What is independent financial advice?

We are certified independent. The CIFAA’s seal of approval shown on our website helps Australians select a financial adviser who operates without receiving incentives and without conflict.

What is a financial advisor and what are the services one offers?

A financial advisor is a professional who provides personalised financial guidance and advice based on your individual financial goals and circumstances.

Why are financial advisors important?

Financial advisors help individuals and families make informed decisions about their finances. Our expertise and knowledge can assist you in creating a tailored financial plan that aligns with your goals.

What can I expect during a consultation with a financial advisor?

During a consultation, we will typically start by getting to know you, your life goals, risk tolerance, and current financial situation.

How can I prepare for my first meeting with a financial advisor?

Before your first meeting, take some time to think about your life goals, both short-term and long-term. Consider any questions you have regarding our approach to financial planning.

How do financial advisors determine personalised strategies for clients?

Financial advisors determine strategies by conducting a thorough analysis of your financial situation. We consider factors such as your income, expenses, assets, debts, risk tolerance, time horizon, and future goals.

Budget And Saving

A personalised budget and saving plan will enable you to get closer to achieving what is important to you in life. Not only today, but more importantly the long run.

A defined budget is an important aspect of wealth management. It’s important to understand where your cash flow is coming from and what you are doing with it.

Personalised Budget And Saving Plan

A tailored budget and saving plan will enable you to move closer to what is important to you in life. Budgeting and saving are fundamental building blocks in managing your wealth.

At Plutus Financial Guidance we are here to work together in designing and constructing financial plans for our clients that provide security and certainty over the short, medium and long-term timeframes.

How We Help Our Community Save

Through conducting detailed analysis of your budget, our independent financial advisors will help you understand where your cash flow can be optimised and where best to direct it.

We then provide you with a structured, personalised budget and saving plan, which will enable you to get closer to achieving what is important to you in life.

From here, we can continuously work with you, updating your plan in accordance with your changing circumstances and needs.

Contact Vince, your local Financial Advisor today.

The importance of independent budgeting advice.

Financial planning must take the form of a dynamic process. Life and personal circumstances evolve and change over time. We will continuously work with you to manage these adjustments.

When seeking advice regarding your budget, choosing an independent financial professional who does not accept kickbacks, royalties or referral fees from financial institutions is of utmost importance.

We are very different compared to other Financial Advisors in Sydney.

Plutus Financial Guidance provides CIFAA-certified independent financial advice. As independent financial advisors we take no asset-based fees, commissions, or kickbacks – nor do we receive referral fees.

We are not related to any financial institution or product manufacturer, nor do we have our own products. Therefore we are not incentivised to sell products to you. Instead, we focus on quality strategic advice coupled with product recommendations that is in your best interest and free from conflict remuneration.

We are not restricted to any particular providers and do not have a limited list of products with undue influence.

Budget and Savings Plan Sydney - Plutus Financial Guidance

Important questions for budgeting and saving

What is my total monthly income?
What are my fixed monthly expenses?
How much am I currently saving each month?
Do I have an emergency fund?
What are my short-term and long-term savings goals?
What is my total debt?
Am I tracking my spending?
What are my financial priorities?
Am I prepared for unexpected financial changes?

How can we help you?

More Than Just An Advisor

It’s our belief that financial advice is very personal and relationship-based. We will listen to your fears, work out the issues driving those feelings and provide practical long-term answers.

Detailed Analysis Of Your Budget

Through conducting detailed analysis of your budget, our independent financial advisors help you understand where your cash flow can be optimised and where best to direct it.

Structured Budgeting Plan

We will provide you with a structured, personalised budget and saving plan, which will enable you to get closer to achieving what is important to you in life.

Personalised to Suit Your Lifestyle

Identification of your financial and lifestyle goals. We will create a plan unique to your situation and needs. Working together to design and construct a tailored strategy for your financial security.

On-Going Support & Monitoring

We offer financial check-ins and remain approachable for consultation to ensure you stay on track when it comes to your budgeting and saving plan.

Client-Centred Expertise

We focus on providing client-centred expertise in assessing your financial profile and situation. Our independence means we aren’t restricted in the advice we offer, you’ll receive the right strategy and product to suit your exact needs.

No matter what life stage you are at, we’re here to help you create positive changes allowing for more time to enjoy the finer things in life.

Vince Lam will provide you with budget and saving financial advice

CONTACT VINCE

What Our Clients Say

“Vince demonstrates integrity, compassion, kindness and goes above and beyond for his clients. We were fortunate enough to meet him and his team at Plutus Financial Guidance. Vince delivers independent financial advice and helped us realise our goals, values and vision. He is a brilliant independent financial planner, Vince has coached us to see what’s important to us and how best to achieve that. Thank you Vince!”

“We engaged Vince and his team to provide independent financial advice regarding our parents transition into aged care. He was highly recommended to us by our accountant and after a number of meetings with Vince to identify our parents needs we received a detailed easy to read report modelling different scenarios based on financial outcome. Vince has a caring approach towards his clients during what is often a difficult confusing time trying to navigate the aged care system. We highly recommend Vince and his team at Plutus Financial Guidance. The advice and independent financial planning they provided to make informed choices was worth the fee. Mum and Dad are going well and we feel they are in the best care available due to their help.”

