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"$1.7 Million in Wealth Created."

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Start With What You Have to Build Wealth & Create Financial Security

Creating your own financial success is hard work and each day that goes by gets you closer to or further away from your goal.

You’ve been putting that hard work in.  Maybe you have built equity in your home that you haven’t put to use, maybe you aren’t sure what you should do next, or maybe you want to outsource the complex calculations or the heavy lifting.

My Wealth Solutions is an award-winning Financial Advice firm who has been helping families create financial success for over 10 years.  Our experienced advisors are experts in investing, property, and wealth creation strategies to help our clients create a secure financial future. Read the success stories of Mark & Pauline > or Ben & Carlie > for real world results.

Most people never take action and never realise the opportunities they have missed.  This is your sign to take that next step – Claim your free consultation today and find out how we can help you succeed while taking the stress out of your finances.

Claim your free consultation to find out how we can help you build wealth for your future.
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Mark & Pauline's Story

Mark and Pauline* are real clients of ours. We used a holistic strategy of home equity, investing, and forced savings to create $1.7M more for their retirement, and cut 14 years off their mortgage so they would be debt-free by retirement.

  • Why Mark & Pauline Sought Our Help

    Mark & Pauline* decided to seek financial planning help because of a couple of common factors:

    • They had good income but struggled with budgeting issues
    • They weren’t confident that they were going to achieve their long-term goals
    • They were considering different investment options and wanted clarity and direction
    • They wanted to get control of their super and make the most of it
    • They wanted long-term financial security to enjoy a good retirement

    *Client’s names and some details have been changed for privacy reasons

  • Where They Started

  • Where They Wanted To Be

    Mark and Pauline didn’t have an exact number in mind but they had five main goals:

    • They wanted to retire in 15 years
    • A combined retirement ‘income’ of $95,000 to pay for life
    • To be able to go on a holiday every year 
    • Wanted to pay down their home loan before retirement
    • They wanted to buy an investment property

    After forecasting based on their situation, we calculated that, without taking action, they would have $1.1 million by retirement – not enough to fund their lifestyle.

  • Identifying the Gaps & their Strategy

    The Gaps:

    • New goal retirement number of $2.7 million preserved in real value
    • 15 years to bridge the gap of $1.6 million
    • No sustainable long-term strategy
    • Underinsured with their current protection plan
    • No set foundations for personal protection and estate planning

    The Strategies in their 7 Point Financial Plan:

    • Purchasing an investment property
    • Regular share investment plan
    • Debt restructure & recycling plan
    • Superannuation strategies
    • Salary sacrificing
    • Personal protection
    • Forced savings plan
  • Using Home Equity to Start Their Wealth Journey

    In order to be able to leverage the strategies we agreed to, we used the equity in their home as their financial base. This gave us a borrowing capacity of $260,000.

    • Mark & Pauline then purchased a $450,000 investment property with our help.
    • We used a debt recycling strategy to reduce non-deductible debt and increase tax deductible debt
    • Ensured rent increases are included in the long-term strategy rather than being used as extra spending money
    • $800 is borrowed from the line of credit per month and placed into a balanced investment portfolio for long-term growth
  • Other Strategies Included in Their Holistic Plan

    Superannuation Changed to Growth Strategy  – as they have over 10 years until retirement this will allow them to ride out the increased market volatility of going to a higher growth strategy.

    Increased Superannuation Contributions – by contributing $1,000 per month to super, Mark & Pauline will save $368 per month in tax and will increase their super balance by $313,000 over 15 years.

    Utilising Spare Cash & Forced Savings Plan – we are able to pay an extra $15,000 a year off the home loan – reducing the loan term by 14 years.

    Implementing Personal Protection & Estate Planning – we adjusted their personal protection strategy to include the appropriate amount of protection & implemented estate planning strategies.

  • Mark & Pauline's Results

    The outcome

    • Clearly defined and achievable retirement goals
    • $1.7 million in additional wealth created to bridge their retirement gap
    • Reduced Mark & Pauline’s home loan term by 14 years
    • They have a clear financial road map and plan to reach their dream retirement
    • Peace of mind that their loved ones will be taken care of in case of unforeseen circumstances

    Read More >

Sounds like a lot, right? Don’t worry, you’ve got a secret weapon: us!

When it comes to growing your wealth and securing a brighter financial future, it’s likely you’ve heard about the importance of turning bad debt into good debt. The strategy known as debt recycling, or mortgage recycling, is one way you can successfully do this.

