Treysta

Responsible investing is more than just a trend. It's a reflection of our changing world and the growing curiosity about how our money can make a difference.

You might have heard of ESG investing but do you know what that means? Here's the breakdownL

- Environmental sustainability: Allowing you to support companies and initiatives that prioritise environmental sustainability.

- Social impact: Considering social factors such as human rights, labor practices, and community impact.

- Governance and ethics: Evaluating the governance practices and ethical standards of companies.

Naturally, responsible investing is also about making the best choices for your financial goals. That's what we do with clients every day.

The higher your financial literacy, the greater your chance of accumulating wealth and gaining financial security. There are a few steps you can take to build your financial muscle.

- Build a strong foundation: Start by learning about budgeting, saving, managing debt, and basic investment principles.

- Exploring different options: Educate yourself about different investment strategies, retirement planning, insurance products, and tax considerations.

- Never stop learning: Stay curious and committed to lifelong learning. Stay informed about market trends, changes in regulations, and evolving financial landscapes.

At Treysta Wealth we take the time to provide personalised guidance at every step of your financial journey.

We often assume that planning our money is something we do later in life when things settle down a bit.

The reality is that life is full of moments where we need to take stock of where our money is going and what our goals for it are.

Whether you're just getting started out in your careeror you're rapidly growing your own start-up, you're either approaching, or right on top of a Money Moment in your life.

And while some of your relationships may come and go, your relationship with money will be there right throughout your life.

Let us know in the comments what your last Money Moments was, and how you prepared for it

For a lot of us, there's a tension between our ethics and our money. Some of us may have even convinced ourselves that money is source of all evil. But that couldn't be further from the truth.
Where your money goes is really a reflection of what your values are. You spend money on things that are important to you. You may even consider the ethics of those you give money to. The same approach works for your investments. A meaningful financial plan isn't just about discipline and strategy. It's about making sure it's meaningful to you. If you don't believe in the way you're spending or investing, you probably won't stick with it.

At Treysta Wealth, we believe in the power of aligning your money with your values. Understanding your values goes beyond setting financial goals. It involves a deeper exploration of what truly matters to you, such as family, personal growth, community, or social impact.

There is a noticeable shift in investor preferences towards sustainable and socially responsible investments. People are seeking financial opportunities that align with their values, leading to increased demand for companies with strong environmental, social, and governance practices.

In fact, may companies are finding it a competitive advantage to be clear and proactive around Ethical, Social and Governance practices. But your focus on companies with these values doesn't mean you're not focusing on the best return on your investment. There's a lot of high-performing options available now, which means that there you can match your expectation of return with your values.

Talk to a Treysta Wealth adviser to explore sustainable investment options tailored to what's most important to you.

Life is a series of milestones, and many of them have financial implications. Are you aware of the significant financial milestones you may encounter on your journey?

Here are a few Money Moment examples:

1. Buying your first home: Understand the process, evaluate mortgage options, and create a savings plan for the down payment and ongoing homeownership costs.

2. Starting a family: Prepare for expenses such as childcare, education, healthcare, and insurance coverage. Update your financial plan for the changing dynamics of your family.

3. Career advancements and salary increases: This is a great opportunity to reassess your financial goals, increase your savings, and consider investment options.

4. Planning for retirement: Educate yourself on retirement savings vehicles, such as superannuation accounts, and consider a financial advisor to develop a retirement plan.

Treysta Wealth advisers provide personalised support and guidance at every step on your financial journey.

Imagine the power of aligning your finances with what truly matters to you. How differently could you think about money?

By adopting a values-based approach, you can redefine your relationship with money. Rather than solely focusing on accumulating wealth, you can shift your perspective towards using money as a tool to support what is truly important to you.

A values-based approach also allows you to find harmony between your financial goals and your personal aspirations. It encourages a holistic view of success, where financial well-being is integrated with personal fulfillment, relationships, health, and overall happiness. By thinking differently about money, you can create a more balanced and fulfilling life.

