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Building a future takes planning

Start today.

Thank yourself tomorrow.

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Our focus is working with singles, couples, singles or couples with kids,

those just starting out and those more well established.

Generation Y is the first generation in recorded history which is projected to be worse off than those which came before.

But who are the millennials?

Change your relationship with money through relatable &

easy to understand financial advice.

Managing finances is complicated. We make it simple.

Ready to get financially sorted?

Successful advice outcomes require a team approach.
We work closely with other key professionals, including accountants,
mortgage brokers, and solicitors for a collaborative, holistic approach
designed to improve certainty in your financial life.

"Financial advice should be a two way, collaborative process."

We want to get to know you and find out what your unique goals are for the future. Don’t expect to just talk money stuff. Our holistic approach means we are interested in your goals for life, not just your bank balance.

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Like so many of our clients we love technology, so we offer all
our meetings virtually on Zoom.

Have a few questions before booking a Discovery Session?

Book an introductory call to learn more

 

financial plan?

Is it time for a

Do you have savings but aren’t sure how it should be invested?

Have you just received an inheritance or lump sum of money?

Do you need personal insurance like income protection but aren’t sure where to start?

Do you earn a good salary and you want to make the most of it?

Are you living paycheck to paycheck, and never seem to make any progress toward your goals?

Do you need to consolidate your super accounts?

Do you just want to learn more about investing, super and money matters in general?

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WHO WE WORK WITH

We aim to empower millennials to make smart money decisions.

So, who are the Millennials?

In simple terms, Millennials, or Generation Y, the all-embracing label for those currently aged between 25 and 40.

Born from the early 80s through to the turn of the Millennium, this is a cohort which largely came of age at the outset of a global financial crisis, but also amid a vast acceleration in digital technology.

Millennials have a different view of the world

than those which came before them.

As the baby boomers enter retirement and Generation X settles into middle age, millennials are the new force in Australia’s economy. They now represent almost half our workforce (44% of all workers) and one out of every three dollars spent.

 

Despite their importance to our economy, the financial behaviours of millennials are poorly understood.

The ‘avocado on toast’ meme paints millennials as a spendthrift generation, more likely to fritter their last dollar away on brunch than to save for a house or build a nest egg.

The mistrust is mutual with many millennials expressing distrust of established institutions such as banks (35% distrust), with trust declining over the last year. And while millennials manage money differently to their parents, that doesn’t mean they are less financially responsible.

Faced with the rising cost of housing, education costs that have doubled in a generation, and record levels of underemployment, millennials are in fact responding sensibly to greater financial pressures in the way they spend, use credit, and save.

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Here are 5 myth-busting facts which demonstrate that millennials manage their finances closely using new technologies and, in many ways, are more financially prudent than their parents:

1. Kicking the credit addiction: Millennials are turning away from credit cards. The proportion of young people with a credit card has fallen from 58% to 41% in the last 14 years. Millennials are 37% less likely to own a credit card than older Australians because they see credit cards as being costly and risky. Millennials have about half the credit card debt of older Australians as a proportion of their income. Millennials are increasingly using BNPL as a cheaper alternative to credit cards. Almost 70% say Afterpay helps them use credit cards less, so they avoid interest costs and debt traps.

2. Savvy spending: Millennials have different spending priorities to their parents. Millennials are delaying their house purchases and spending their money on education, health, and lifestyle. They spend much less on cigarettes and alcohol, and more on public transport and private health insurance.

3. Generation save: Millennials are better savers than their parents. 36% of millennials say they save regularly compared to just 28% of older Australians. 80% of millennials have a budget compared to just 67% of older Australians. When millennials need money, only a quarter will turn to banks, with most preferring to use savings.

4. Tech tools: Millennials are using technology to help them manage their finances closely. 30% of millennials use online tools to track their spending and 7% use budgeting apps. 72% of millennials use technology to compare prices before they shop compared to just 28% of older Australians.

5. Budgeting with Buy Now, Pay Later: Millennials are turning to Afterpay because it meets their needs better than banks and credit cards. 57% use Afterpay because it helps them budget. A vast majority (93%) of Afterpay transactions incur no late fees as a result of Afterpay’s highly valued in-built protections.

So despite the ‘smashed avocado’ stereotype, millennials are responding prudently. You better believe it!

financial plan?

Is it time for a

Do you have savings but aren’t sure how it should be invested?

Have you just received an inheritance or lump sum of money?

Do you need personal insurance like income protection but aren’t sure where to start?

Do you earn a good salary and you want to make the most of it?

Are you living paycheck to paycheck, and never seem to make any progress toward your goals?

Do you need to consolidate your super accounts?

Do you just want to learn more about investing, super and money matters in general?

Ready to get financially sorted?

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Why Choose WCG?

1. We understand your challenges because we're Milliennials too

2. Easy to understand and relatable advice, uncomplicated!

3. Virtual meetings for busy lifestyles

4. We love a nice suit, but we prefer to keep things casual

5. We're there for the whole journey with the option of ongoing advice

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WHAT WE DO

Whether through cash flow and budgeting, purchasing a home or investment, starting or growing your investment portfolio, protecting your lifestyle and future with insurances, or setting up for your future retirement. 

We've got you covered with the following range of services designed to suit you and your goals.

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Money Matters
Cashflow management, debt reduction strategies and budgeting tools.

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Your Backup Plan 
A strategy for the unforeseen events like injury, disability, serious illness or death. 

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Tax
Minimise your tax implications by effectively structuring salary, super contributions, investments and insurance. 

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Investing 
Property, direct shares, managed funds, ETF's, managed portfolios and more.  

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Your Super 
Tailored super solutions, compare fund performance, salary sacrifice strategies and more.  

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Estate Planning 
Giving you confidence that your wishes for the future are secure. Things like Wills & Power of Attorneys. 

The first step is a Discovery Session

Ready to get financially sorted?

 

Take control of your finances with a personal wealth app

Stay in the know with our Monthly Insights

(We promise to only send the cool stuff)

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"Extremely thorough and professional."

James was very helpful in assisting us organise our money matters including our spending plans, super and insurances.

 He educated us along the way and explained everything in terms that we could understand.

I would happily send my family and friends to James.

- Julianne

"He always makes things easy to understand and his knowledge and expertise is clear to see. He was able to give us advice on our cashflow and long-term savings plans, as well as my superannuation which was in need of review. 

Thank you for your knowledge and expertise James."

- Damian

"Great experience."

"James has given me advice in areas including investment, superannuation and personal insurance. He is always able to explain things to me in a clear way. Through James's knowledge and experience, I now feel really confident that the advice given was right for my needs and I'm on the right track. I highly recommend James for all financial planning needs."

- Maryanne

"James's advice and expertise were invaluable to my partner and I when it came to setting up our superannuation and insurances. James is approachable, engaging and friendly. He really listened to what we needed and went out of his way to help find the best solutions for us."

- Nadia

"James is very professional and comprehensive in the services he provides. The initial Discovery Session was the perfect start for us. We then did a full financial plan which we review with James annually. He is always very approachable and happy to explain every situation and the different steps taken to achieve your goals.

We have happily recommended his services to friends."

- Jeremy

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Get In Touch
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Thanks, we look forward to getting in touch soon to arrange a chat!

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02 8076 8900

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