Cash flow and priorities
How do you balance debt and investing? We consider loan costs, cash reserves, risk and when you may need the money. There is no single order that suits every household.
FINANCIAL PLANNING WHILE YOU WORK · BRISBANE
Financial planning for high-income professionals in Brisbane
A strong income can bring more financial choices and competing priorities. Willow Wealth Partners helps high-income professionals in Brisbane consider cash flow, debt, super and investments together, with their family needs and longer-term goals in view.
Book a complimentary 30 minute meetingA first conversation about your plans. No commitment to receive advice.
Build your future
What could your super grow to?
Explore how your starting balance, new contributions and time could work together. Compare future dollars with their estimated buying power in today's dollars.
A simplified illustration only, not a prediction or personal financial advice. All amounts are Australian dollars. Default figures are examples, not recommended assumptions.
Balances after each year's return and year-end contribution. Both lines start at the current balance. The table gives the same figures.
View year-by-year figures
| Year | Opening balance | Net contribution | Net growth / loss | Closing balance | Closing in today's dollars |
|---|
Assumptions and important limitations
We apply the annual net return to the opening balance, then add the net contribution at the end of each year. A contribution earns its first return in the following year. The first contribution is the amount you enter. With CPI increases selected, contributions rise by the CPI assumption from year 2. With fixed contributions selected, the nominal dollar amount stays the same and its buying power may decline.
Future dollars are the projected balance at the time shown. Today's dollars divide that balance by the compounded CPI increase over the same number of years. The breakdown adds your starting balance, total new nominal contributions and net growth or loss to show the final nominal balance. It does not add together inflation-adjusted contributions.
The same return and CPI apply every year. Actual returns and inflation vary, investment losses may occur, and the order of returns can affect the outcome. A constant return is a simplifying assumption, not a forecast or guarantee. At a −100% return, the opening balance is lost each year before that year's new contribution is added.
Enter contributions after any contribution tax and entry fees, and returns after ongoing fees and investment taxes. These costs and taxes are not calculated separately. This model does not calculate employer Super Guarantee, contribution caps or eligibility, contribution tax, personal income tax, withdrawals, insurance premiums, super access rules or Age Pension. Input limits are calculator limits, not legal contribution limits.
This calculator does not assess the suitability of a strategy or product, or whether the amount will meet your retirement needs. Seek advice about your circumstances before making financial decisions.
PLANNING WHILE YOU’RE STILL WORKING
Make today’s decisions part of a longer plan.
Financial advice can be useful when a pay rise, growing family, mortgage or approaching retirement creates competing priorities. We help you weigh the trade-offs between accessible savings, debt, super and investments, in the context of your goals and timeframes.
Super and retirement timing
Could super play a larger role in your plan? We consider contribution options, access rules and retirement timing alongside money you may need before retirement.
Investments and ownership
What are you investing towards? We discuss your timeframe, comfort with risk and existing assets before considering investment options and how they are held.
A DIFFERENT STAGE OF THE JOURNEY?
Already approaching or in retirement?
Explore our retirement planning page for information focused on preparing for and living in retirement.
WHAT HAPPENS AFTER YOU BOOK
Know what happens before you decide.
Your complimentary first meeting helps us understand what you are looking for and whether advice may be useful. You will see the proposed services and fees before deciding whether to proceed.
01 · Book and prepare
After you book, we send a questionnaire about your goals, income, assets, expenses and liabilities. Recent super, investment and loan statements, plus the questions on your mind, can help us understand your starting point.
02 · Meet and review a proposal
We discuss what you are looking for, review your answers and consider whether advice is needed. Afterwards, we scope the work and send a proposal outlining intended services and fees.
03 · Explore advice and next steps
If you proceed, a goals and education session explores detailed strategies. At a further meeting, we present formal advice and discuss implementation.
START WITH A CONVERSATION
Start with the decisions on your mind.
Talk through what you’re looking for and whether financial advice may be useful as you plan towards retirement.
Book a complimentary 30 minute meeting
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
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