Talk to a Treysta Wealth adviser today to explore how a values-based approach might just reshape your whole attitude to money.

Did you know that ethical investments in Australia grew by 250% over the past decade? Responsible investing allows you to align your investing decisions with your values and contribute to positive change in the world. Are you ready to make your money work for a better future?

Financial literacy is the foundation for making sound financial decisions, yet a survey by the Australian Securities and Investments Commission revealed that only 37% of Australians have a high level of financial literacy.

Are you equipped with the knowledge to confidently shape your financial future?"

Did you know that 70% of Australians feel overwhelmed by financial decision-making? Every choice you make about money can have significant consequences. Are you prepared to navigate the critical 'money moments' in your life?

According to a survey by the Financial Planning Association of Australia, 78% of Australians believe that aligning their financial decisions with their personal values is important. Are you making choices that truly reflect what matters to you?

What are some things that you should start learning about in order to be better informed about your money?

- 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂'𝗿𝗲 𝗮𝘁: By learning about concepts such as budgeting, debt management, and savings, you can assess your financial health.

-𝗠𝗮𝗸𝗶𝗻𝗴 𝗶𝗻𝗳𝗼𝗿𝗺𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀: With financial literacy, you can confidently choose the strategies and solutions that align with your goals and values.

- 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮 𝘀𝘁𝗿𝗼𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲: By understanding concepts like compound interest, retirement planning, and risk, you can make decisions to grow your wealth.

At Treysta Wealth, we value financial literacy and are committed to providing resources, guidance, and support to enhance your financial knowledge. Talk to us today to embark on your journey towards financial literacy and empowerment.

When should you be revisting your financial plan? There are a number of Money Moments that warrant a new look at what you're doing with your money.

- Career advancements and salary negotiations: Making informed decisions during these times can set the stage for increased earning potential and financial stability.

- Major life events: Getting married, having children, or buying a home can have a profound impact on our finances. Planning ahead can help ensure a smooth financial transition.

- Retirement planning: Making informed decisions as early as possible means setting ourselves up for a comfortable and secure retirement.

At Treysta Wealth, we understand the significance of these money moments and are here to provide the guidance and support you need to make informed financial decisions during these pivotal times. Talk to us today and navigate your money moments with confidence.

Individual values have a big impact on spending habits. This means that understanding your values can lead to better financial decision-making.

That's according to a study from the University of Western Australia. It also found that perceived societal values also influence personal financial behaviour​.

The research shows a clear link between personal values and how people choose to allocate their resources. For example, people who highly value self-enhancement tend to spend more money on housing, clothing, transport, and education. On the other hand, those who prioritize self-transcendence values spend more on food, medical care, communication, and charity​.

Once we understand our values, we can better align our financial decisions with what truly matters to us. This alignment leads to greater personal satisfaction and a more effective money management strategy that reflects our core values​.

The study also found that people's perceptions of societal values significantly influence their own financial behaviour. For example, if someone believes that most Australians value security and benevolence, it can affect their own financial decisions, such as saving for emergencies or donating to charities​​.

Are you curious to know more about how your values can influence your financial decisions?

There's already a lot on your plate as a younger professional. So here's a quick list of things you can do to protect your growing net worth.

- Create a budget: This will help you prioritise your spending, save for the future, and avoid unnecessary debt.

- Start saving early: Even small amounts can add up over time, thanks to the power of compounding.

- Invest in your retirement: Take advantage of any employer matching contributions to maximise your retirement savings.

- Pay off high-interest debt: Paying off these debts early can save you money on interest in the long run.

- Build an emergency fund: Set aside three to six months' worth of living expenses in an emergency fund. You never know when you might need it.

- Protect yourself with insurance: Health insurance, life insurance, and disability insurance can protect you from unforeseen events.

- Continuously educate yourself: The more knowledge you have, the better equipped you are to make good financial decisions.

- Maximise workplace benefits: These benefits can provide significant financial advantages and even cost savings.

- Set financial goals: Setting goals will help you stay focused and motivated on your financial journey.