Debt recycling, at its most basic form, involves using the equity in an asset you currently owe bad debt on to purchase an investment asset that can be used to generate an income. You would then use the income generated from that asset to pay off your non-tax-deductible loan until this loan has been paid off and you only have the tax-deductible loan to pay.

One of the most important benefits of debt recycling is that it allows you to start building your investment portfolio and growing your wealth faster than if you opted to follow a more traditional route.  The downsides of debt recycling are that there is a heightened level of risk if there is a downturn in the market. Our strategies include building in a sufficient amount of personal protection to ensure you or your loved ones are able to continue meeting your obligations if something unexpected happens.

Our team of expert financial advisors act in partnership with mortgage broking and investment partners to help you breeze through this entire process.  This means we’re uniquely positioned to provide guidance that considers your whole financial picture.

Our expert advice & personal approach means you can be comfortable understanding exactly what is involved.

Ben & Carlie's Story

Young couple starting to invest My Wealth Solutions“Now I have an investment property…”

Ben & Carlie decided they needed to make their money work for them rather than paying so much tax.  When they first came to see My Wealth Solutions, they only had a little bit of money in the bank and owed a lot on their house.

Our advisors at My Wealth Solutions helped Ben & Carlie to start investing well, and made it comfortable and easy to understand.  Their complete financial plan enabled Ben & Carlie to pay a large amount of their house, and use that progress to purchase an investment property, which in turn off-set their taxes. Ben & Carlie have been with us for over 4 years and are very happy with how their financial plan is progressing.

Ben credits his parent’s wisdom with getting a financial planner, “I’d always been told by my parents that you should have a financial advisor and that’s a big part of why I wanted to join My Wealth Solutions.”

“One thing I can say is that for someone who doesn’t know what to do, a financial planner costs a tiny little bit of money but in the long run will save you a heck of a lot more!”

Ben & Carlie Neighbour – Bunya

“The best investment
on earth is earth.”

— Louis Glickman

CLIENT TESTIMONIAL

Robert Creaton and his skilful team helped me and my wife through the process of financial planning by guiding us to take the right steps. I would recommend Robert and My Wealth Solutions to anyone who wants to secure their future without any stress.

Amit M.
CLIENT TESTIMONIAL

My wife and I decided to make some changes to the way we were managing our finances and planning for our future financial security. Through the process of re-financing for the construction of our new family home,…from the very first meeting we had with Ben, we were comfortable and at the same time excited about…to our financial planning and future position.

Andrew H.
CLIENT TESTIMONIAL

We have been seeing Guy at MWS for a few years now, and his advice has been invaluable. We are a young family trying to make the best of what we have, and Guy really puts it all into perspective, so it isn’t overwhelming. Whenever we meet with him, I always walk away feeling so motivated that we are making good choices for the future…We’ll be long-term clients and I wouldn’t hesitate recommending him to others.

Louan W.
CLIENT TESTIMONIAL

My husband and I have been very impressed with MWS. They have a great team of people working with us as well as a fantastic network of local services they know well and trust. Very high value for us.

Amber R.
CLIENT TESTIMONIAL

…They have provided my partner and I peace of mind that our future is more secure especially with a baby on the way. Our super is working for us rather than the big companies…and they have put a smart financial strategy in place that meets our life goals. I have recommended MWS to many of my friends and will to anyone new as I am confident that they conduct themselves in the best interest of their clients.

Katrina M.
CLIENT TESTIMONIAL

Our experience has been very positive. Ben has set us up for our future and now we can feel satisfied knowing that we have our finances in good hands. We no longer stress about what we or our family would be financially accountable for should something happen to any of us. Thank you again.

Darron & Michelle H.
CLIENT TESTIMONIAL

Ben and the team at My Wealth Solutions have been incredible to work with. They discussed our financial situation and proposed ways to improve our position in an easy but professional manner that left us feeling very secure about the future. Timely responses to our questions and keeping us up to date on changes and progress only enhanced the feeling of trust we had with them. Thoroughly recommend the team if you are looking for sound financial assistance.

Warren A.
CLIENT TESTIMONIAL

After 20 years of working, we had no real direction when it came to planning for our financial future. After deciding to visit My Wealth Solutions, we now have achievable financial goals and we couldn’t be more confident that the strategies employed will ensure a comfortable retirement. The MWS team took the time to understand our current financial situation, needs and wants…Guy and Nikki…explained all aspects of their advice in a clear language that was easy to understand.

Mick & Dani I.
award winning and highly recommended

Want to start building wealth for your future?

The first step: enlisting the help of a team of our expert financial advisors who will ensure that taking your next step as an investor is as simple and stress-free as possible.