Ben and Claire have recently married and just had their first child. Ben works as an IT software developer supporting the family while Jade is on maternity leave at home. They have commenced making mortgage repayments on their first home.
The couple identified a few areas of their finances that they had questions about:
+ They have some spare cash flow each month that they would like to start putting aside to save for their children’s education.
+ They are concerned about what might happen if Ben was injured or unable to work for an extended period of time.
+ They are still using the same industry Super Fund from when they first started working at a restaurant and wanted to know if there were better options available for their Super
They arranged an obligation free appointment with their Endorphin Wealth Management Wealth Advisor to discuss their questions. Their advisor was able to educate them into the benefits of investing their surplus money using a regular savings plan and was able to forecast several scenarios for them including different amounts and also using a tax effective gearing strategy.
The advisor was also able to calculate the appropriate level of personal insurance the couple should have to insure their family in the event that something going wrong. It turned out the default insurance cover they had as part of their industry Super Fund really wasn’t enough for their actual family circumstances.
Finally, the advisor was able to review their current Superannuation fund and investments held within the fund. It was apparent that the fund was underperforming over the last few years and Ben mentioned that he wished he had greater control over the specific investments. The advisor was able to run comparisons on the fees and previous returns of many funds that would enable the couple to gain more control over their Superannuation investments and align the investments to be more suited to their needs.
Ben and Claire are now well on their way to their savings goals for their children’s education and much more relaxed knowing that their family’s finances are protected. Their Superannuation has been rolled over to a fund that gives them more control over their investments and their advisor pays close attention to the investments they are holding.
What our Clients Say
Robert Rich is a gun and has been a pleasure to work with, he spent a lot of time asking questions and listening to both my husband and I to get a deep understanding of our current financial situation of who we are and where we want to be. His advice has been comprehensive and easy to understand. The genuine interest and enthusiasm he has demonstrated has made the whole experience to date, fun and engaging (it has also been awesome to see some great financial results!). Rob is a great communicator and is always available to chat, meet up or respond to an email. We wish we had seen Rob earlier, and plan to have him as our advisor now and into the future, I have and will continue to recommend him and his services.
- Ellen Bond
Rob has been fantastic helping us set all our financials in order. We didn't want to have to worry about any of this stuff day to day. Rob put together a set and forget strategy that will see us in good shape for the future. Good guy, good advice, great help. Thanks again Rob
- Andy Wright
My husband and I had a wonderful experience with Rob. He is genuine and honest. He has done amazing things with our finances to ensure our future is set up the right way. He has gone above and beyond our expectations. I highly recommend Rob, he is an expert in his field.
- Anthea Husing
love working with Robert. He is highly skilled, practical and empathic. Nothing is a problem and he goes ‘above and beyond’. I have no hesitation in recommending Robert as an excellent financial advisor.
- Rebecca Carter
Robert has managed our finances over the last 12 months as if they were his own. He has an eye for detail and is incredibly enthusiastic. We have recommended him to all our friends & family.
- A. Miles
Rob has handled our finances for some time now. He provided us with sound advice and options. I highly recommend his services.
- Mathew Quinton
Robert Rich provided me excellent financial advice and assistance in finding the right insurance for me. He was incredibly patient, and I'd recommend him without hesitation.
- Edward Murrell
Rob has been helping me with my finances for just over 12 months now and i couldn't be happy, he is a wealth of knowledge and is amazing at what he does.
- Paul Scott Ray White
Phillip and the team provide quality advice. They carefully explain the available options and clearly set the client's interests as the priority.
- Jon Sutton
Rob has provided fantastic advise and clarity to myself and clients
- James Ruddick
Great guys! Amazing financial advice.
- Jay Boston
I cannot say enough about their professional manner and would highly recommend anyone I know to seek their services
- Heather B
Your knowledge of the financial market is up to date and your approach to my portfolio has been proactive
- Michael S
Thanks to Endorphin, I am now on the path to that dream of mine
- Jake F
The plan has definitely made a big difference to my lifestyle
- Josie W
It has been quite exciting and very comforting to have Endorphin looking after my financial future
- Susan A
They provided me with a sense of direction and security that I did not have previously
- Michelle C