You put in the effort and know how to enjoy life. You’re trying to save for that big dream goal but need a little help getting there. You've got a vision, bills to pay, and a desire to live in the moment. You’re at a good starting point – now you want to get ahead and start setting yourself up for an epic future.
It is totally possible to live your life now, whilst planning and investing into your future. But first, you need a personalised financial strategy that's practical and tailored just for you...
Ready to get financially sorted?
Gen 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 help make it simple.
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.
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 meeting?
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?
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Have you just received an inheritance or lump sum of money?
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Do you need personal insurance like income protection but aren’t sure where to start?
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Do you earn a good salary and you want to make the most of it?
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Are you living paycheck to paycheck, and never seem to make any progress toward your goals?
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Do you need to consolidate your super accounts?
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Do you just want to learn more about investing, super and money matters in general?
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.
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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.
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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.
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?
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
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.
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We've got you covered with the following range of services designed to suit you and your goals.
Money Matters
Cashflow management, debt reduction strategies and budgeting tools.
Your Backup Plan
A strategy for the unforeseen events like injury, disability, serious illness or death.
Tax
Minimise your tax implications by effectively structuring salary, super contributions, investments and insurance.
Investing
Property, direct shares, managed funds, ETF's, managed portfolios and more.
Your Super
Tailored super solutions, compare fund performance, salary sacrifice strategies and more.
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?
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What they're saying...
Damian Gledswood Hills NSW
"James 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."
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Julianne Baulkham Hills NSW
"James was thorough and professional in advising and assisting us to organise our finances. This included a spending plan, setting up an investment and super portfolio and our 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."
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Nadia Leppington NSW
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"James's advice and expertise were invaluable to my partner and I when it came to setting up our self-managed super fund and insurances. James took something complex, and made it super simple. He really listened to what we needed and went out of his way to help find the best solutions for us."
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