At Fiducian, we love hearing stories. Some of our clients are in the early stages of their life story – perhaps recently married, or with young children – whereas others are nearing the end of full-time work and planning the next exciting phase of their lives. At Fiducian, we believe the key to our success is being able to provide our clients with tailored solutions to meet their financial goals and lifestyle aspirations. We’ve been doing this for over 20 years.

A personalised
approach

We take a personalised approach with our clients by building trust through quality financial advice. Your financial planner will take the time to fully understand your financial and lifestyle goals, before we even begin the process of financial planning. We view financial planning as an ongoing partnership with you, identifying the best wealth solutions and strategies to successfully meet your current and future needs.

When the time comes to make decisions about where to invest, you can be assured that each recommended fund has been thoroughly researched by our industry recognised Investment Management Team, and will only be selected if it passes our rigorous investment and monitoring process. Your financial planner will continue to work with you, personally monitoring your investments. Supported by our own team of researchers, they will review and revise your plan to ensure it meets your financial and lifestyle objectives.

Laying the
Foundations

HOW WE CAN HELP

Building
Wealth

HOW WE CAN HELP

Life
Changes

HOW WE CAN HELP

Whether you are saving for your first home, want to reduce debt or provide for the lifestyle you want in retirement, a financial planner can help you build, protect and manage your wealth.

  • Cash flow management

    A financial planner can cast a fresh pair of eyes on your household income and expenses and suggest solutions to get your day-to-day finances under control and keep them there.

    LEARN MORE
  • Superannuation

    It’s not so hard to sort out your super – once you know how. Saving small amounts over the long term can make a big difference. Which investment option should you choose? Should you be putting more money into your super? Are you paying too much in fees? With some expert help, your super can be working harder towards your retirement nest egg.

    LEARN MORE
  • Investments

    There’s far more to investing than just chasing the highest returns. If you’re ready to get serious about growing your wealth, deciding where to invest your money is only one of many factors to consider when building your portfolio, along with issues like tax implications, risk versus return and the merits of borrowing to invest.

    LEARN MORE
  • Risk management

    Managing risk is an integral part of a good financial plan. A financial planner can help you understand any risks, their potential consequences, and what options you have to address them.

    LEARN MORE
  • Family trusts

    For some people, setting up a family trust can be a sound strategy – but should you consider it? Getting professional help in understanding the pros and cons of family trusts and how they work is a good place to start.

    LEARN MORE
  • Debt reduction

    If you’re stuck in a cycle of debt, or if your credit card is always near its limit, or you just need to clear the decks and get your household finances under control, a financial planner can help.

    LEARN MORE
  • Saving for a home

    Today’s low interest rate environment may be good news for people already with a home loan, but what are the options for getting a decent return on your hard-earned savings when you’re trying to accumulate a house deposit?

  • Financial direction and goal setting

    The financial world can be a confusing one, particularly if you’re just starting out. Getting help with prioritising your life’s goals, estimating what they might cost and then creating a tailored financial plan to achieve them is a great way to start.

  • Investment strategies

    Shares, managed funds, property… with multiple asset classes and a myriad of investment products to choose from, it pays to enlist the help of a professional expert to guide you through your options and start getting your money working for you.

  • Buying a home

    Moving into your new home is one of life’s most satisfying moments, but also a big commitment. How much should you borrow – and from where? What if you couldn’t work due to illness or injury and couldn’t make the repayments? Consulting a financial planner early in the process can help avoid potential pitfalls.

  • Planning for children’s education

    Toddler one minute, high school student the next – or so it can seem to busy parents. Starting an early savings plan for school fees is a good strategy – but a financial planner can lay out all your options, including tax-effective savings products specifically designed for future education expenses.

Whatever your goals and dreams, a financial planner can help get you there with smart strategies for building short, medium and long-term wealth – and making sure you protect it. Whether you’re already a sophisticated investor or dipping your toe in the water for the first time, an expert financial planner can take your wealth-building strategy to the next level.

  • Superannuation

    It’s not so hard to sort out your super – once you know how. Which investment option should you choose? Should you be putting more money into your super? Are you paying too much in fees? With some expert help, your super can be working harder towards your retirement nest egg.

