Financial Planning
A clear plan for your household, at a price you can see
Most households are doing a lot of things right. You're saving, paying down a mortgage and building super along the way. But knowing what to do next, and in what order, is where most people get stuck.
At AFG360, financial planning isn't a separate conversation. Your wealth, tax, property and lending are looked at together, with one plan, one annual review and one adviser who knows your whole picture.
You tell us what's going on. We'll work out what you need and the order to do it in.
WAYS TO WORK WITH US (NEW)
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360 Essentials
For households who want a plan and an annual check-in, without ongoing management. Includes an annual 360 Review across all four disciplines, a refreshed health check, a secure document vault, member pricing and
priority booking. General advice only.
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360 Plan
For the household with super, a mortgage, insurance gaps and a decision to make. Comprehensive personal advice, a named adviser, an annual strategy meeting, an annual 360 Review, two check-ins through the year and unlimited email.
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360 Plan+
For multiple entities, investment property or more complex protection needs. Everything in 360 Plan, with deeper strategy and closer attention.
One household, one plan, one published price
Do you want to build wealth, get your super working harder, prepare for retirement or make sure your family is protected? For most households the honest answer is "all of the above", and that's exactly why we bring it together.
360 Plan is comprehensive, ongoing advice across every part of your financial life:
• Strategy and cash flow, so every dollar has a job
• Superannuation, investment and retirement modelling
• Insurance and protection, sized to your situation
• Coordination with your tax return and your lending
Paid monthly rather than with one large annual fee, because households budget monthly and good advice should feel continuous, not transactional.
Wherever you are in life, there's no better time to start. Be confident knowing you have a team on your side.
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Knowing where, how much and why to invest takes specialist judgement. We'll work with you to:
• Understand your short, medium and long-term needs
• Get clear on your debts and your comfort with risk
• Build a diversified portfolio that suits your goals
• Consider gearing, ownership structures and tax effectiveness
• Keep your investments reviewed and on track over time
We start by reviewing what you already hold and what you're working towards. The result is an investment plan you understand and can feel confident about.
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Super is one of the most powerful parts of your wealth, and one of the most overlooked. Used well, including through a self-managed super fund where appropriate, it can be tax-effective and can even hold residential or commercial property, such as your business premises.
We can help you:
• Build towards the retirement you want
• Use super's tax advantages throughout your working life
• Understand schemes that can help with your first home
• Choose how your super is invested
Super decisions are best made alongside your tax and your mortgage, which is exactly how we look at them.
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Many people worry about retiring, especially if they want to stop earlier than planned or haven't given themselves enough runway.
As you approach retirement, a clear plan gives you confidence that your income can support the life you want for as long as you need it. A good retirement plan should:
• Help you build your wealth in the years before you retire
• Set a sustainable approach to living expenses and income longevity
• Consider your eligibility for the Age Pension, Commonwealth benefits and aged care
With the right plan in place, you can slow down, relax and enjoy what you've worked for.
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What would happen to your family if something happened to you? And how should your estate be managed?
A simple will records your wishes, but it can't cover every "what if" in life. We'll help you think through:
• Who would care for your children
• Who would make medical and financial decisions on your behalf
• How your wealth can continue to provide for your family and future generations
• How your super, insurance and assets pass to the people you intend
Where you need wills or legal documents prepared, we'll coordinate with the right legal professionals so it all fits your plan.
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Being prepared for tough times matters. The right cover can protect your income, your lifestyle and your family in the event of death, disability, injury or illness. Finding cover that's both suitable and cost-effective can be confusing, particularly with pre-existing medical conditions.
We'll walk you through the options so you:
• Understand the risks in your individual situation
• Have the right types and levels of cover in place
• Know how your cover is held, including inside super, and what it costs
• Have support at claim time, should you ever need it
So that if the worst happens, your family has one less thing to worry about.
CEO and Managing Director
Abraham Aguilan
Our Wealth Management Team
Senior Financial Adviser
Dhiraj Karmacharya
Financial Adviser
Aaron Phuong
Provisional Financial Adviser
Dejan Stanojevic
Client Services Manager
Minh Vu
Account Executive
Joanee Caser
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