Newcastle Financial Planning Principles
When choosing a financial advisor, it’s critical that you agree on a common set of beliefs to ensure that proper expectations are set. Therefore, we felt it would be helpful to make our specific planning & investing principles readily available. Below you will find the Newcastle Financial Planning Principles
In order to be successful financially,
you need a plan
The financial plan and the planning associated with it is the identification of goals that you have for life followed by strategies designed to give you a higher probability of reaching those goals. Just like you wouldn’t get in your car to drive without a destination in mind and an approximate route to get there, financial planning is much the same. Your Newcastle financial planners are your personalised GPS.
You’ve got to be very careful if you don’t know where you are going, because you might not get there.
Our conversations are designed to help you identify what you would like to accomplish and then identify conscious choices to help you get there.
In coordination with above, we are planning focused
Regardless of whether they admit this or not, many financial planning firms in Australia are either primarily investment or insurance focused.
We believe that a decision made in one area impacts the decision in another, so we look at the total picture and make recommendations in every area of planning while keeping the big picture in mind.
For example, you might have family legacy goals. Given this scenario, it would be important to know how the insurance, superannuation and investment accounts are each treated differently from an estate, income & capital gains tax perspective & should, therefore, determine who receives each account or investment.
Financial planning is not precise.
It is adaptive. Throughout retirement, markets, inflation, incomes, goals, and health changes. In short, life happens.
A plan that sits on a shelf couldn’t possibly account for all that life throws at you, so we adjust our strategies to accommodate as your life changes.
Control the things we can control
We will not pretend to know in advance which way the market is going to go this month or next month. (Nor should anyone else.)
What we do know is what the historical averages have been. This, at least, gives us a baseline to establish conservative expectations to develop your plan.
Focusing on what we can control, rather than what we cannot, can set your mind at ease knowing that we are doing all we can to get you to where you want to go.
For example, we can control our asset allocation, total fees, behaviour, how we fund the plan, and how we account for various known risks. These are the drivers of success.
Details Matter
Many people focus on the big aspects of financial planning, primarily investing and life insurance.
But so often, it is the details that can wreck a financial plan.
For example, having an ex-spouse as a beneficiary or a lost relationship as the executor of your estate can be extremely problematic. When it comes to your finances, every detail matters.
We will examine each area of your finances to ensure the details are addressed.
Plan for the things that can go wrong,
So you can invest for the things that can go right.
Even the absolute best investment portfolio can be undone if you are not prepared for life’s what-ifs. Having significant health issues during your working years, car accidents, lawsuits, a disability or countless other unexpected circumstances can alter your retirement if not properly planned for.
Again, we cannot control what happens to us, but we can prepare.
Good planning has a long time horizon
We view every client relationship as a lifelong relationship. This is a significant advantage because we can evaluate how every possible strategy might impact your long-term financial health.
As an example, considering decisions today that may significantly reduce inheritance taxes decades down the road is the epitome of a long-term viewpoint.
Last, but not least, trust is everything
We treat every client and the advice provided as if they are a member of our family.
We encourage an extremely transparent and open dialogue with regard to every cent that clients pay whether that is a payment to me or to another company. Knowing what you pay is critical because costs matter.
Long story short, we will tell you anything you want to know, most of the time before you even ask us.
We are a match
Given that you may work with your advisor for decades, knowing what to expect from your advisor & their belief system is a defining factor in the success of that relationship.
This is why our first meeting is simply a meeting to get to know each other and see if we can agree philosophically.
Assuming we are a match, we can proceed into discussing specifics of your financial situation.
Matthew McCabe
Your Newcastle Financial Planning Advisor
For over 15 years I have been helping people (like you) make informed, smart decisions about their retirement.
Running my own practice allows me to provide personalised, tailored financial advice to ensure people (like you) are able to retire on their terms.
Providing my clients with peace of mind.
Poor advice can result in a life of compromise & uncertainty.
As a qualified Newcastle financial planner, I thrive on utilising my vast experience, which includes supporting people through the Global Financial Crisis & most recently the Global Pandemic, to ensure my clients avoid making mistakes that could cost them their ideal retirement.
