Merriwa Office (08) 93051000 | Osborne Park Office (08) 9321 0111 info@wealthcreation.com.au

Financial Adviser & Planner Perth

Financial Planning

Our mission at Wealth Creation Planning is to help protect you & your family and help you grow for the future. We believe that using our experience to have real conversations around your world, we can have a positive impact on your life.

Protection – The Foundation

Firstly, like a well-built home we start with a strong foundation – your “In Case of Emergency” Plan. This means ensuring that if something where to happen to you or one of your family, you are still able to repay your debts, continue to maintain income, pay school fees or fund medical treatment.

How long could you survive financially if your income stopped tomorrow? We see all too often after an emergency occurs, that when the income stops, sick leave runs out and savings are depleted that the years of hard work you have put in building your families world can be jeopardised if the status quo can no longer be maintained.

Our health & that of our families are the most important things in our world. The goal of your Emergency Plan is to ensure that in event of unexpected sickness, accident, illness or death that they continue to be financially secure long term. Otherwise all that you have done do to build your wealth could be at risk for you & your loved ones.

Your “In Case of Emergency” Plan is not one size fits all. It has to be tailored to you, your family and your budget to make sure it is sustainable over the long term and to give you peace of mind. We work together now and as your world changes to get this right – you are in the driver’s seat of what is in your plan.

We work with a panel of Insurance providers to give you certainty on cost, levels, quality and types of cover. Most importantly we want you to have the utmost certainty in your cover should the unexpected occur.

Types of Cover Available

Life cover – also known as ‘term life insurance’ or ‘death cover’, pays a set amount of money when you die. The money will go to the people you nominate as beneficiaries on your policy.

Total and permanent disability (TPD) cover – pays a lump sum to assist with rehabilitation and living costs if you are totally and permanently disabled. TPD is often bundled with life cover.

Trauma cover – provides lump sum cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on your life, such as cancer, heart attack or a stroke.

Income protection – replaces the ongoing income lost through your inability to work due to injury or sickness.

Income Protection

Growth – The Future

Secondly, we want to ensure you are taking the sensible smart actions on a weekly/monthly/yearly basis to help you

  • Repay your Home Loan Sooner & reduce debt
  • Create a Budget & Savings Plan
  • Review your Super to understand the true cost to you & remove duplication
  • Invest your Super in line with your preferred & most appropriate level of Risk.
  • Review your Estate Planning & Business Succession Plan (Asset/Ownership/Revenue Protection)
  • Transitioning to Retirement
  • Take control and have a greater level of understanding of your finances.

True Wealth Creation does not happen overnight. Don’t be fooled by those that try to sell you overnight solutions. The foundation of financial success is doing the simple things effectively over a long period of time.

I have dedicated my career to understanding and demystifying these concepts to provide simple & effective solutions that will provide the greatest help to empower my clients to take control.

Questions to ask yourself?

  • Have you got your “In Case of Emergency” plan in place?
  • How long could you survive financially if your income stopped tomorrow?
  • When have you last reviewed your Life Insurance?
  • Do you know how much your cover is costing you?
  • Are you paying for multiple default policies across Super Funds?
  • Do you know how much you have in Superannuation?
  • Do you know what fees are you paying in Superannuation? Are they too high?
  • Are you in control of where your Superannuation is invested?
  • Are you taking too much/not enough risk given your time to retirement?

If you are unsure of any of the above, and want someone in your corner to help explain & talk you through –

Book in for your free first appointment with David to begin taking control & know where you stand.

No Jargon. Common Sense Advice for you & your family to help protect & grow your money.

Don’t put it off again until next year as could be costing you thousands annually!

Wealth Creation Financial Planning

Life Insurance – Superannuation – Investment Strategy – Debt Reduction

Business Protection – Personal Budgeting – Estate Planning

David Carson – david@wealthcreation.com.au – 0431249107

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information 

Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.

Important Information

David Carson, Wealth Creation Planning Pty Ltd ACN 142 603 209 ATF Wealth Creation Planning No. 2 Trust ABN 65 400 861 297, Authorised Representative of Apogee Financial Planning Limited ABN 28 056 426 932, an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

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