You don’t have to choose between them. When you’re financially fit, there’s no reason you can’t do both.
We all know what physical fitness means and what it looks like. Most of us, however, don’t know what financial fitness means or what it could possibly look like.
Financial fitness means:
• minimal financial stress in your life
• having control over your day-to-day, month-to-month expenses
• having the capability to absorb a financial shock
• being on track to meet your financial goals, and
• having the financial freedom to make choices that allow you to enjoy life.
Physical fitness and financial fitness have a similar formula for success:
• Physical fitness… eat less and exercise more
• Financial fitness… spend less and make more
Sounds simple. But if it were so simple, we’d have heaps of skinny millionaires running around!
Just like a personal trainer helps people get results when it comes to exercise, I’ll work with you as your personal financial coach and give you expert advice to maximise your financial fitness.
My financial advice and coaching will show you a very clear pathway towards financial confidence and success. I’ll use normal language without the jargon. My job isn’t to tell you what you should and shouldn’t spend your money on. It’s to provide you with a system to make your money work as efficiently as possible. You’ll learn how to be financially proactive instead of reactive. I’ll then give you the ongoing support you need to stay focussed on your goals and I’ll hold you accountable to ensure you get results.
Just like physical training, it might feel hard at first – like exercising muscles you haven’t used in a while! However, committing to, and working through, this process will be the difference between the life you want and a life of regret.
Talking money can be tough. People often worry about their decisions being judged or feel worried they don’t know enough or feel they don’t have enough money to benefit from advice. Rest assured, I’ve seen it all – the good, the bad, and the disastrous. Regardless of the circumstances and decisions made in the past, the past stays in the past… everyone can benefit from making smarter financial decisions going forward. My job is to work with you to help you make the best possible financial decisions so you get the maximum lifestyle benefits from your money.
Financial planning as it’s supposed to be, independent and personalised.
- I don’t sell anything. I’m a financial coach, not a financial product salesperson. I’m not tied to anyone, I only work for you.
- My only income comes from my clients, so you can be sure your advice is always personalised, and I’ll always act in your best interests.
- I don’t receive any commissions, percentage-based fees or referral fees.
- There is no lock in contract. You’re always in control.
- I keep my own expenses low to pass on the savings to you… no swanky office, no fancy car, just great advice in plain English.
- Simple and transparent. No hidden surprises.
- Wealth Train is the Central West’s only member of the Independent Financial Advisers Association of Australia (IFAAA).
Unlike other financial advisers, I don’t have any products to sell you (no one is paying me to sell particular investments, insurances or super funds). My advice is simply what’s best for my clients and because I don’t accept any commissions, third-party payments or referral fees, combined with a completely transparent and open fee structure, it means my clients can be 100% confident in the advice they receive.
I can help you save money on things like superannuation and investments because I’m not tied to any product providers. High fees can easily cost you 100’s of 1000’s of dollars over your working life. Keep that money in your pocket. I can show you how to manage your cashflow more effectively, so that you get the best bang for your buck and show you how various strategies can also save you 100’s of 1000’s of dollars on your mortgage.
Most importantly, I can help you avoid costly mistakes that may set you back years or even decades in your pursuit of financial freedom.
My financial advice can then help you supercharge your financial future by using your savings to grow your wealth using time-tested strategies that work. Being independent, there’s no reason for me to recommend anything other than what works. The sooner you get started the better. Don’t wait until you have lots of money to get started… start small, because time is the most powerful weapon you have when it comes to making money.
At Wealth Train, we understand the pressures of trying to juggle a mortgage, building a career and raising a family because we’re in the same stage of life.
We know that retirement planning is important, but we also know it’s not at the top of your list of priorities. That’s why we’ll do it for you.
We know that cashflow and debt management are vital during this stage of life. We know that if you can get this right now that you will instantly be on the path to wealth creation which will allow you achieve the perfect balance between living life to the full and knowing you’ll have financial freedom and security in the long term.
Our mission is to work with young professionals like you to help you create and implement strategies to make the most of your money which you work so hard to earn. With wealth coaching, we guide your financial decision-making by showing how different financial scenarios can play out, so you can be confident you’re heading in the right direction.
While life is for living, we must acknowledge that things can go wrong. That’s why we also tailor personal protection insurance specifically to your needs. As we accept no commissions, you can be assured you’re not going to be railroaded into buying insurances you don’t need!