Contact our Newcastle financial planners for financial advice on 02 4963 1863.
We help you make smarter financial decisions.
We take the time to understand where you want to go & ensure you understand your options to get there.
Financial planning is an ongoing process & every step is very important as it allows your Newcastle financial planners to fully understand your situation, desired outcomes and provide you with the best guidance. This will give you confidence to move forward in life regardless of its challenges and uncertainties and create a healthy money mindset for life.
Our Areas of Financial Advice
There is no substitute for experienced assistance when it comes to establishing the strategies that will enable you to achieve and exceed your goals.
For 15 years our Newcastle Advisors have offered clients specialised financial planning advice across a variety of areas that has enabled them to establish, maintain and enjoy their full financial potential.
We have specialist Newcastle financial planning advisers who are knowledgeable, experienced and passionate about the following areas:
Debt & cashflow specialist
- Advanced Budgeting & Cash flow strategies
- Accelerated Debt reduction strategies
- Debt structuring
- Borrowing to invest
- Margin lending
Taxation Specialist
- Tax minimisation solutions
- Capital gain management
Personal Protection specialist
- Personal insurance
- Personal asset protection
- Lifestyle protection strategies
- Estate planning strategies
- Structuring assets appropriately
Business Protection specialist
- Business insurance
- Business asset protection
- Business succession planning
Superannuation Specialist
- Personal superannuation
- Self managed superannuation
- Business superannuation strategies
- Retirement income streams
- Centrelink maximisation strategies
Wealth creation specialist
- Children’s education plans
- Managed fund investments
- Shares
- Property
In almost everything we do, money is a factor…
A Newcastle financial adviser is able to help you achieve your goals, no matter what stage of life you’re at or what your goal is.
Our advice is most needed when you are:
- planning to get married,
- starting a family,
- saving for a property deposit,
- buying a property,
- looking for a job,
- starting your own business,
- expanding your business,
- funding your children’s education,
- get promoted at work and are paying more tax,
- struggling to repay debt,
- looking to streamline and simplify your financial affairs,
- needing to consolidate debt,
- worried about the financial security of your family.
Bring clarity & understanding
The most important aspect of advice is to bring clarity and understanding to the financial journey.
Our financial planners at Newcastle Advisors recognise this & assist you to:
- Understand your financial position.
- Be clear as to your aspirations and objectives.
- Be informed of the options that exist and the trade offs that can be made.
- Have clear, understandable and agreed strategies to meet objectives.
- Take account of developments and change in your life.
- Meet economic challenges.
- Take away stress through tracking & review modules.
- Clarify financial jargon.
- Share in a professional relationship that is open, honest & respectful.
Looking for financial advice to ensure you retire on your terms in Newcastle?
Newcastle Advisors continue to provide expert financial planning for Newcastle that ensures you meet your financial & retirement goals.
Our local, trusted, Newcastle financial planners are here to support you, providing you with guidance & financial advice,
so you have an understanding of your options to ensure you can retire on your terms.
NEWCASTLE FINANCIAL PLANNERS ARE HERE TO SUPPORT YOU
Newcastle Advisors
Newcastle Advisors are your Newcastle Financial Planners who are a dedicated team that provide personalised financial advice so you understand your options.
Ross & Lisa - Boolaroo
“Newcastle Financial Planners & Financial Advisors were very easy to deal with, they went above & beyond - including delivering all paperwork personally. They quickly understood what we needed & explained things in an 'easy to understand' language. We appreciated how they kept us informed every step of the process & never left anything unexplained. Would highly recommend Newcastle Advisors to anyone.”
Mark -
Bolwarra Heights
“I came to Matthew & the team to discuss my personal superannuation fund and to also discuss the options that were available for my future financial planning. I had some financial problems and I was very impressed with the personalised professional service and advice given to me, and how Matthew has tailored this specifically to suit my situation and future needs. I felt very comfortable to put my finances in Matthew’s care and for him to guide me in the right direction. I thank Matthew for this as I have finally been able to relax and leave all my affairs in Matthew’s hands, in the full and comfortable knowledge that he is working for the benefit of us both; it is a win/win feeling and one that will allow me to happily recommend Matthew and the team to anyone who is interested in changing to a more reliable money manager, one who clearly cares about the individual customer and their needs. I have no hesitation in recommending Matthew's services with complete trust and I look forward to a continued relationship with him.”
