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Often people are put off by budgeting as they quite rightly feel that they are getting bogged down in the detail of tracking where every cent goes and lose track of the bigger picture – and who has the time anyway?

True cash flow management combines short term measurement of your income and expenditure with long term planning for things like debt elimination, investment or saving for a specific goal.

With a banking structure that simplifies rather than complicates, a system that takes minutes each month rather than hours and feedback that motivates rather than discourages, Stottsure Financials unique Moneysoft system is helping Australians take control of their finances, their lives and their future.

With debt so easy to access these days through credit cards, personal loans, let alone home finance it is no wonder that juggling debt repayments amongst all of the other expenses has become a very stressful experience for most of us.
Debt can play an important role in helping us achieve our long term goals and objectives. Properly acquired and structured debt coupled with a robust cash flow management process can help to reduce “inefficient debt” quickly and replace it with “efficient debt”

No one likes to think about it, but we all know that at some point, we will pass away. When we do, we will likely leave family behind, and because of that, it is extremely important to have some estate planning in place well before anyone is in a position to need it.
Estate planning is essential to providing you peace of mind that your family will be secure if something happens to you. If you have assets, whether it is a house, business or superannuation, you should consider estate planning.

More than simply making a Will, estate planning means arranging your assets so the people you want to take care of, receive the financial support they need, when it's most needed.
It ensures that the right funds end up in the right hands, at the right time

We have an investment philosophy that includes established long-term strategic partnerships with a range of specialist investment managers who are recognised as being the best in their area of expertise.
By combining these specialist investment skills with our services and distribution strength, we are able to offer an exclusive range of high quality specialist investments to our Australian clients.

Our approach ensures that our clients benefit in several ways including:
• Gaining access to the expertise of managers who possess proven and disciplined investment styles
• Having a breadth on investment options certain to suit any circumstance, and
• Providing the flexibility to add or change strategic investment partners where necessary to achieve their investment objectives.
We adhere to three core investing principles we believe essential to generating returns:
• Active investing for higher long-term returns
• Extensive research finds the best opportunities
• Risk management for reliable results

We only consider investment managers who apply these principles in their approach to managing money. In addition, each manager must demonstrate a successful track record. A commitment to a disciplined investment style and a reputation as one of the best within their area of expertise.

How often do we say things like, “it will never happen to me” or “don’t worry, we’ll be ok if something goes wrong”?
When it comes to insurance it’s often very easy to justify to ourselves why we don’t need to do certain things, even when commonsense tells us that without having proper risk protection measures in place we are leaving ourselves and our families potentially exposed.

But how insured are you against something like a critical illness? What would happen, for instance, if you suffered an injury or illness that stopped you from working for an extended period of time? Even the most common disabilities can keep people away from work for extended periods.

Ask yourself, if you were unable to work due to injury or illness, would you rather lose your house or your mortgage?

Retirement means different things to different people. For some, it’s a definite point in time when work stops and a new phase begins. For others, retirement may be a gradual process as they leave employment for a time and return later, or vary their working hours as priorities shift and change.

Often, retirement comes earlier than expected – for example, because of redundancy or poor health.

Whatever your path to retirement, one of the big challenges most of us face is how to pay for it. The financial aspects are often complex, and getting reliable and trustworthy information is vital

The earlier you start preparing for retirement, the more options you have to set a course that suits you.

The next thing to do is to sort out your finances. Work out how much money you have now, how much you might have in the future and where it is coming from

If you’re like most Australians, superannuation will be one of the most important investments you’ll ever have – along with a home and an ability to earn an income.
Not only is it likely to be one of the biggest investments you’ll have by dollar value, it will also be what you depend on when you no longer work for an income.

Increasing life expectancies mean the superannuation of many Australians will have to last them for a retirement of 20 or 30 years.

How much you have in superannuation will influence your standard of living in retirement. So taking an early interest in your super can really pay off.

You might think of superannuation as a compulsory way the Government makes people save for their retirement years. It is, but it is also a lot more than this. So don’t let the jargon surrounding superannuation and the seemingly complex rules put you off.

The purpose of a Business Succession Plan is to pre-agree a strategy that will enable a Business Person to exit a Business upon the occurrence of an Insured Event.

There are two different types of insurance-funded Succession Plan:
• a Simple Succession Plan (Asset Focus); and
• a Complete Succession Plan (Asset and Liability Focus).

In contrast to a Simple Succession Plan, a Complete Succession Plan does not just focus on your Asset. It looks at your Liabilities as well. In other words, when you leave a Business, it helps you to leave both the Asset and the Liability sides of the ledger.