Our Financial Planning Process
Discover how we transform complex financial decisions into clear, actionable family wealth strategies through our proven methodology.
Research-Backed Approach
Our methodology combines behavioral finance research with practical Australian market insights. We've spent years understanding how families actually make financial decisions - not how textbooks say they should.
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Family dynamics assessment before any financial recommendations
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Risk tolerance testing that accounts for emotional decision-making patterns
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Scenario planning using real Australian economic data from the past 30 years
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Quarterly review system that adapts to changing family circumstances
Real Family Transformations
Here's what typically happens when families move from scattered financial decisions to coordinated wealth building strategies.
Scattered Financial Decisions
Most families come to us with separate super accounts, random insurance policies, and no clear connection between their mortgage strategy and investment goals.
Typical concern: "We're saving money, but are we doing this right?"
Coordinated Wealth Strategy
Same families now have integrated plans where every financial decision supports their long-term goals. They understand exactly why each strategy fits their situation.
Common feedback: "Finally, everything makes sense and works together."
Before working with zircalexon, Sarah and I had super spread across four different funds, three insurance policies that overlapped, and we were paying off our mortgage using the slowest possible method. Now everything connects. Our mortgage strategy feeds into our investment plan, and our super is actually working toward our retirement goals instead of just sitting there.
What You Actually Get
Practical financial planning services designed specifically for Australian families who want clarity over complexity.
Family Financial Audit
Complete review of your current setup - super, insurance, mortgages, investments. We identify gaps and overlaps you didn't know existed.
Integrated Strategy Design
Custom plan that connects all your financial decisions. Every strategy works together toward your specific family goals and timeline.
Ongoing Strategy Management
Regular reviews and adjustments as your family situation changes. Your plan evolves with you, not against you.
Simon Bradshaw
Senior Financial Strategist
Twenty years helping Australian families navigate everything from first home purchases to retirement transitions. Simon specializes in turning complicated financial situations into straightforward action plans that actually work in real life.
Ready to Get Started?
Most families see immediate clarity after their first strategy session. We're booking initial consultations for mid-2025.
David Chen
+61285998751