Financial Planning

Plan for Life.

Peace of mind and financial success can only come from taking personal control and following a solid and sensible plan tailored to your life and objectives. The plan must be executed with utmost care to protect you, your family and your investments and deliver maximum wealth creation. Expert advice for a more certain and secure future!

Financial Planning Services:
tax-effective investment | cash management & budgeting | income protection | life, tpd & trauma insurance | superannuation | managed funds | maximising centrelink benefits | age pension & retirement planning | estate planning

For assistance please call us on 08 8451 1500 or contact us here

  • Confused by all the services and options? Not sure where to start? Don’t worry just book in your free Finance & Wealth Evaluation [valued at $330] and have an expert assess which of the services might be of benefit for your circumstances. To request an appointment click here


Why Urbantech Wealth?

Planning with Urbantech

We pride ourselves on providing you with financial advice and solutions personalised and tailored to meet your individual needs and designed to achieve your financial goals.

We offer a wide range of financial services including:

  • Superannuation and Pension Advice [including UK Pension Transfers];
  • Risk Insurances [including Life Insurance, Critical Illness and Income Protection];
  • and Wealth Creation [including Margin Lending, Investment Advice and Retirement Planning].

We understand how busy life can be and how easy it is to avoid dealing with your financial affairs. We also appreciate how difficult it is to find the time and therefore our appointments are booked around you.

We offer a free, no obligation initial consultation either over the phone or on a one to one basis with home consultations available both in the evenings and at weekends if required. We strongly believe that the quality of our advice and recommendations is based on a solid understanding of your current financial situation, together with your wants and needs in terms of lifestyle and retirement.

The initial fact find consultation takes approximately 1 ½ hours and provides adequate opportunity for you to get to know your adviser and the unique style of advice service that we offer. During this meeting, your adviser will complete a detailed fact find questionnaire with you to ensure that we have a comprehensive understanding of your current financial position, goals and objectives. Time permitting, your adviser will provide an overview of some of the strategic recommendations that we believe may be appropriate for you to consider.

At the end of this meeting we may ask you to engage our services by committing to the Advice Process. However, there is no obligation to actually implement any strategies or recommendations as part of this process.

We will also ask you to sign a client authorisation form which authorises us to contact the various institutions and professionals to gather detailed information regarding your investments, insurance policies and financials to enable us to review your current situation.

For assistance with all your financial planning needs call 08 8451 1500


What to expect when you see a financial planner – the 7 step process

We takes great pride in assuring the financial advice you receive is always tailored to your needs. To identify your personal financial goals a Urbantech Wealth financial adviser will take you through a simple step by step process.

  • 1. Contact – Make an appointment with us.
  • 2. Your finances and you – Our financial adviser can arrange a consultation that allows you to discuss your financial circumstances. Together you will identify where you are now and where you would like to be. We recommend you compile the following documents [listed below] for the initial interview to enable your adviser to obtain a clear understanding of your financial position:
    – Personal investment details including investment and superannuation statements;
    – Tax returns;
    – List of liabilities eg. – amount and applicable interest rates;
    – Additional assets
    On first meeting, your financial adviser will provide you with a Financial Service Guide which outlines their;
    – Qualifications Responsibility for advice given
    – Restrictions applying to advice given
    – Fees and charges
    – Complaint resolution schemes available
    – Privacy information
  • 3. Information appraisal – Your financial adviser will collect the necessary information to build and customise your new financial plan. Based on the information supplied your adviser will determine your financial position and classify your goals based on your risk profile.
  • 4. The building blocks – Your financial adviser will develop the personalised strategies needed to build and enhance your financial future. This plan, along with formal written recommendations will be presented to you in a Statement of Advice.
  • 5. Perfecting your strategy – Here you will have the opportunity to discuss the proposal and make sure you are comfortable with the recommendations made by your financial adviser.
  • 6. Making it happen – If you are completely satisfied, your financial adviser will ask you to sign an ‘Authority to Proceed’ that formally documents your consent. Your adviser will then implement the agreed recommendations on your behalf.
  • 7. We are here for you – You will continue to have full support and assistance from your financial adviser. Your financial objectives, goals and needs will be revised periodically to maximise the success of your financial wellbeing.

It is important to remember that you are in control and can decide whether to stop, change or continue at any stage of the process.

The law requires that any personal advice you receive from a financial adviser must be appropriate to your circumstances. While you have the right not to tell your financial planner personal information, if you don’t, the advice you receive may not be appropriate to your needs and your financial situation.


Learn more about our services

Our financial advisers have a wealth of experience and knowledge accumulated over many years.

Investment Strategies

Figuring out which investments can best help you deliver your comfortable retirement requires an understanding of:

  • What your investment options are;
  • How different types of investments tend to perform over long periods of time;
  • Your financial goals, so you can pick an investment mix suited to your specific retirement investment objectives and risk tolerance.

Your primary investment choices can be broken into four general asset categories: shares, property, fixed interest/bonds and cash.

Though each may play a role in your long-term strategy, investing directly in shares, property, fixed interest and cash is not always easy for the individual investor.