    LEARN MORE
  • Investments

    There’s far more to investing than just chasing the highest returns. If you’re ready to get serious about growing your wealth, deciding where to invest your money is only one of many factors to consider when building your portfolio, along with issues like tax implications, risk versus return and the merits of borrowing to invest.

    LEARN MORE
  • Planning retirement

    How do you financially prepare for what can be the most exciting time of your life? Knowing when you can retire and what income you’ll need to support your planned lifestyle is just the start. Getting financial advice is crucial to enjoy the retirement you’ve worked so hard for.

    LEARN MORE
  • Accelerating wealth

    Setting clear goals, reassessing your attitude to risk and choosing the right investments is best undertaken with professional help – particularly if you’re considering wealth acceleration strategies such as gearing, alternative investments or specialist investment funds.

    LEARN MORE
  • Financial planning for business

    Few successful businesses got that way without professional help. A financial planner can partner with you to steer a course through the myriad of issues facing your business, such as succession planning, superannuation obligations, tax-efficient ownership structures, and managing business risk.

    LEARN MORE
  • Estate management

    Building wealth also involves protecting your wealth and ensuring it goes to the right people if you’re not around anymore. A complex area where financial and legal considerations coincide, putting an estate plan in place is one of the best things you can ever do for your loved ones.

    LEARN MORE
  • Risk management

    Managing risk is an integral part of a good financial plan. A financial planner can help you understand any risks, their potential consequences, and what options you have to address them.

    LEARN MORE
  • Optimising your super

    Super is a very tax-efficient way to save for your retirement – and there are ways to get smart with it. Getting expert advice is critical in navigating issues like limits on how much you can contribute, using super to fund life insurance premiums, or switching investment options as your risk profile changes over time.

  • Self-managed super funds (SMSF)

    Managing your own super fund can sound like a tempting idea and can suit many people – but isn’t something to be undertaken lightly, given the various tax, legal, reporting and other obligations involved.

The changes in our lives are marked by a series of significant events. Some we can anticipate or eagerly plan for, and some hit us unexpectedly – even tragically. It’s at times like these when the wise counsel of an experienced financial planner really makes a difference. A good planner understands the emotional turmoil that some of life’s changes can bring and how they can have major financial implications – even though money is often the last thing on a client’s mind at such times.

  • Redundancy

    Whether redundancy is devastatingly sudden or a secretly longed for windfall, readjusting to financial life in the aftermath or wisely investing any payout is easier and less stressful with the right advice.

    LEARN MORE
  • Retirement advice

    Whatever exciting plans you have for when you give up full-time work you’ll need the money to support your new lifestyle. There are many financial issues to consider and big decisions to make, such as how best to convert your super to an income stream or maximise your age pension and Centrelink entitlements.

    LEARN MORE
  • Relationship breakdown

    Amid the emotional trauma of separation or divorce, it’s understandably easy to overlook some of the financial implications, or make quick decisions that seem inconsequential at the time but can later have huge significance.

    LEARN MORE
  • Career change

    Few people who embark on a new career do so without it affecting their financial situation, yet in the excitement of planning a new start, it can be easy to overlook some important considerations.

    LEARN MORE
  • Loss of a partner

    Coping with bereavement – whether a loved one or a business partner – is difficult enough without financial worries piling on top of the grief, shock and sadness. During such a challenging time, it makes sense to let a financial planner ease that burden at least.

    LEARN MORE
  • Aged Care

    Whether thinking about aged care services for yourself or partner, or for an older family member, there are many considerations in how best to finance aged care provision. Many financial planners are experts in this specialist area and experienced in helping clients navigate the complex and ever-changing aged care environment.

    LEARN MORE
  • Changing family circumstances

    Family dynamics change throughout our lives. People who remarry might become responsible for stepchildren, and some people later in life might have their own children moving back home, or have to accommodate and care for an elderly parent. All such events have financial implications that are easier to deal with after getting professional advice.

  • Inheritance or cash windfall

    Whether anticipated or coming as a complete surprise, being the recipient of a cash windfall can bring euphoria – but also a weight of responsibility around how best to spend, share or invest it. With possible tax implications – among other considerations – it’s prudent to get professional advice.

  • Illness and injury

    Serious illness or injury can have major financial consequences, both on the affected person and their families. A financial adviser can help make adjustments to household budgets and cash flow – and for those with life insurance protection, an adviser will play a lead role in managing the claims process on behalf of their client, leaving them free to focus on recovery.

