The Practice

Helping people with their finances means helping people with their lives.

Sometimes a bit of positive reinforcement can make a big difference.

We’ll keep you motivated and on the right track.

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🌐 www.thepractice.com.au

"Huge thank you to the team at The Practice and a shoutout to Kristian for helping us purchase our forever home. Kristian consistently provided clear and prompt advice, it was a stress free experience and we are stoked with the outcome :)"

It was our pleasure to play our part in making it happen, Hugh... and thanks for taking the time to write that lovely review. We wish you many years of happiness in your new home.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

When we work with you to plan for your financial future, our experience plays a major part in formulating the right strategy. But what we’ve done for others previously only informs our approach with you.

That’s because your background, current circumstances, future prospects, aspirations, and what sort of help you need from a financial adviser all combine to make your needs uniquely yours.

When you meet with us, you’ll appreciate how much getting to know you matters to us.

You deserve to have a tailored service focused on achieving the right outcomes for you.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

Everyone at The Practice can add and subtract, but we also know that financial planning isn’t a simple mathematical equation.

We’re also great at understanding people and their circumstances so we can think strategically as well as practically.

📞 (03) 8888 4000
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🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

There’s a reason we refer to our plans as ‘tailored’.

They’re made-to-measure and we aim to make them fit you perfectly.

We recognise that you’re not like anyone else, so we work to understand who you are and how you do things so that we can help you formulate and execute a plan that suits your specific needs and circumstances.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

We love what we do. We love working with people to achieve great things.

And while we might lead the conversation, we never lose sight of the fact that we work for you.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

Superannuation should be a part of your overall financial strategy, although you should be looking at it as a tax strategy rather than purely an investment that will mature some time in the future.

We specialise in setting you up for a strong and secure financial future, including many enjoyable years after work.

We’ll ensure that your personal financial goals are at the heart of any advice we give you and any strategy we put in place for you.

Call us today and let The Practice Wealth Management team help you build your wealth strategically.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

The cost of living, including the impact of interest rate rises, has significantly affected people’s ability to manage their debt.

The team here at The Practice stands ready to help you or anyone you know who might need some assistance negotiating with their lender.

If some relief from your home loan repayments could make a difference, let’s make that happen.

Get in touch today and let’s get you into a healthier and less stressful position.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

There are several things that set people on the path to prosperity.

Chief among them is having the right mindset; being prepared to do the right things and commit to them.

We want to help you plan well so that your commitment pays off.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

"Wealth is not about having a lot of money; it’s about having a lot of options."
– Chris Rock

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

The right advice is only a starting point. We’re in this for the long haul, right by your side.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

How confident are you that you’re doing everything you could be doing to reach your ultimate financial goals?

Let us take you through a personal wealth check and make sure you’re being appropriately strategic and have the best foundations for long-term prosperity.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

In NAB research earlier this year, younger Australians reported lower financial literacy levels, alongside a greater risk of financial hardship.

In fact, the number of people who reported experiencing some form of financial hardship in the first three months of 2024 rose for the sixth consecutive quarter to 44%.

According to the research, financial hardship is highest amongst 18–29-year-olds (56%) and trends downward as people get older.

The data also revealed that 3 in 4 Australians believe they have ‘good’ to ‘excellent’ financial literacy (although that figure could mask over- or under-confidence in their understanding).

However, the research found that a third of young women (under 30) rated their financial literacy as ‘fair’ or ‘poor’.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

Where you are now informs not just where you’re able to go but also the path that will get you there.

By appreciating your circumstances and your aspirations, we can envision what your future might look like.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

There are no shortcuts. Long-term success requires a lot of thought, discussion, planning, and patience.

Thoroughly considering your options and choosing the right ones gives you the best chance of success.

We specialise in helping people make sound financial decisions.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

The new financial year is upon us and still nobody is quite sure what interest rates will do over the next 12 months.

Regardless of how you’re going with repayments or how comfortable you have been until now with your lender, it might be a good time to consider your home loan options.

Keep in mind that there are many lenders with many, many home-loan offerings, so it’s quite possible there’s a better one for you available somewhere.

If you’re already a client of The Practice, we’ll be in touch to schedule your next review... but feel free to approach us first, if you’re ready to do it.

And if you have any family members or friends who could do with some proactive planning, send them our way too!

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” – Suze Orman

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

There are 5 main ways to build wealth:

1. Develop a sound wealth creation strategy

2. Ensure you protect your wealth and your ability to earn an income

3. Maximise your tax-effectiveness

4. Source finance and reduce debt

5. Have an ongoing, proactive relationship with your financial planner

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

Is being in business not how you imagined?

The dream of owning your own business never includes the part about working long hours, dealing with daily and ongoing challenges, and having no work-life balance.

However, experience shows us that reality is often more like that than the dream.

But it doesn’t have to be that way.

We can help you run your business successfully and enjoy the rewards and lifestyle you deserve.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

We’re delighted that The Practice has been named as a finalist at next month’s AFG Broker Awards.

Thanks to AFG for its support of the industry and congratulations to our fellow finalists.

We look forward to attending the function and seeing a lot of good work and good people get a pat on the back.

Our team has a broad skillset but a single focus: to help our clients achieve their business and personal goals.

That starts with proactive service and carries through with ongoing advice.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

Have you considered retirement?

Even those approaching retirement age find it difficult to have a conversation about how much money they’ll need when they stop working.

It’s certainly a subject most people don’t want to think too much about when they’re in their prime earning years.

But it is a subject that matters, so the sooner you get comfortable with the conversation and thought process, the better.

Let us give you advice and guidance to help you make the most of your earnings and investment opportunities so that you will be able to retire in the best possible financial position.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

You can rest assured that any advice you receive from The Practice will be in your best interests.

We don’t believe in proposing the same cookie-cutter approach to people with different needs and goals.

Experience has shown us how important it is to deliver tailored advice that feels right for each client.

And we never lose sight of the fact that we work for you.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

As lenders are being particularly cautious before approving new loans, it’s crucial that you keep a tight rein on your spending in the months leading up to a loan application.

Given that there’s a clear electronic trail for all your ‘outgoings’, it’s not hard for lenders to identify ‘good’ borrowers (and, of course, potentially risky ones).

We suggest that you embrace the ease of tracking every cent. Not only does it make crunching the numbers easier for your own budgeting purposes, but it will clearly demonstrate that you have your discretionary spending under control.

That’s bound to make any potential lender look upon your application more favourably.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

Life’s challenges are like complex calculations; they require patience and problem-solving skills.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

We believe encouragement and reassurance play just as big a role in you remaining focussed on your financial goals as our practical and actionable advice.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.

The dream of owning your own business never includes working long hours and having no work-life balance.

However, experience shows us that it often ends up more like that than the dream.

But it doesn’t have to be that way.

We can help you run your business successfully and enjoy the rewards and lifestyle you deserve.

📞 (03) 8888 4000
✉️ [email protected]
🌐 www.thepractice.com.au

The Practice Achieve Your Business And Personal Wealth Goals. Our goal is your goal: to liberate your lifestyle.