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.
David Carson BA, ADFP
During the first point of contact with David, it will become apparent that his client’s goals are his main priority.
Whether planning for a family, preparing for retirement, or running their own business, he understands that no two clients are the same.
David is committed to being part of the journey with his clients and providing high quality service. With an approachable demeanour, he explains strategies in an easy to understand way, with his clients informed and confident each step of the way.
David has 15 years’ experience as a Banker and Financial Planner. He holds BA and ADFP qualifications as well as being
a member of FPA with a commitment to upholding high standards of compliance and ethics throughout his career.
Approaching a financial adviser can seem daunting at first, however David aims to create a positive client experience.
By exploring your current situation and assisting you in discovering what is really important to you, he will help to articulate your short, medium‐ and long‐term goals that become the foundation of his advice.
David’s intent is to use his many years of experience to be your financial translator/navigator to help make the complex
simple and to help protect and grow your world.
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.
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.
- 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 – [email protected] – 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.
David Carson, Authorised Representative No.1266993 – Wealth Creation Planning Pty Ltd ACN 142 603 209 ATF Wealth Creation Planning No. 2 Trust ABN 65 400 861 297, Corporate Authorised Representative No.352936 of InterPrac Financial Planning Pty Ltd ABN 14 076 093 680 AFSL 246638