Debt should be a tool to serve you and not the other way around.

Our independent financial advisors work closely with you to ensure that you have a debt management strategy and that you have taken on an appropriate level of debt. Too much can cause a lot of stress and conjure feelings of dissatisfaction with life.

Too little or zero debt, on the other hand, might make you feel like you are potentially missing out on opportunities and possibilities. It is important to ensure that this strategy is structured for the long term to help you achieve all of your financial goals.

Discipline is an important element of any strategy. Our work with you constantly evolves with your changing circumstances. We offer CIFAA-certified independent financial advice that is personalised to your circumstances. We also constantly check up with you to help keep you motivated and on the right track.

An independent financial planner can help you utilise debt as a wealth-building strategy.

When it comes to debt management, it is of utmost importance to always to seek out independent financial planners, as they are the ones who can assess your financial health with genuine autonomy, operating without incentive and conflicts of interest.

Vince Lam is a professional Accountant and a Certified Independent Financial Advisor with over two decades of experience. He holds the Certified Practising Accountants (CPA) designation and is an Accredited Aged Care Professional.

A financial health consultation with Vince and the expert team at Plutus Financial Guidance takes an in depth look at your personal financial situation to ensure the present and future health of your position.

It can help you implement the various debt management tools that give you more certainty and peace of mind regarding your long-term financial health.