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We're here to change your relationship with money through relatable & easy to understand financial advice you can implement today.

Start today.

Thank yourself tomorrow.

Have a few questions before booking a meeting?

Book an introductory call to learn more

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OUR APPROACH

At WCG, we believe that collaboration is key to success, and our members benefit from access to a wide-reaching network of professionals, providing an extensive shared pool of tools, information, support and experience.

This collaborative approach brings with it a host of unique advantages and opportunities to our members. With shared knowledge comes a wide range of benefits such as exposure to effective solutions, building long-term trusting relationships with key specialists and most importantly, unbiased guidance.

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We believe financial advice should be a two way, collaborative process.

OUR ADVICE

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.

Here’s a step by step guide to what we do.

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Like so many of our clients we love technology,
so we offer all our meetings virtually on Zoom if that's your preference.

Ready to start planning?

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WHAT WE DO

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WHAT WE HELP WITH

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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. 

Want to better understand what we can help you with?

Book an introductory call to learn more

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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!

Is it time for a

financial plan?

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 start planning?

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Why Choose WCG?

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

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

3. Virtual meetings for busy lifestyles

4. Easy to understand and relatable advice, uncomplicated!

5. We're there for the whole journey with our Ongoing Advice Support

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LET'S TAKE YOUR GOALS FOR A TEST DRIVE

Book a no-obligation introductory meeting today

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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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