Rebecca - Newcastle
“My experience working with Matthew & the team at Newcastle Advisors was exceptional. The Newcastle financial planner was very clear & thorough throughout the process & made it easy to understand. They outlined the different options & the pros & cons of each. I would highly recommend Newcastle Advisors to anyone interested in getting on top of their finances.”
James - Belmont
“Being self employed I knew I needed some type of insurance cover to protect myself. Matt & the Newcastle financial planners at Newcastle Advisors were able to identify exactly what I required so my family & I are protected against injury & illness”
Your Personalised GPS
Your Newcastle Financial Planner is your personalised GPS.
A GPS is similar to a Newcastle Financial Planner.
They both find out where you are, find where you want to go and make a plan to get you to your destination.
NEWCASTLE FINANCIAL ADVICE
Supporting with all of your financial advice across Newcastle, the Hunter Valley, Lake Macquarie & Sydney.
Our Newcastle financial planners also have offices in Sydney and help clients across the local areas including Newcastle, Maitland, The bay, Lake Macquarie, Hunter Valley, Central Coast & Sydney.
Newcastle financial planners Matthew McCabe has a wealth of experience in self managed super funds, superannuation, personal insurance, investment, retirement advice and financial advice. For your personalised financial advice, contact us today to discuss your options with our qualified Newcastle financial planners.
Newcastle Financial Planners & Financial Advisors now have the capabilities to provide financial advice to not only the people of Newcastle & the Hunter, but to be able to provide personalised financial advice online to all Australian’s. So if you are looking for Online Financial Advice speak to our Newcastle Financial Planners to arrange an online appointment.
Our Newcastle financial planners also have offices in Sydney and help clients across the local areas including Newcastle Financial Planning(Merewether financial planning, The Junction financial planning, The Hill financial planning, Bar Beach financial planning, Newcastle West financial planning, Hamilton financial planning, Adamstown financial planning, Redhead financial planning, Whitebridge financial planning, Kotara financial planning, New Lambton financial planning, Mayfield financial planning), Maitland Financial Planning (Morpeth financial planning, Lorn financial planning, Rutherford financial planning, Aberglasslyn financial planning, Metford financial planning, Beresfied financial planning), The bay (Medowie financial planning, Fern Bay financial planning, Fullerton Cove financial planning, Anna Bay financial planning, Nelson Bay financial planning, Shoal Bay financial planning, Tea Gardens financial planning, Hawks Nest financial planning), Lake Macquarie Financial Planning (Cardiff NSW financial planning, Glendale financial planning, Speers Point financial planning, Fennell Bay financial planning, Bolton Point financial planning, Coal Point financial planning, Toronto financial planning, Valentine financial planning, Belmont financial planning, Eleebana financial planning, Warners Bay financial planning, Caves Beach financial planning), Hunter Valley Financial Planning (Muswellbrook financial planning, Scone financial planning, Pokolbin financial planning, Cessnock financial planning, Singleton financial planning, Broke financial planning, Rothbury financial planning), Central Coast Financial Planning (The Entrance financial planning, Bateau Bay financial planning, Berkeley Vale financial planning, Tuggerah financial planning, Wamberal financial planning, Terrigal financial planning, Erina financial planning, Avoca financial planning, Gosford financial planning, Woy Woy financial planning, Picketts Valley financial planning) & Sydney Financial Planning (Castle Hill Financial Planning, Rouse Hill Financial Planning, Dulwich Hill financial planning).