  • Marriage and children

    From how best to save for the wedding of the year, to the need for child cover within a life insurance policy, to how to save for school fees – a planner can help newlyweds or parents lay the financial foundations for a long and happy family life.

  • Job change

    Promotions and pay rises when you’re moving up the career ladder are a welcome boost to your financial fortunes – but how can you make the most of these opportunities to really accelerate your wealth?

Laying the
Foundations

HOW WE CAN HELP

Whether you are saving for your first home, want to reduce debt or provide for the lifestyle you want in retirement, a financial planner can help you build, protect and manage your wealth.

  • Cash flow management

    A financial planner can cast a fresh pair of eyes on your household income and expenses and suggest solutions to get your day-to-day finances under control and keep them there.

    LEARN MORE
  • Superannuation

    It’s not so hard to sort out your super – once you know how. Saving small amounts over the long term can make a big difference. Which investment option should you choose? Should you be putting more money into your super? Are you paying too much in fees? With some expert help, your super can be working harder towards your retirement nest egg.

    LEARN MORE
  • Investments

    There’s far more to investing than just chasing the highest returns. If you’re ready to get serious about growing your wealth, deciding where to invest your money is only one of many factors to consider when building your portfolio, along with issues like tax implications, risk versus return and the merits of borrowing to invest.

    LEARN MORE
  • Risk management

    Managing risk is an integral part of a good financial plan. A financial planner can help you understand any risks, their potential consequences, and what options you have to address them.

    LEARN MORE
  • Family trusts

    For some people, setting up a family trust can be a sound strategy – but should you consider it? Getting professional help in understanding the pros and cons of family trusts and how they work is a good place to start.

    LEARN MORE
  • Debt reduction

    If you’re stuck in a cycle of debt, or if your credit card is always near its limit, or you just need to clear the decks and get your household finances under control, a financial planner can help.

    LEARN MORE
  • Saving for a home

    Today’s low interest rate environment may be good news for people already with a home loan, but what are the options for getting a decent return on your hard-earned savings when you’re trying to accumulate a house deposit?

  • Financial direction and goal setting

    The financial world can be a confusing one, particularly if you’re just starting out. Getting help with prioritising your life’s goals, estimating what they might cost and then creating a tailored financial plan to achieve them is a great way to start.

  • Investment strategies

    Shares, managed funds, property… with multiple asset classes and a myriad of investment products to choose from, it pays to enlist the help of a professional expert to guide you through your options and start getting your money working for you.

  • Buying a home

    Moving into your new home is one of life’s most satisfying moments, but also a big commitment. How much should you borrow – and from where? What if you couldn’t work due to illness or injury and couldn’t make the repayments? Consulting a financial planner early in the process can help avoid potential pitfalls.

  • Planning for children’s education

    Toddler one minute, high school student the next – or so it can seem to busy parents. Starting an early savings plan for school fees is a good strategy – but a financial planner can lay out all your options, including tax-effective savings products specifically designed for future education expenses.

Building
Wealth

HOW WE CAN HELP

Whatever your goals and dreams, a financial planner can help get you there with smart strategies for building short, medium and long-term wealth – and making sure you protect it. Whether you’re already a sophisticated investor or dipping your toe in the water for the first time, an expert financial planner can take your wealth-building strategy to the next level.

  • Superannuation

    It’s not so hard to sort out your super – once you know how. Which investment option should you choose? Should you be putting more money into your super? Are you paying too much in fees? With some expert help, your super can be working harder towards your retirement nest egg.

    LEARN MORE
  • Investments

    There’s far more to investing than just chasing the highest returns. If you’re ready to get serious about growing your wealth, deciding where to invest your money is only one of many factors to consider when building your portfolio, along with issues like tax implications, risk versus return and the merits of borrowing to invest.

    LEARN MORE
  • Planning retirement

    How do you financially prepare for what can be the most exciting time of your life? Knowing when you can retire and what income you’ll need to support your planned lifestyle is just the start. Getting financial advice is crucial to enjoy the retirement you’ve worked so hard for.

