Financial Planning

Together we can

Financial Planning

Let us construct your future together

It’s never too early or too late to achieve your dreams. Financial planning can help different people at different stages of life, whether you’re beginning in your career, enjoying your retirement, or you’re somewhere in between. The earlier you start, the more time you’ll have to achieve your financial goals and build your desired lifestyle.

"In our combined 40 years of experience, these are the common questions we hear most often..."

Will I have enough funds to do the things most important to me and my family?

Am I invested the right way for the next stage of my life?

How do I continue to live my retirement with peace of mind?

Financial Planning is the process of framing objectives

Financial Planning is the process of framing objectives, policies, procedures, programmes and budgets regarding the financial activities of a concern. This ensures effective and adequate financial and investment policies.

Client Analysis

Make an appointment to meet our professional financial planners. Your first meeting is completely obligation-free and we will determine your current financial situation with regard to income, savings, living expenses, and debts. Preparing a list of current asset and debt balances and amounts spent on various items gives you a foundation for financial planning activities.

Risk and Market Analysis

We need to evaluate possible courses of action, taking into consideration your life situation, personal values, and current economic conditions and assumptions. Uncertainty is a part of every decision and in many financial decisions, identifying and evaluating different type of risks is the best way forward. If you agree, your planner prepares a tailored financial plan, with strategies to help you reach your goals.

Investing Responsibly

You planner presents your plan with its recommendations. If you proceed, your planner puts your plan into action. Accresco advocates responsible investment which integrates environmental, social, and governance (ESG) factors into investment analysis and decisions. This approach recognizes that long-term prosperity requires a move away from short-term profit as the only definition of value.

Plan Review

Financial Planning is a dynamic process and over time, your circumstances and legislations may change, so reviewing your plan regularly can help keep it on track.

Online Access

You have online access to your account and you are kept informed of the performance of the fund regularly and a statement of account giving the details about the evolution of your plan is provided.

Goal Achievement

Life is a one-way road where you can only see back on your realization. You cannot go back. We are perfectly aware of this and leave no stone unturned to accompany during the different phases of your life as your financial partner. We tailor your plan as per your desired goals , and ensure it’s still right for you.

How can a financial plan help me?

At any stage of life, having a plan in place can provide you with the comfort of knowing you’re on track to achieve your financial goals.​

Your plan can include:

Our customer-centric approach

Helping you achieve your goals




Goal Achieved

Financial Planning

Build an amazing tomorrow

We all have financial goals, such as retirement, our first car, higher education, securing your child’s future. Whether you are a regular investor or a seasoned one, planning your investments is the first and essential step towards your investment journey. To help you plan and make a well-informed decision, we have designed investment tools.

Retirement Planning

  • Are you confident you will retire comfortably? Retirement can seem far away when you’re in your 20s or 30s and there are so many alternate plans for your money – Of course go overseas, buy a property, raise a family, or just have fun.

  • However, according to several researches, our pension will not be nearly enough to fund the lifestyle we would like when we are no longer working. So the best thing to do is to START saving NOW.

  • The combined effect of improved life expectancy and earlier retirement means that an individual will spend more than a quarter of his life in retirement. While this sounds like good news, it does emphasize the importance of planning carefully and well in advance for your retirement.
  1. How much do I need to retire on?
  2. What is the best way of funding my retirement?
  3. Is my government pension enough to fund my retirement?
  4. How much should I be contributing now for a comfortable retirement?
  5. My pension contribution is sitting in a few different funds. Is it worth moving it?
  6. What are the different types of income streams?

No matter how many years you are to retirement, it’s important to plan ahead. A professional financial planner can provide support to set goals and develop a practical plan to help you achieve them. As you move through life, your circumstances and needs change. Accresco, as your financial planner can review and tailor your plan, to ensure it is right one for you.

Education Planning for the Children

A good education is one of the best gifts you can give your child and it is a fact that children become more expensive as they get older. Also, to accommodate arrival of a new child, you might change your work arrangements and your income could change. A little research and planning NOW could save you from significant financial worries in the long run. The earlier you start to save the better.

  • How much will my children’s education cost?
  • When should I start investing for my child’s education?
  • Should I put investments in my child’s name?
  • Develop a plan based on your goals, situation and timeframe.
  • Set an investment and budget management strategy to accumulate money for your goals.
  • Review and recommend appropriate insurance.
  • Recommend retirement strategies to ensure you’re still saving for your retirement.

If you want us to help you prepare for your child’s education, contact us today.

Holiday Planning

Nowadays, vacations and entertainment have become essential means to de-stress and spend time with your loved ones. Research has found that the most common stressful travel experiences were actually related to pre-travel issues and planning such as financial concerns, packing, making travel arrangements, and developing the itinerary.  Understanding your vacation plan will help you understand how much everything will cost.

  • Lodging costs.
  • How do you intend to get to your destination and costs involved such as ticket fares, taxi cost?
  • Are there any restaurants you want to go to?
  • What activities do you want to do when you get there?
  • Souvenirs and Gifts budget.
  • Travelling insurance.
  • Emergency Money.
  • Do you tend to like to travel on a budget, or do you like to splurge on a little bit of luxury?

Just as with any major purchase, you should talk to your financial planner,  if creating a budget for your vacation is a struggle. The latter will be able to look over your monthly budget and help you figure out how you could be saving more or creating a much more efficient savings plan. Not to forget, your financial advisor is also a resource to help you feel confident in your finances and secure in your future.

Buying your first home – reaching a dream

Buying your first home can be one of the most exciting and stressful moments of your life. Shopping for a house, down payments, and mortgages are all on your mind. Decision to buy your dream home or investment property should be backed by sound financial planning rather than by an emotional decision.

  • Is my credit in good shape?
  • Prepare your finances for the mortgage process.
  • Pre-requisite for Down payment.
  • Compare mortgage rates.
  • Don’t forget about the building and life insurance requirement.
  • Furnishing and furniture are also important major costs to consider.
  • Develop a plan based on your goals, situation and timeframe.
  • Set an investment and budget management strategy to accumulate money for your goals.
  • Review and recommend appropriate insurance.
  • Recommend retirement contribution strategies to ensure you’re still saving for your retirement.

Contact one of our financial planners for more information and assistance.

Succession Planning

When you’ve worked hard to get where you are, you want to make sure that you and your family can enjoy the benefits. Yet, unforeseen circumstances happen. How do you ensure your family are well looked after and that your assets are handed down according to your wishes?

  • What is estate planning? Is estate planning just about making a Will?
  • What is a Will and why do I need to make one?
  • What is a Power of Attorney?
  • What happens if I don’t have a will?
  • What happens to my superannuation when I die?
  • Is there anything I can do to protect my estate?
  • As part of a good, comprehensive financial plan, a Will is essential to ensure your wishes for what happens to your assets after you die are executed. properly.
  • If you have a Will we will usually recommend you review it regularly to keep it up-to-date with your circumstances. We can’t advise you on inheritance laws or write the Will for you. However, we can refer you to a solicitor.

Goal Calculator

Our smart Goal Calculator will help you save and invest in your goal

This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.