“Vince is my personal independent financial advisor and sounding board. Since working with Vince over the past year, I’ve become more confident in my financial choices. Vince’s expertise, coupled with the fact that he is an independent financial planner, has been helpful in creating a better financial future for myself and future family. As a person who had saved money my whole working life and not invested or thought about setting myself up for success, I wish I did this earlier! Thanks Vince and team Plutus Financial Guidance for all your support and expertise so far.”

“Vince and Plutus Financial Guidance helped my wife and I improve our financial position and competency. They provided us with independent financial advice, retirement planning advice and guidance on a broad range of services that helped us reach our life objectives. As an independent financial planner, Vince also provides a holistic approach to our financial and personal wellbeing. We are grateful for all that he and Plutus Financial Guidance has done for us.”

“Vince was able to provide me with great independent financial planning advice which gave me the
confidence to make my family’s financial decisions moving forward. He is an extremely thorough
independent financial advisor and he really took the time to listen while at the same time ensuring
he asked many questions to understand my situation. Thank you Vince for the advice, I really
appreciate it.”

“I never thought I would need a financial planner in my life. I was dead wrong. In taking the leap of faith in engaging Vince, he has proven to be a great advisor, coach and friend, in helping me understand how to reach my financial goals sooner. I’ve found that the most valuable aspects of his services are Vince’s dedication and efforts to explain everything to you and knowing that he is an independent advisor without any attachment to a particular brand or service. He has a well balanced and professional approach to his work, giving me such confidence that my finances are in trusted and knowledgeable hands. Thanks Vince!”

“With the help of Vince’s financial expertise and wealth of knowledge, it was an eye opener with my financial situation. I thought I was ok, but I was taking on too much debt and had no financial direction or goals in place for the long term. I now understand what steps I need to take to provide for my family to build financial security when I reach retirement age. Most importantly, I see Vince as an independent financial advisor who guides me in the right direction rather than push products or services on to me. That point of difference and his down to earth nature made it a no brainer in taking him on as my advisor. I highly recommend Vince’s services to anyone who wants peace of mind about their financial future and looking for a quality advisor who genuinely cares for their clients. Thank you Vince for giving me and my family invaluable advice over the years.”

“Plutus Financial Guidance have provided a financial advisory service second to none. Vince took the time to really understand our circumstances and needs. It’s been great working with Vince, he is always helpful and accessible anytime we have questions. He has brought clarity and comfort around our financial plans for the future.”

“Vince has been able to provide independent financial advice based on our needs. He and his team at Plutus Financial Guidance have been particularly helpful and calm during the uncertainty of the markets during the pandemic. He has a way of explaining the benefits of taking a particular financial direction that is easy to understand and encouraging. Vince takes the time to step back and wait until we are ready to decide what decisions will best benefit our particular financial needs. As Vince says “We always have your back”.”

WHAT TO EXPECT WHEN WORKING WITH PLUTUS?

Plutus Financial Advice Sydney - Personalised Savings and Budget Planning Services

Initial Consultation
We begin by scheduling an initial consultation, during which we get to know you, your financial objectives, and your current financial situation. This information helps us develop a tailored plan that aligns with your unique needs.
Financial Assessment
Our advisors conduct a comprehensive assessment of your financial circumstances, including your income, expenses, assets, and liabilities. This evaluation provides us with a holistic view of your financial health and helps us identify areas for improvement.
Goal Setting
We work closely with you to define your retirement goals and aspirations. Whether you dream of traveling the world or enjoying a comfortable lifestyle during retirement, we help you set realistic and achievable targets.
A Personalised Strategy
Our team are professionals in financial assessment and outlining goals. We will help define a personalised strategy which takes into account your risk tolerance, investment preferences, and desired goals.
On-going Management & Review
We believe in the importance of consistent monitoring and financial reviews. Our advisors regularly assess the performance of your investments, make necessary adjustments, and keep you informed of any changes that may impact your financial and personal goals.

As your financial advisory, we’re here to empower you with knowledge and insights, ensuring you remain fully informed and confident in your financial decisions.

GET STARTED TODAY

Budget And Saving

A personalised budget and saving plan will enable you to get closer to achieving what is important to you in life. Not only today, but more importantly the long run.

Personalised Budget And Saving Plan

How We Help Our Community Save

Contact Vince, your local Financial Advisor today.

The importance of independent budgeting advice.

We are very different compared to other Financial Advisors in Sydney.

Important questions for budgeting and saving

What is my total monthly income?

What are my fixed monthly expenses?

How much am I currently saving each month?

Do I have an emergency fund?

What are my short-term and long-term savings goals?

What is my total debt?

Am I tracking my spending?

What are my financial priorities?

Am I prepared for unexpected financial changes?

How can we help you?

More Than Just An Advisor

Detailed Analysis Of Your Budget

Structured Budgeting Plan

Personalised to Suit Your Lifestyle

On-Going Support & Monitoring

Client-Centred Expertise

No matter what life stage you are at, we’re here to help you create positive changes allowing for more time to enjoy the finer things in life.

Vince Lam will provide you with budget and saving financial advice

What Our Clients Say

WHAT TO EXPECT WHEN WORKING WITH PLUTUS?

Initial Consultation

Financial Assessment

Goal Setting

A Personalised Strategy

On-going Management & Review

As your financial advisory, we’re here to empower you with knowledge and insights, ensuring you remain fully informed and confident in your financial decisions.

General Advice Warning

Our Policy

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