Tag Archive for: Independent financial advice

financial advice for budgeting and planning

Budgeting & Savings Plans Tailored To Your Lifestyle Goals

Harnessing Financial Success: Tailored Budgeting and Savings Plans for Your Unique Personal Aspirations

It’s true that all aspects of financial planning are dynamic processes, in that every individual has unique financial goals that change throughout the course of one’s life, requiring a flexible and adaptable strategy that changes accordingly. Budgeting and saving advice is no different. 

At Plutus Financial Guidance, the families we work with have a wide variety of goals, from achieving a more relaxed lifestyle to having more time for life’s essential things such as family time and the pursuit of hobbies and interests. 

It’s these reasons why we strive to provide independent budgeting and saving advice that responsibly and ethically considers your present financial needs, while enabling you to achieve any future lifestyle goals.  

How We Help Our Community Save

Through conducting detailed analysis of your budget, our independent financial advisor 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 savings 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. 

It is also important to note that Plutus Financial Guidance are independent financial advisors, meaning we are not incentivised to sell any products to you. 

We are simply there for you to keep your drive and motivation up and hold you accountable, to ensure you stay on track when it comes to your budgeting and savings plan. 

About Us

Vince Lam is a Professional Accountant and a Certified Independent Financial Advisor. 

He holds the Certified Practising Accountants (CPA) designation and is an Accredited Aged Care Professional.

Feel free to get in contact with us today to book a financial health discovery consultation with us.


tailored independent financial advice

Independent Financial Advice Tailored To Your Needs

Tailoring Financial Advice for Lasting Peace of Mind

For those who have passionately created a successful business or career in their working life and have only recently chosen to retire, speculation about future economic conditions can be cause for concern. 

This is entirely normal, and indeed, such speculation can be particularly worrisome for individuals who have built considerable wealth over a long career, through a business, investing and self-managing their finance. 

Ultimately, it important to recognise that every individual has different needs when it comes to managing their finances, irrespective of external factors. In any case, it is always a good idea to have a truly independent financial advisor in your corner to help alleviate these concerns. 

Expert Guidance for Your Unique Financial Journey

The expert team at Plutus Financial Guidance provide independent financial advice based on your individual needs. We strive to always be helpful and be a calming voice when it comes to managing your finances.

By providing a holistic approach to your financial well-being, we can help you become more secure in your financial choices, and remain so, even during the more complex financial decisions one must make in life. 

A Personalised Approach to Financial Security

At Plutus Financial Guidance, we are not selling the idea of overnight success or instant gratification; we believe financial advice is very personal and relationship-based. We work with families who share our sense of community and who care about the people and environment around them like us. 

Clarity and Comfort in Your Financial Plans

We do not charge families asset-based fees or accept referral fees. We offer certified independent financial advice, meaning we will always act with the utmost integrity in your best interest. This also means we are not bound to any financial institution or product manufacturer. Simply, we do not use generic financial products. All of our work is tailored to each family’s needs. 

We hope this article helped give you some clarity and comfort around your financial plans for the future. Please do not hesitate to contact us today if you have further questions regarding our independent financial advisory services. 


financial advice for wealth building

The Role Of Independent Financial Advice In Building Wealth

Empowering Your Financial Journey with Independent Advice

At Plutus Financial Guidance, we believe that financial advice should be transparent. We have put together this article to shed some light on the role independent financial advisors play in building wealth and to help you decide whether our financial advisory services are right for you. 

The importance of independence

The primary difference between certified independent financial advisors and other providers is that, with no commissions arriving from other avenues, your result is our only priority. 

We focus on providing client-centred expertise in assessing your financial profile and situation. Our tailored strategies are purpose-fit to meet your goals. 

Being independent means we aren’t restricted in the advice we offer, you’ll receive the right strategy and product to suit your exact needs.

More than just an advisor

At Plutus Financial guidance, 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. From there, we will build long-term wealth management strategies, matching each person’s risk appetites and lifetime goals.

Everyone has unique needs when it comes to personal wealth. 

Plutus Financial Guidance provides a wide range of independent wealth management services tailored to a broad range of client goals, delivering the tools for certainty and peace of mind regarding your financial position.

Contact Your Local Financial Advisor

Connect with Vince, your trusted local Financial Retirement Advisor, who possesses the knowledge and experience to guide you through your life journey

Vince Lam and the team are your independent financial advisors here to help. 

CIFAA financial advice

CIFAA Certified Independent Financial Advice

The key advantage of an independent financial advisor is that they will assess your financial health and provide financial advice with genuine autonomy.

