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Tailored to your individual needs

The Wealth Spirit Way

We offer professional financial advice services with a personable approach. If you engage with us, you will find that your adviser truly does care. In some ways, your adviser assumes the role of your financial coach. The adviser will regularly check up with you to ensure that the plan remains on track to achieve your set goals.

Cash Flow Management

Having an idea of where your money goes is always an interesting point of discussion.

We often ask the question, “on average how much money do you save a month?” The responses are often varied and indicate whether help is needed and if so, how urgent!

Some people have a clear understanding of how much they earn, where they choose to spend it and how much they wish to save. Whilst others need a fair bit of help in this area.

We have developed simple processes to put in place to turn your cash flow deficit into surplus. It requires some discipline but, in most cases, it can certainly be achieved.

Should you wish to have a discussion about cash flow management or how it can be better improved, we welcome you to get in touch with us today.

Insurance

Insurance or personal risk protection is truly important in our eyes. We know from first hand experience how important it is to have the appropriate amounts and types of covers in place.

As they say, your biggest asset is your ability to earn an income. However, should the unexpected happen and for a period of time you aren’t able to generate income then your world may change right before your eyes. We offer tailored advice on what covers are suitable, the right types of cover and also structure the policy in a tax effective manner.

Clients whom we have helped claimed for their insurance are grateful that we can sort out the financial aspect whilst they deal with the emotional aspect an unexpected injury or tragedy.

Should you wish to review your existing cover or discuss about your insurance needs, we welcome you to get in touch with us today.

Superannuation

The fact is that most Australians do not pay much attention to their superannuation fund(s). Some would receive their annual statements and may look at it, others may immediately discard it. 

When it comes to wealth, we encourage our clients to review their superannuation fund(s) as part of their overall landscape. Yes, there are rules in place to access monies from superannuation but when we implement suitable strategies, we are able to improve the financial position.

As part of our discussions we will review your superannuation fund(s) so you get the facts and can be comfortable knowing that you are using a superannuation fund that’s suitable and appropriate for your situation.

Should you wish to have a discussion about your existing superannuation fund or looking to see what’s available in the market, we welcome you to get in touch with us today.

Investments

The investment landscape is constantly changing. There are so many different investments types and options to choose from. Some favour the conservative whilst other options cater for the growth seekers. Knowing how and what to invest is important when you are seeking to grow your wealth.

Whatever your preference is we will construct a suitable investment portfolio that suits your risk appetite, investment time-frame and asset classes.

Should you wish to have a discussion about your current investment strategies or looking for investment diversification ideas, we welcome you to get in touch with us today.

Retirement Planning

So, you have come to the point in your life where you’re now thinking retirement? You deserve to be congratulated for the all years you have worked hard. 

There will no doubt be so many questions you would like answered and you are probably feeling a bit nervous about this stage in your life. Well the good news is that we can definitely help!

We have a number of clients who commenced their retirement knowing that their finances are well managed and looked after. If you wish you take that “trip of a lifetime”, we certainly encourage it. It is important that you retire to a lifestyle that you want because you deserve it. 

As the name suggests, retirement does require some planning. It is best not to leave it to last minute as there are numerous aspects to consider to ensure the future is bright.

Should you wish to start the discussion about retirement and better prepare for retirement, we welcome you to get in touch with us today.

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CONTACT

Johnny Ly
Director and Financial Adviser

 PO Box 5007
North Rocks  NSW  2151


Brett Kelly
Senior Financial Adviser

Office Address (below)

  Suite 23/5-7 Inglewood Pl
Baulkham Hills  NSW  2153

© Copyright 2019-2021 JC Ly Pty Limited ACN 626 153 688

Johnny Ly, Brett Kelly and JC Ly Pty Ltd t/as Wealth Spirit are Authorised Representatives of Synchron AFS Licence No 243313.
The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate for your needs, and where appropriate, seek professional advice from a financial adviser.

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