    LEARN MORE
  • Accelerating wealth

    Setting clear goals, reassessing your attitude to risk and choosing the right investments is best undertaken with professional help – particularly if you’re considering wealth acceleration strategies such as gearing, alternative investments or specialist investment funds.

    LEARN MORE
  • Financial planning for business

    Few successful businesses got that way without professional help. A financial planner can partner with you to steer a course through the myriad of issues facing your business, such as succession planning, superannuation obligations, tax-efficient ownership structures, and managing business risk.

    LEARN MORE
  • Estate management

    Building wealth also involves protecting your wealth and ensuring it goes to the right people if you’re not around anymore. A complex area where financial and legal considerations coincide, putting an estate plan in place is one of the best things you can ever do for your loved ones.

    LEARN MORE
  • Risk management

    Managing risk is an integral part of a good financial plan. A financial planner can help you understand any risks, their potential consequences, and what options you have to address them.

    LEARN MORE
  • Optimising your super

    Super is a very tax-efficient way to save for your retirement – and there are ways to get smart with it. Getting expert advice is critical in navigating issues like limits on how much you can contribute, using super to fund life insurance premiums, or switching investment options as your risk profile changes over time.

  • Self-managed super funds (SMSF)

    Managing your own super fund can sound like a tempting idea and can suit many people – but isn’t something to be undertaken lightly, given the various tax, legal, reporting and other obligations involved.

Life
Changes

HOW WE CAN HELP

The changes in our lives are marked by a series of significant events. Some we can anticipate or eagerly plan for, and some hit us unexpectedly – even tragically. It’s at times like these when the wise counsel of an experienced financial planner really makes a difference. A good planner understands the emotional turmoil that some of life’s changes can bring and how they can have major financial implications – even though money is often the last thing on a client’s mind at such times.

  • Redundancy

    Whether redundancy is devastatingly sudden or a secretly longed for windfall, readjusting to financial life in the aftermath or wisely investing any payout is easier and less stressful with the right advice.

    LEARN MORE
  • Retirement advice

    Whatever exciting plans you have for when you give up full-time work you’ll need the money to support your new lifestyle. There are many financial issues to consider and big decisions to make, such as how best to convert your super to an income stream or maximise your age pension and Centrelink entitlements.

    LEARN MORE
  • Relationship breakdown

    Amid the emotional trauma of separation or divorce, it’s understandably easy to overlook some of the financial implications, or make quick decisions that seem inconsequential at the time but can later have huge significance.

    LEARN MORE
  • Career change

    Few people who embark on a new career do so without it affecting their financial situation, yet in the excitement of planning a new start, it can be easy to overlook some important considerations.

    LEARN MORE
  • Loss of a partner

    Coping with bereavement – whether a loved one or a business partner – is difficult enough without financial worries piling on top of the grief, shock and sadness. During such a challenging time, it makes sense to let a financial planner ease that burden at least.

    LEARN MORE
  • Aged Care

    Whether thinking about aged care services for yourself or partner, or for an older family member, there are many considerations in how best to finance aged care provision. Many financial planners are experts in this specialist area and experienced in helping clients navigate the complex and ever-changing aged care environment.

    LEARN MORE
  • Changing family circumstances

    Family dynamics change throughout our lives. People who remarry might become responsible for stepchildren, and some people later in life might have their own children moving back home, or have to accommodate and care for an elderly parent. All such events have financial implications that are easier to deal with after getting professional advice.

  • Inheritance or cash windfall

    Whether anticipated or coming as a complete surprise, being the recipient of a cash windfall can bring euphoria – but also a weight of responsibility around how best to spend, share or invest it. With possible tax implications – among other considerations – it’s prudent to get professional advice.

  • Illness and injury

    Serious illness or injury can have major financial consequences, both on the affected person and their families. A financial adviser can help make adjustments to household budgets and cash flow – and for those with life insurance protection, an adviser will play a lead role in managing the claims process on behalf of their client, leaving them free to focus on recovery.

  • Marriage and children

    From how best to save for the wedding of the year, to the need for child cover within a life insurance policy, to how to save for school fees – a planner can help newlyweds or parents lay the financial foundations for a long and happy family life.

  • Job change

    Promotions and pay rises when you’re moving up the career ladder are a welcome boost to your financial fortunes – but how can you make the most of these opportunities to really accelerate your wealth?

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