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What We Do

Helping you achieve the financial freedom to pursue your passions.

"Tomorrow belongs to the people who prepare for it today".

African proverb
Strategy & Tax Planning
For us, strategy is about aligning your finances with the things you want out of life. We take a holistic approach to problem solving and will develop a clear strategic plan to help you reach your financial and personal goals. We can help you to structure your finances better to pay less tax; boost your savings and set you on the path to investing; plan for your retirement and much more.
Superannuation & Investments
Whether you're saving for retirement or investing outside of super, we can recommend a wide range of investments aligned to your preferences (active or passive, ethcical etc) and that are appropriate for your timeframe and risk appetite. We are happy to incorporate your existing investments and super funds into the big picture strategy if they are appropriate for reaching your goals.
Defined Benefit Super
We have over a decade of experience providing strategic advice to members of the Defence Force and Commonwealth Public Service. If you are lucky enough to be a member of one of the Government's 'magic pudding' super schemes (CSS, PSS, DFRDB or MilitarySuper), we can help you to understand the mechanics of your scheme, what benefits are available to you, and the tax implications of each option.
Multi-generational Advice
We love working with families and have client groups that span two - and even three - generations. The financial concerns of each generation might be different, but taking a big picture view of protecting and growing your family's wealth is the best way to provide enduring prosperity and a lasting legacy for the future.
Aged care
As recognised FAAA Aged Care Specialists, we know that an imminent move into residential care is an emotionally fraught time. We approach all aged care engagements with compassion, empathy and candour. We work with you to navigate the complexities of the aged care system but also know that the best solution 'on paper' might not be the right one for the person needing permanent care.
Trusts & Structures
Whilst our advice is underpinned by the philosophy of keeping things as simple as possible to achieve your objectives, we recognise that there are often sound reasons to use entites like trusts and companies. We can work closely with your other professional advisers like accountants and solicitors to provide comprehensive advice that spans your entire financial position.
Personal Insurance
Protecting what you already have is an important component of any comprehensive welath creation strategy. We can identify the gaps in any risk strategy already in place (including the in-built cover in defined benefit super schemes) and recommend appropriate solutions to address any shortcomings.
Estate Planning & Inheritances
There is more to estate planning than having a valid will. We have close working relationships with several local law firms and collaborate with them to construct robust and comprehensive estate plans. We are also very experienced in the administration of deceased estates and the tax managment of inheritances.
philanthropy
If you are someone who wants to give back to a cause or community that is close to your heart, we can assist with a strategy of structured giving - either during your lifetime or as part of your legacy.

Guidance when life takes an unexpected turn

We know that life can be messy and things don't always turn out in the way that you expected: a relationship breakdown, the loss of your job, a shock medical diagnisis or an untimely bereavement are just some of the reasons for pausing to take stock of your financial situation. We are a trusted referral partner for a number of family law firms and estate planning solicitors, who view us as a safe pair of hands. We can help you to take control of your changing situation and navigate a new course.
Focusing on what we do best
Being entrusted with your financial wellbeing is a weighty responsibility. We're great financial planners, but we aren't stock pickers or 'wanna-be' fund managers. Our value lies in really understanding your worries and aspirations; developing strong, lasting relationships; and working with you over time to achieve the lifestyle you want. When it comes to investing, we focus on getting the structure and the strategy right, and then leverage off the expertise of full-time investment professionals for the underlying portfolio construction.

Need Expert Help To Get Your Finances Sorted?

Get in touch for an obligation-free chat to see if we are a good fit for you.
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02 6198 3385
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Level 1 / 18 National Circuit BARTON ACT 2600
Principled Financial Planning ABN 29 660 699 178
Principled Financial Planning Pty Ltd is a Corporate Authorised Representative ASIC 1298208 of Lifespan Financial Planning Pty Ltd AFSL 229892 ABN 23 065 921 735 Copyright © 2023 All rights reserved.