- Seek professional advice: A professional advisor can help you make informed decisions and navigate complex financial matters.

Curiosity is the spark that ignites growth, innovation, and discovery. Here's how it can change your whole approach to money:

- Curiosity encourages you to challenge conventional wisdom. By questioning your assumptions, you can uncover innovative strategies that may lead to better financial outcomes.

- Curiosity fuels a thirst for knowledge and continuous learning. By seeking new insights, you can make informed decisions and adapt to the ever-evolving financial landscape.

- Curiosity is the key to personal and financial growth. By cultivating a mindset of curiosity, you open yourself up to growth and the potential for greater financial success.

At Treysta Wealth, we're as curious as you are. So let's see how your curiosity and ours can work together.

Living a life full of vitality means approaching life holistically - body, mind, spirit - and money.

A holistic view of your finances means that you're looking at your overall well-being. It means looking at how your financial decisions impact your physical and mental health and relationships.

Because financial vitality helps reduce stress and provides a sense of security, it contributes to improved mental and emotional well-being.

Financial vitality also empowers you to pursue your life goals and aspirations. Whether it's starting a business, traveling, or investing in personal growth, financial vitality enables you to live a fulfilling life.

At Treysta Wealth, we take a more holistic view of financial vitality and are here to guide you on your journey.

People tend to find it difficult to live in the "now" when they don't have confidence in the future. And the number one thing that people worry about in the future, is money.

As much as we don't like to admit it, money plays a huge role in our lives. Everything around us came to be there because of money. Our work life is what it is because of money. So it's only natural that we will hold some anxiety about money in the future.

Part of what we do when we first meet you, is to explore what you actually think about money. What are the things that concern you? What are you good at handling? Where are the challenges? Where do you think you might need a hand? It's all part of getting to know you and how you want to work with your money.

We'll be honest, open and frank about what the options are. It's how trust works. What can you do this week to begin the journey towards less money anxiety?

These days, it's not just possible to be able to match your values with your investments. It's common.

Many of us grew up in a time when it was thought that money and important causes were not compatible. Which had a lot of us feeling helpless around issues such as climate change, social justice, and corporate behaviour.

Things have changed a lot since then. You now have access to a broad range of options that maintain financial performance, but also focus on social, environmental and organisational responsibility.

In fact, recent research has indicated that companies with strong environmental, social, and governance (ESG) practices often outperform their counterparts over the long term.

Values are not a luxury. They are part of who you are. Talk to a Treysta Wealth adviser who can guide you on incorporating those values into your investment strategy.

How confident are you around how you're handling money?

It's amazing what a little bit of financial literacy can do for your confidence.

You can start today with building your confidence with money.

- Start small. Just saving a small percentage of your income will show you that it's possible to work to a plan.
- Write down your thoughts about money. It can be quite enlightening to see what money story you've inherited.
- Start educating yourself about saving, planning and how to get more out of your money.
- Talk about money more openly with your partner. It's amazing how demystifying money can relieve stress in a relationship.
- Avoid comparison with others. We're all on very different paths in life.

When you're ready to talk more about what to do with your money, talk to us.

We'd love to help you untangle some of the confusion you might have around money.

What are some of the considerations you should be making as a young family right now?

- Balancing expenses and savings: This could include creating a budget that prioritises your needs while finding opportunities for saving and building a strong financial foundation.

- Navigating family milestones: From buying a home to planning for education expenses, young families encounter significant milestones that require careful financial planning.

- Protecting your loved ones: This can include home insurance coverage, life and disability insurance or even making plans for your family if circumstances change.

Talk to a Treysta Wealth advisor today about whatever Money Moments you are experiencing or wanting to plan for.

What do we mean when we talk about our value-based approach to money management?

We're talking about an approach to that is about more than just financial goals. It's about caring for your financial wellbeing and your lifestyle goals, by aligning your financial decisions with what truly matters to you.

That means making financial decisions that ensure your money is working in a way that aligns with your beliefs.

