management, built around what you want your future to be.

Your finances are an important part of your life. However, each of your financial goals needs to be looked at from all angles to make sure you’re on track, while addressing points you mightn’t be aware of.

We start by understanding all your life goals and priorities. We then work with you to develop the right strategies to reach them, suggesting the products and investments that best meet your needs. With no links to institutional product providers, our goal is to deliver you the best-in-class solutions, whatever they may be.

We think it’s a sharp contrast to the traditional financial planning model based on risk profiling alone, which can lead to a client investing in asset classes that have historically shown more volatility than they may need. While averages and risk tolerances are a starting-point, our detailed modelling works with more.

Our services include everything you need and only what you want:

Honest, transparent advice –

Because we’re a privately owned fee-for-service advice firm, we are free from the pressure to recommend one product over another. We can be frank in guiding you whatever solution gets you to where you want to be. Our commitment is to you.

Strategic investment advice –

Investment isn’t about picking up a good tip now and again – there’s a lot more to it. Whether you’re aiming to spend, save, invest, borrow or give, you could invest in any number of ways, using any number of products: from managed funds to real estate, deposit products, bonds, shares, securities, derivatives or others. We’ll help you work out which ones best link to you achieving your goals. Learn more about our Investment Advice.

Cashflow and finance management

We can help design a finance structure and cashflow management system that’s tailored to you. That includes helping with your budget, setting up spending or savings accounts, and managing home, investment or business loans. Get the best structure and the best rates to help you get where you want to be. If you’re a business owner, see our section on Strategy and structure for businesses.

Retirement planning –

Everyone has their own idea of what financial freedom means. Some retire; others go traveling, play golf or spend time with family. Some keep working with their passions. Others give back to the community. Whatever calls, it’s good to know how much money will maintain that freedom, and that it’s well looked-after to go the distance with you. Learn more about our Retirement planning.

Proven technology –

Supporting our analysis and delivery behind the scenes is a suite of proven technology tools. You’ll get to experience one of these daily – the WLM Wealth Portal dashboard, giving you 24/7 access to all your important financials including investment portfolios, bank and loan balances, cashflow, wills and insurances. For businesses, ask about our Wealth Oneness Reporting Packs.

Insurance and asset protection –

It’s human nature to want to protect what’s yours. We can help you set up the right legal structures or insurances, to give you the peace of mind that everything you’ve built up is protected.

Implementation services –

We can help take the hassle out of the paperwork by implementing and managing anything we recommend: investments, super, insurance, loans, banking, estate planning and more.

Dedicated client support –

After setting up your finances the way you want them, we’re here to help manage what you want us to and to help answer any questions you may have. We care about making sure you’re happy and everything is in proper working order.