To qualify, certified independent advisors must satisfy these criteria:

  1. Have no ownership links or affiliations with financial institutions, super funds or insurance providers.
  2. Not accept commissions or volume-based payments related to the placement of a financial product.
  3. Not receive any other gift or remuneration that may reasonably be expected to influence the advice provided.

The team at Plutus Financial Guidance are practising members of The Certified Independent Financial Advisors Association (or CIFAA). 

CIFAA guides Australians on how to find financial advisers who practice without incentive and conflicts. Members of CIFAA are not aligned with banks, financial institutions, super funds or insurance companies, nor do they receive payments or commissions from these bodies.

For practising members, such as the expert team at Plutus Financial Guidance, the “Certified Independent” symbol represents CIFAA’s seal of approval, helping Australians select a financial adviser who operates without incentives or conflicts of interest. 

At Plutus Financial Guidance, we firmly believe that the best results come from a close relationship with a trusted & entirely independent advisor.

Your Local Financial Advisor

Vince Lam is a Professional Accountant and a Certified Independent Financial Advisor with almost two decades of experience.

He holds the Certified Practising Accountants (CPA) designation and is an Accredited Aged Care Professional.

Please feel free to book a consultation today. We look forward to helping you protect your wealth and achieve your life goals. 

6 Ways In Which Plutus Financial Guidance Are Super Helpful

estate planning advice

The Importance Of Independent Estate Planning Advice

When it comes to estate planning, a calculated forward-thinking approach is required to maximise results and assure your loved ones’ financial freedom in the future.

Key Considerations for estate planning

Estate planning encompasses areas beyond which family member or members will inherit your property and assets. 

An estate plan is devised to decide who is going to manage your entire estate including assets and financial obligations in the future. We have various estate planning tools available to you to help with this task.

There are many important decisions to make when creating an estate plan. Our team of experts have the experience and expertise to help you every step of the way. From choosing the right estate planning documents, to understanding your tax obligations, we will guide you through the process and answer any questions you may have.

Plutus Financial Guidance are here to help

The Plutus Financial Guidance team, led by Vince Lam will help you build a tailored plan for the future of your finances. 

Independent estate planning means that our practice operates without incentives or financial conflicts of interest. We ensure that your loved ones are guaranteed financial security, giving you and your family peace of mind.

We will help you create a comprehensive plan for your future estate which considers all necessary factors, tailored to your personal financial needs and situation. Other areas of focus that Plutus Financial Guidance can also help you with include trust planning, retirement and aged care financial advice, superannuation advice and more.

If you would like more information on how we can help you and your family with estate planning, please do not hesitate to get in contact us today. 

Contact Your Local Financial Advisor

Connect with Vince, your trusted local Financial Retirement Advisor, who possesses the knowledge and experience to guide you through your life journey

financial advice for wealth building

Why Choose Plutus As Your Independent Financial Advisor? 

Every individual has unique goals regarding their personal wealth. Generally speaking, achieving a relaxed lifestyle where we have more time to focus on the important things in life is what many of our clients strive for.  

Our goal at Plutus Financial Guidance is to ensure we help create, improve and protect your wealth sustainably throughout your career and when the time comes, well into retirement. 

We do this by delivering personalised strategies across all areas of wealth management and providing each of our clients with tailored, specific independent financial advice. 

What Makes Us Different: 

We offer a range of financial services to address the many needs of our clients. 

Our approach is quite different from most financial planners in several ways. Firstly, in that our advice is entirely independent and completely tailored to your individual needs and goals. 

Secondly, we are different in that we do not charge our clients asset-based fees or accept referral fees. We offer certified independent financial advice, meaning we will never take kickbacks for recommendations. This also means we are not abutted to any financial institution or product manufacturer. Simply, we do not use generic financial ‘products’. All of our work is tailored to each of our client’s needs. 

Our Unique Philosophy: 

There is an ethos that runs deep throughout our services. We work with clients who share our sense of community and who care about the people and environment around them like us. We are not selling the idea of overnight success or instant gratification; we believe financial advice is very personal and relationship-based. 

For those looking to learn more, or seeking further information regarding the need for an independent financial advisor, please feel free to get in contact with us today or read our FAQ’s for more information.

Contact Your Local Financial Advisor

Connect with Vince, your trusted local Financial Retirement Advisor, who possesses the knowledge and experience to guide you through your life journey

independent financial advisors

Ideal Candidates For Our Financial Advisory Services

When it comes to personal wealth, everyone has unique needs. It’s true that for some it can be difficult to know if their specific financial goals require financial advice. At the very least, it is useful to have an idea around what life stage one should consider speaking with a financial advisor.