Creating the ideal investment mix involves identifying your personal objectives and risk tolerance and diversifying your investments accordingly. That is, choosing what’s appropriate for you and acquiring the appropriate investments.

Monitoring and modifying your investment mix over a long period of time can also be a daunting and time-consuming task.

Your financial adviser will determine your profile through a confidential client data collection form and advise you of your best options to achieve your goals.

Gearing Structures

Geared investments, or investments made with borrowed money are generally designed to increase the potential for tax deductible expenses such as interest costs.

The goal of this strategy is for the assets purchased with borrowed money to increase and create a profit when sold after repayment of borrowed funds plus expenses.

Normally geared investments are used to buy direct property or Australian listed shares.

The main risk associated with such a strategy is that the asset you purchase will actually fall in value, even to the point where selling the asset doesn’t completely satisfy the underlying debt.

This will mean that, although you might receive extra tax deductions over time, you might actually lose capital [and carry over a debt] when you eventually sell the asset.

The potential to make a higher gain by borrowing exists only because of the added risk you take in using borrowed funds in the first place.

Managed Funds

Managed funds pool the money of individual investors who share common investment goals. Professional fund managers use the pool money to buy investments, such as shares, property, fixed interest and cash that are consistent with the fund’s financial objective.

One the biggest benefits of managed funds are they offer instant diversification of your investment with expert management.

When you invest in a managed fund, you purchase units in that fund.

There are managed funds for virtually every investment objective.


Superannuation is a form of savings, where money is set aside by you and/or your employer and invested for your retirement. It is generally an ideal way to invest money for your retirement. Many funds also pay benefits in the event of your death, or if an illness or accident makes you unable to work.

Your retirement savings grow because money is paid in regularly and invested at a concessional rate of tax. Tax concessions and other government benefits currently make Superannuation one of the best long-term investments. Money from your Superannuation account can usually be taken out only at retirement. Contributions paid into a complying Superannuation fund are typically invested in a range of assets, such as cash, property and shares.

Advantages include:

  • Employers usually contribute at least 9% of your earnings base to your fund;
  • Contributions and earnings are generally taxed at a lower rate compared to other forms of investment;
  • You can add to your investment on a regular basis;
  • Your access to your investment is restricted, so you can’t be tempted to spend it before you retire;
  • You may be eligible to receive a tax deduction for your superannuation contributions;
  • Your superannuation can go with you when you move around the workforce.

How much money you will need depends on the level of income you want during your retirement years, and the number of years that you’ll be relying on your own funds. The higher the income you want, and the longer you need it, the more money you’ll have to save before retirement. Your financial adviser has an excellent understanding of the various Super options available and can help you to calculate that amount of money you may need in retirement.

Life Insurance

With life insurance, the life you’re really insuring is everyone else’s! Life insurance that pays out upon death is to all intents and purposes death cover. While you won’t be around to enjoy any benefit, your family will and that’s why it’s important to have some kind of cover. As the major breadwinner, who would look after your family when you die? Do you really want to be beholden to someone else to look after your family? What if they need to go on welfare?

Income Protection

Insurance While life cover will look after your family when you die, what happens if you can’t work because of illness or an accident and it’s going to take months to recover? Or maybe you can never work again and you’ve got school fees to pay, food to buy and a mortgage hanging over your head.

This is when you need income protection insurance, otherwise known as disability insurance. It’s estimated that you will earn something like $4 million dollars over your working life, so it would be fair to say that your income needs protecting a lot more than your home and your car. This is even more so given that at the age of 35 you are ten times more likely to be disabled than die.

Trauma Insurance

If you’re diagnosed with a critical illness or crisis, trauma insurance can relieve your financial difficulties. Unlike income protection insurance, which is dependent on your inability to work, trauma cover is paid out on the diagnosis of a defined critical illness regardless of your working status.

Instead of receiving a monthly income stream, you are paid a lump sum that you can spend on whatever you like – medical bills, your mortgage, an overseas trip, even a new car. The insurance company makes no demands on how you spend the money. Trauma insurance is often an adjunct to term life policies.

Estate Planning

It’s only natural that we prefer not to think about death and, as a result many put off planning for this situation.

However, it is vital to plan how you would like your assets to be divided in the event of your death to ensure they are distributed efficiently and according to your wishes. All sorts of problems can occur if you have not planned your affairs properly.

Planning can also ensure your assets are distributed in a tax effective way and can minimise the effect of capital gains tax. As part of the process you should also check your superannuation funds and life insurance policies to see who you have nominated as your beneficiary and seek to make changes if necessary and possible.

Property and investments which are held as ‘joint tenants’ cannot be distributed through your Will. Ownership passes automatically to the surviving owner. If owned as ‘tenants in common’ your share in the property is distributed through your Will.


Note: The above-mentioned services are provided to Urbantech clients by selected qualified business partners.

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Urbantech provides a complete service to build and protect your wealth; mortgage & finance broking, +plus a range of allied services. Simply put we'll make sure you get the best deal going. To get started today book in your FREE Finance & Wealth Evaluation or call us on 08 8451 1500