It means making a conscious decision to invest in a way that helps you to achieve a sense of fulfillment and purpose in your financial life.

And it all starts with identifying your core values, setting financial goals that reflect these values, and working with a financial advisor who understands and respects your values.

We can't wait to hear all about what you'd like to achieve.

It's our job to be open with you about all the benefits, risks, pros and cons of any strategy.

It's your job to be open with us about what you want from life.

We ask a lot of questions when we first meet you. And that's mostly because we want to know what's important to you.

- Like what your retirement goals are.
- Or when you're planning on buying a home.
- Perhaps even whether you're planning on expanding your family.

The process you'll go through at Treysta Wealth is designed so that our recommendations are personalised to you and your goals.

We don't use a template, every client has a plan that is designed specifically for them.

Sure, it might take us a little more effort to put it together. But we're in it with you for the long haul. And that's what really matters.

Courage is the fuel that propels us forward, enabling us to overcome challenges, embrace growth, and make bold decisions. Courage can also transform your financial journey. Here's how:

- Embracing change helps you to adapt to market fluctuations, explore new opportunities and adjust your financial strategy. Having courage can lead to growth and financial success.

- Learning from failures is about having the resilience to get back up, reassess your strategy, and continue with new knowledge.

- Making difficult decisions include choosing between competing priorities, making changes to your plan, or taking calculated risks, leading to breakthroughs and positive outcomes.

Harness the power of courage in your financial journey.

For a lot of those approaching retirement, the idealised older couple wearing resort wear on a yacht and playing golf isn't what they had in mind.

For many, retirement is just as much about ensuring that they are leaving something significant in reserve for their loved ones.

Retirement is one of those major Monday Moments where there are big changes to both income and expenses.

But it goes beyond that.

You're now planning for a different pace of life, and for your family.

Whatever your Money Moment, we're here to help you make better decisions about what your money is doing.

You have goals. But you also have a core values. And you might not have considered these when setting your goals.

For us, this is where we start.

Knowing your values is the first conversation we want to have with you. This is because your values are what will lead to you to make choices throughout your life. Including choices around money.

For some it's about long-term planning for family or leaving a legacy. For others it's about leaving the world in a better place than they found it. Some people wish to ensure that their money supports the things that they truly believe in. Or it's a mixture.

Talk to a Treysta Wealth advisor today to explore how a values-based approach can shape your financial success.

Small changes in your strategy can support big changes in the world.

We've all heard the phrase that "from little things, big things grow." But how can your money make a difference in the world?

Responsible investing focuses on supporting companies that prioritise environmental sustainability, positive social impact and ethic governance.

This means you can align your money with your own values.

Talk to a Treysta Wealth advisor today to explore investment options that align with your values and your life and financial goals.

There was a time when you didn't know how to read, cook or drive a car. All it took to master those life skills was to spend time doing them, with the support of an expert.

The same is true for financial planning. Managing your money is a life skill too.

Part of what we do at Treysta Wealth is invest time in helping you to better understand what your money is doing and show you what changes can be made to make it work better for you.

It's not about taking drastic steps. It's about being aware of what's happening and what you can do about it.

Let's start the journey together.

Through the journey of our busy lives, there are pivotal moments that can significantly shape our future. These 'money moments' require careful consideration and a caring approach.

At Treysta Wealth we help you to:

- Recognise Money Moments
- Understand the Impact of Money Moments
- Navigate those Money Moments with Care

Let's talk about what moments to expect along the way - and how to recognise those unexpected Money Moments if they arise.

We understand that every client's financial journey is unique, shaped by personal circumstances, aspirations, and challenges. At Treysta Wealth, we get you. And we plan to be with you for the long haul, so we want to make sure that you're comfortable with what you're doing - and comfortable with us.

Our commitment to your financial well-being goes beyond financial advice. We offer comprehensive support across various aspects of your financial life. From retirement planning to investment management, tax strategies, or estate planning, our team provides expertise and guidance to address the complexities of your financial journey. Let's talk.