The expert team at Plutus Financial Guidance have put together this article to help guide you through the process of figuring out if independent financial advice could be beneficial to your specific needs. 

Are you looking to retire in the near future? 

At Plutus Financial Guidance, we provide easy to follow financial advice for retirement, customised to your specific retirement needs and goals. We are here to help you gain the freedom to choose how long you will continue to work and to provide peace of mind surrounding a financial plan. 

We are here to help you understand all of the options and tactics available to you, allowing you to make informed choices when it comes to planning for your retirement. 

Are you looking at aged care options for you or a family member? 

At Plutus Financial Guidance, we work closely with individuals and families to assist in making educated decisions when looking at future aged care options for a loved one.

Unlike regular financial advisors operating around Sydney, Plutus Financial Guidance proudly provide CIFAA certified independent financial advice. 

Are you looking to make plans in advance to ensure you and your loved ones will be protected financially?

Plutus Financial Guidance provides a wide range of independent wealth management services tailored to a broad range of client goals, delivering the tools for certainty and peace of mind regarding your financial position.

We believe that financial advice should be transparent and structured, so our clients can achieve their aspirations over the near and longer term. 

Contact Your Local Financial Advisor

Connect with Vince, your trusted local Financial Retirement Advisor, who possesses the knowledge and experience to guide you through your life journey

retirement planning and aged care financial advice for retired people, retired couple sitting on a bench

What to ask when planning for retirement?

Retirement is an exciting chapter that we all look forward to embracing. It’s a time that affords more freedom and flexibility. Embarking on this journey can be made easy with the right planning and preparation.  

Retirement planning helps with crucial decision making including financial requirements and timing of your retirement. Plutus Financial Guidance are here to provide clarity and certainty about your financial future. 

Vince Lam, principal at Plutus Financial Guidance has compiled a list of questions to consider when planning your retirement: 

  1. When would you ideally like to retire? 
  2. What is your retirement lifestyle aspiration? 
  3. Where do you want to live when you retire? 
  4. What are your retirement savings requirements? 
  5. How long will your retirement savings need to last? 
  6. How are you best able to preserve capital for the next generation? 
  7. Will you be eligible to receive any government support when you retire? 
  8. Are there any tax implications when you retire? 
  9. How important are liquid assets when you retire? 
  10. Who will manage your assets when you do finally retire? 

Having an independent financial advisor in your corner can be valuable when working through these questions and putting together a retirement planning roadmap. 

Vince Lam is an independent financial planner here to help you achieve your life goals, including understanding the options at your disposal, the implications of relocating, topping up your super or developing a low-risk investment portfolio. The team at Plutus Financial Guidance believes in giving honest and socially responsible financial advice to clients. We receive no asset-based fees, commissions, kickbacks, or referral fees. 

Contact Your Local Financial Advisor

Get in touch with the Plutus Financial team today. We are here to provide help and consultation for planning your retirement. 

retirement planning and aged care financial advice for retired people, retired couple sitting on a bench

Wealth Management & Protection Post-Retirement

As a retired self-managed investor, perhaps you have thought about taking a more passive approach to wealth management and protection as you enter this next life stage.

For individuals who have built considerable wealth over a long career, through investing and self-managing their finance, it may be a good idea for you to seek an independent financial advisor to manage your portfolio post-retirement.

Plutus Financial Guidance offer independent financial advice and are here to help you take measured steps towards peace of mind investment management in the later years of life. 

Here are a few things to consider when making this decision. 

Firstly, getting started on developing your succession plan sooner, rather than later means you have more time and options for diversification and allocation.  

Having an idea of what age you would like to engage an independent advisor with your investments is a good start. Some investors might consider  doing so in their 60s, getting professional advice on their investment portfolio and financial affairs, others won’t be until a later stage of life. 

It’s important to factor in long-term care into your plan, including the possibility of the added costs associated with nursing & aged care. For more information on the topic of aged care financial advice, feel free to head to our blog post on this topic; alternatively, head to the page on our website that outlines our services offered in this area. 

We understand that it can be challenging to let go of self-managing your finances, that’s why, when this time arrives, having an independent and gold-certified financial advisor in your corner who you can trust can be an invaluable asset.

If you have found this blog post helpful and would like to learn more about our wealth management services, please feel free to contact the expert team at Plutus Financial Guidance today. 

Contact Your Local Financial Advisor

Connect with Vince, your trusted local Financial Retirement Advisor, who possesses the knowledge and experience to guide you through your life journey