Our Services
How We Can Help You!
At Harvard Wealth we aim to be there for you at all stages of lifes Journey. We offer a range of Services from Debt Reduction and Wealth Creation Strategies, to Superannuation advice and retirement planning. We will help you develop the plan, provide you with a range of resources to help, and our Money For Life program will be there to get you where your going.
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Money For Life Program
The Money for Life Program is the Harvard Wealth Flagship course that, step by step, will lead you to a level of financial literacy you never knew you needed.
The Program guides and supports you from the first steps with; goal setting to get you heading in the right direction; to plans for budgeting, debt reduction, savings, investment options and strategies; an array of resources, tips, cheat sheets and other tools to educate and give transparency and accountability to your financial world.
We all know about savings, we all know about budgeting in one form or another, so regardless of your current knowledge base, the Money for Life Program promotes the ACTION of good personal financial management, getting those who KNOW to becoming those that DO.
Regardless of your starting position, the MFL Program provides the knowledge and skills required for good financial health, and the key to building long term wealth.
Debt Advice
Good, Bad, Hedged, Structural; there appears to be no end to the types of debt you can go into. Have you ever thought it funny that there is one name for savings?
The key to debt is to ask whether it is working for you or against you, and can you tell the difference.
At Harvard Wealth we will help you to understand where your debt lays, how to get out of debt that is working against you and how to use other people’s money to your advantage.
Cash Flow Management
Understanding cash flow is one of the true Keys to Wealth creation. Managing how you handle your money, how and where you spend it and when, is one of the most important accountability measures to Wealth Creation.
Have you ever found that you’re earning more than you ever have, and yet have the same amount of money at the end of the month or less? Have you ever had to downsize dramatically due to a job loss or illness to find that you don’t fall off a cliff and somehow manage to make it through? Ever fallen off the financial cliff and wonder “how did I get here?”
More than anything, managing cash flow is about headspace, taking ownership and accountability of your finances, and actively engaging in the wealth creation cycle. The alternative is the spiral of financial ruin, or worse, a long winter of financial mediocrity.
Superannuation
Super used to be that compulsory levy that was intended to replace the pension right?
Now day’s superannuation is so much more. For the most financial savvy, superannuation is an abundant resource for wealth creation, investment, personal protection, and creating a legacy for our children, as well as a comfortable retirement of course.
Salary Sacrificing Advice
Does your employer offer Salary Sacrificing? Are you using it effectively? Is it right for you and to what extent?
Salary Sacrificing is an excellent tool for utilizing pre tax income and improving cash flow, but can also be the playground of hubris, which could end up costing you money.
We will help you plan the long-term decisions around salary sacrificing and decide how best to use it.
Insurance and Risk Planning
Deep down we may all be optimists. We hope not to lose our job, we hope not to get ill, and we will live to 120, like Joe Hockey said. The reality is that unfortunate events can strike any of us without warning.
A pragmatic and reasonable approach to Risk Management is what is required. Income protection, life insurance, Trauma and Permanent Disability Insurance, none of these sound as entertaining as, well anything else. Until you need it.
We will help you understand what you, and your family need. We will also show you how best to structure it so as to get you the most, but cost you the less, using your existing resources like your superannuation, and do it in the most tax friendly way possible.
Investment Advice
Investing take many forms. It might be shares or an investment property. Knowing the pros and cons for YOUR personal financial position and personality is critical.
Building a solid base form where to build your portfolio, developing the cash flow that will sustain it, these are but a few of the considerations and skills of a long-term wealth creation strategy.
Alternatively, what may seem like a good idea could easily become a commitment level you never intended. What everyone else is doing my not fit your long-term plan, regardless of how exciting.
We will help you get to the point of being in the right place at the right time and being in a position to say yes. We will also be here to back you up, when you need the strength to say no.
Financial Strategies
Investing take many forms. It might be shares or an investment property. Knowing the pros and cons for YOUR personal financial position and personality is critical.
Building a solid base form where to build your portfolio, developing the cash flow that will sustain it, these are but a few of the considerations and skills of a long-term wealth creation strategy.
Alternatively, what may seem like a good idea could easily become a commitment level you never intended. What everyone else is doing my not fit your long-term plan, regardless of how exciting.
We will help you get to the point of being in the right place at the right time and being in a position to say yes. We will also be here to back you up, when you need the strength to say no.
Gearing Strategies
Positive Gearing, Negative Gearing, Margin Lending. Gearing simply about putting other peoples money to work for you. But they don’t give it to you for free.
We help you understand the pros and cons of gearing, how it affects your cash flow and overall financial position. We can help you decide when the time is right and what sorts of investments are right for you.
Property Investment Strategies
Positive Gearing, Negative Gearing, Margin Lending. Gearing simply about putting other peoples money to work for you. But they don’t give it to you for free.
We help you understand the pros and cons of gearing, how it affects your cash flow and overall financial position. We can help you decide when the time is right and what sorts of investments are right for you.
Ongoing Portfolio Review
Ever get that underwhelmed feeling after you make a purchase and once you have bought it, the sales person want as little to do with you as possible? One of the major considerations when developing a long term Financial Strategy is whether the architect of the plan is going to be around long term to see it through with you and not transferred to another branch in another town.
At Harvard Wealth, we do not set and forget. We are here to help you reach the goals you have developed. We also know that goals can change, families can change, and economies can change. We are here to guide and help through the turmoil and celebrations that life brings and we are here for the long term.
Our hands on approach to your wealth creation means we are here for you whenever you need us, and that we are continually assessing our recommendations to ensure that they are right for you and continue to be right for you
Significant Wealth Event Management
Sell that investment for a big bag of cash? Win the lottery? Or did a loved ones estate planning deliver you the wind fall they always planned?
Rapid large influxes of wealth can have rapid and large effects on people’s lives. We are here to help you decide how best to utilize that windfall, resist the hubris to spend it all, manage it effectively, and make sure the it delivers value over a long period of time.
Retirement Planning
How much superannuation do I need when I retire? This is a common question that many people ask, especially as they approach retirement, and it is a very complicated question for many to answer. Retirement is of course not just about how much superannuation you have, but about managing your cash flow so you can life the retirement you have always wanted. It’s about setting up ones life prior to retirement to take away the nasty surprises that may arise once your income earning days are over. Vehicle reliability, house maintenance, and an influx of grandchildren may all be expenses you don’t see coming.
Getting to know You and who you are, and what you want to do in your retirement, and then developing a strategy as early as possible, is the key to a successful independent retirement.
Small Business Advice
The decision to start or buy a small business is one of the most complex decisions you will ever make in personal finance.
At Harvard Wealth, we have experienced resources that can share their knowledge and experiences to best prepare you with realistic expectations of what is required to run a successful small business and the commonalities of what cause small businesses to fail.
We will ensure you are positioned financially to give your business the best chance of success, and we can advise on the pitfalls that can end up costing you more than you bargained, and most importantly, what mechanisms there are to protect you from falling in.
Estate Planning Strategies
We spend our lives creating wealth, and with the right planning and structures, we can ensure that this life and wealth can provide the springboard for our next generation. The time of a departure is also a intensely emotional one, we can help remove the worry and concern of the financial burden left by the departure of a spouse and ensure that the family unit left behind, is removed of the stress of financial insecurity.
Accountability Breeds Performance
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