Financial Planning.

Are you looking for a new financial advisor?

Financial planning is about more than just money. It’s about the life you want to live and the legacy you want to leave behind. A good financial planner will help you figure out how much money your family needs, what kind of investments are best for your goals, and how to get there.

You deserve an advisor who has experience with people like you – someone who understands that every situation is different and can offer personalized advice on where to invest your hard-earned dollars. We’re here for all of it – from retirement plans to university savings accounts, so we’ll be with you every step of the way as your family grows and changes over time.

You’ve worked hard to get where you are today. It’s time to trust someone with the task of helping you reach your full potential in the financial realm so that you can live life on your own terms without worrying about tomorrow.

Financial Planning

The right financial advisor can help you develop a long-term plan for the security and well-being of you and your family – no matter what happens with the economy or in the markets. This stability will provide a sense of security that will prove invaluable as you face unexpected challenges along the way – be it a layoff, a health crisis, or a natural disaster.

A Grade Tax is a group of specialists who help clients find solutions that are customised to suit all their unique needs. We have the qualifications and experience to ensure you receive the financial advice, and the help you need to structure your financial future.

Ready to get started?

Excellent, we’re ready to help! Speak to A Grade Tax today and let’s get started on achieving your maximum refund.

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What is financial planning?

Financial planning is a journey that you take to help reach your goals. It may be the single most important thing you can do for yourself and your family. It’s unlikely you’ll have all the answers when you start out, but with patience, hard work, and perseverance financial planning will lead to a greater sense of empowerment about your financial affairs – and about your future.

Who might need financial planning advice?

For a variety of reasons, many people look for a financial planner to help them manage their investment portfolio, superannuation or even an unexpected inheritance. In our hectic world today, many people are time-poor and turn to someone who can take care of this complicated situation on their behalf. We regularly provide financial advice to help people:

  • With children that they want to help provide for in the future.
  • Who are looking for new investments opportunities.
  • Who don’t have any guidance or direction when it comes to their money and their finances.
  • Who are looking to start a family and need financial stability.
  • Who have been made redundant.
  • Who are looking to plan for their retirement.

Create a roadmap for your financial future.

If you need general advice or a financial plan that is customised to your complete situation, we can help.

Our team of financial planners can assist with financial advice, superannuation planning, aged care, pension advice and anything related to overall financial wellbeing. We also provide assistance with estate planning.

We start with a discussion of your personal situation, your goals and objectives, and we apply our experience and expertise to create financial strategies that are tailored to you.

Our financial goals are clear and straightforward – so you can always be up to date with your personal financial situation and know what’s next in your long term financial plan.

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What are the four steps of Financial Planning?

Financial Planning can generally be broken down into four steps: Gathering, Planning, Doing and Reviewing. All four phases are important to the success of your financial plan because they each provide an opportunity for you to evaluate how well your plan is working. This evaluation helps you identify problems before they become serious and consider possible solutions. It also tells you if it’s time to take corrective action or revise your plan altogether.

Step 1: Gather

First, you need to gather all relevant information about your financial affairs. This refers to the income statements, balance sheets and cash flow statements that form your financial records. Typically, this information is gathered from many different sources over a period of time in order for your advisor to get an overall picture of where you are today.

Step 2: Plan

Using this information, a professional financial planner will develop a plan that incorporates your financial goals and objectives as well as your personal information. This plan is then presented to you, and it’s up to you to decide whether it meets your wealth management needs and lifestyle goals for sustainable financial wellbeing.

Step 3: Do

Once an action plan is determined, the next step involves actually performing tasks. These actions are usually detailed in terms of a schedule you must follow. This process involves buying and selling; adding and subtracting to different accounts; making deposits, payments and withdrawals.

Step 4: Review

This is the phase where your advisor and other professionals meet with you to review how well the plan has worked out for you. The focus at this point turns to any mistakes that may have been made, and steps are taken to correct them. This phase also encourages you to look ahead and plan for the future.

A good financial planner will assist his or her clients through all four of these phases: Gathering, Planning, Doing and Reviewing. In fact, gathering information is only one step in this process. Evaluation takes place throughout the entire process, as does action.

What goals should I be able to achieve with the financial advice I receive?

In order to have a successful financial plan, it is important to have the right goals. There are many ways to achieve them, and a good advisor can help you figure out what is best for you. For example, if your goal is saving up money for a child’s education then the right plan could be paying off your mortgage as soon as possible so that when the time comes, there won’t be any debt to worry about. The first step in all of this though is knowing how much money you need! Financial planning can help you achieve your goals such as:

  • Having enough money in savings for emergencies and unexpected events
  • Achieving an improved credit score and lower interest rates on loans or mortgages
  • Building up a retirement fund if you’re not already retired
  • Paying off mortgage
  • Saving for a child’s education
  • Buying property

To find out how much money you’ll need for financial planning purposes, ask yourself these questions: What do I want? How long will it take me to get there? What resources do I have available (e.g., cash on hand or liquid assets, savings, investments)? How much will it cost me to get there? Do I have financial resources that are not readily available—for example, retirement pension funds or other long-term assets?

Once you’ve answered these questions and established your wealth management goals, you’re ready to move forward and seek out a professional financial advisor.

How do I choose the right financial advisor for my needs?

When looking for a financial planner, it is important to find someone who shares your values and concerns. Every situation is different, so it’s important that each client feels comfortable talking with his or her advisor. Our Penrith team has been helping locals with their financial strategies and wealth management needs for over 30 years and we would welcome the opportunity for a ‘getting to know you and your needs’ phone call to see if we will be the right fit for you.

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Hear from our customers…

4.6/5 from 35+ Reviews

David Karlsen
David Karlsen

Made a booking and saw Max Connelly who took the time to listen and work through our tax. Max has also gone through our previous two tax returns which has resulted in a larger return. I have found Max and his team approachable and professional. Great Job.

Andrew Seck
Andrew Seck

I thoroughly recommend A Grade Taxation Accountants to handle your accounting needs. Allana was an absolute pleasure to deal with. Furthermore, my wife and I felt that Max was incredibly attentive to every detail and took a personal interest in making sure we understood every process.

Nicole S
Nicole S.
True Local

This is the second year my husband & I have gone to A Grade Tax & we highly recommend them. Max in particular spent quality time explaining various things without the tax / accounting jargon to ensure we both understood which we really appreciated. Thanks A Grade Tax!

Matt Flynn
Matt Flynn

I have been using A Grade Tax for the past 3 years. Tynna always goes above and beyond! On my last return, she even advised me of certain items that I could claim which I had no idea of. I would highly recommend this service to anyone (and have already told a few colleagues). A+

A Grade Tax Penrith - 2750

Need a trusted Financial Planner in Penrith?

Whether you are looking for one-time or ongoing financial services, our financial advisers are available. We’re available by phone for an initial consultation or in-person at our Penrith office.

Phone us on 1300 591 934 or through our online enquiry form to discuss how we can help you. Let’s start improving your financial situation today and deliver the financial security you need.

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Book a no-obligation consult.