Looking for a Financial planner or a Financial adviser in Newcastle, Looking for a Financial planner or a Financial adviser in Merewether, Looking for a Financial planner or a Financial adviser in The Junction, Looking for a Financial planner or a Financial adviser in Maitland, Looking for a Financial planner or a Financial adviser in Nelson Bay, Looking for a Financial planner or a Financial adviser in Hunter Valley, Looking for a Financial planner or a Financial adviser in Central Coast, Looking for a Financial planner or a Financial adviser in Lake Macquarie, Looking for a Financial planner or a Financial adviser in Warners Bay, Looking for a Financial planner or a Financial adviser in Sydney, Looking for a Financial planner or a Financial adviser in Castle Hill, Looking for a Financial planner or a Financial adviser in Rouse Hill, Looking for a Financial planner or a Financial adviser in Northern Beaches, Looking for a Financial planner or a Financial adviser in Central West, Looking for a Financial planner or a Financial adviser in Grenfell, Looking for a Financial planner or a Financial adviser in Coffs Harbour, Looking for a Financial planner or a Financial adviser in Grafton, Looking for a Financial planner or a Financial adviser in Port Macquarie, Looking for a Financial planner or a Financial adviser in Dulwich Hill, Looking for a Financial planner or a Financial adviser in Bondi, Looking for a Financial planner or a Financial adviser in The Entrance, Looking for a Financial planner or a Financial adviser in Terrigal, Looking for a Financial planner or a Financial adviser in Gosford, Looking for a Financial planner or a Financial adviser in Woy Woy, Looking for a Financial planner or a Financial adviser in Singleton, Looking for a Financial planner or a Financial adviser in Coal Point.
Best financial planning in Newcastle, Best financial planning in Merewether, Best financial planning in The Junction, Best financial planning in Maitland, Best financial planning in Nelson Bay, Best financial planning in Hunter Valley, Best financial planning in Central Coast, Best financial planning in Lake Macquarie, Best financial planning in Warners Bay, Best financial planning in Sydney, Best financial planning in Castle Hill, Best financial planning in Rouse Hill, Best financial planning in Northern Beaches, Best financial planning in Central West, Best financial planning in Grenfell, Best financial planning in Coffs Harbour, Best financial planning in Grafton, Best financial planning in Port Macquarie, Best financial planning in Dulwich Hill, Best financial planning in Bondi, Best financial planning in The Entrance, Best financial planning in Terrigal, Best financial planning in Gosford, Best financial planning in Woy Woy, Best financial planning in Singleton, Best financial planning in Coal Point.
Best financial planner in Newcastle, Best financial planner in Merewether, Best financial planner in The Junction, Best financial planner in Maitland, Best financial planner in Nelson Bay, Best financial planner in Hunter Valley, Best financial planner in Central Coast, Best financial planner in Lake Macquarie, Best financial planner in Warners Bay, Best financial planner in Sydney, Best financial planner in Castle Hill, Best financial planner in Rouse Hill, Best financial planner in Northern Beaches, Best financial planner in Central West, Best financial planner in Grenfell, Best financial planner in Coffs Harbour, Best financial planner in Grafton, Best financial planner in Port Macquarie, Best financial planner in Dulwich Hill, Best financial planner in Bondi, Best financial planner in The Entrance, Best financial planner in Terrigal, Best financial planner in Gosford, Best financial planner in Woy Woy, Best financial planner in Singleton, Best financial planner in Coal Point.
Looking for a Financial planner in Newcastle, Looking for a Financial planner in Merewether, Looking for a Financial planner in The Junction, Looking for a Financial planner in Maitland, Looking for a Financial planner in Nelson Bay, Looking for a Financial planner in Hunter Valley, Looking for a Financial planner in Central Coast, Looking for a Financial planner in Lake Macquarie, Looking for a Financial planner in Warners Bay, Looking for a Financial planner in Sydney, Looking for a Financial planner in Castle Hill, Looking for a Financial planner in Rouse Hill, Looking for a Financial planner in Northern Beaches, Looking for a Financial planner in Central West, Looking for a Financial planner in Grenfell, Looking for a Financial planner in Coffs Harbour, Looking for a Financial planner in Grafton, Looking for a Financial planner in Port Macquarie, Looking for a Financial planner in Dulwich Hill, Looking for a Financial planner in Bondi, Looking for a Financial planner in The Entrance, Looking for a Financial planner in Terrigal, Looking for a Financial planner in Gosford, Looking for a Financial planner in Woy Woy, Looking for a Financial planner in Singleton, Looking for a Financial planner in Coal Point.