Is your Money being used to improve your life?

Instead of building a big pile of money, a more effective approach that you should consider in your financial plan is using your money to live your best life possible – a concept known as Return on Life™ (ROL).


With the ROL approach, money becomes a tool to help you live the life you want now and into the future. Accumulating as much wealth as possible should no longer be the primary objective of your financial plan.


The traditional path to saving and investing has been to focus on the future (retirement), and rely solely on numbers and return on investment (ROI). However, this approach can often be misleading because it doesn’t consider your individual circumstances.


“Beating the share market” is often an artificial objective because it is not likely to have a substantive impact on your unique situation. Consider this: does beating the market by 1% really impact the way you live your life?


Money does not exist for its own sake. Money exists as a tool that we use to improve our lives. How your investment returns compare to any index, fund, investment category, or another person are less consequential than whether you are meeting your own ROL goals. Measure your success against your objectives, not someone else’s.


In traditional financial planning, the primary components include investment advice, risk, debt management, tax, estate, and cash flow planning. Whilst all of these areas are essential and necessary for a strong financial plan, there is more to developing a strong financial plan than just numbers.


Truth is, we all have different values and principles regarding money. Each of us has a history, present circumstances, and future hopes that are unique. By focusing only on numbers, we miss enjoying life now and potentially in the future because we only concentrate on accumulating wealth. A financial plan designed with ROL as its foundation is designed to build freedom, relieve the pressure of ROI-focused planning, and ensure your plan meets your goals.


We encourage you to use the below link and take the free ROL Index Assessment. You can see your results immediately.


There is no greater freedom, and no greater wealth, than living the best life you can with the money you have and accumulate over time. Let us show you how to establish a financial plan that focuses on achieving a greater Return on your Life so you can live your best life.

For an obligation free discussion, call us on 03 9190 8964, or schedule a meeting at

Phasing into Retirement?

Not ready for a move into full retirement? You’re not alone.


Many people look forward to retirement however for one reason or another aren’t ready to jump in with both feet.  Maybe they aren’t ready for the sudden lifestyle changes. Maybe it’s lack of savings that’s holding them back. Or it could be that their work provides them with fulfilment and a sense of relevance that they are not willing to let that go just yet.

No matter what the reason, many people are choosing to phase into retirement instead of entering a complete, traditional one.

Using this option provides a number of benefits:

  1. You can keep working and continue to contribute to your savings.
  2. At the same time you can also begin enjoying some of the benefits.
  3. Cutting back hours and decreasing your work responsibilities at a slow pace can open time for personal activities, travelling, and family.

However, phasing is not something you should do on the spur of the moment or with little forethought. Planning is of the utmost importance as you negotiate this transition. You will need to determine your ultimate retirement date, optimize your savings and create a phasing-out schedule with your employer.

You should answer these questions before making the leap into semi-retirement:

  1. List the reasons you have chosen to phase into retirement.
  2. As you phase into retirement, how long do you expect to keep working?
  3. How will your job description change?
  4. What affects on your income do you anticipate as a result of this transition?
  5. Does your employer provide an official phased retirement program?
  6. How will you invest the time made available via a reduced work schedule and responsibilities?

Make this life transition the beginning of a new and rewarding stage of your life.

The team at Endorphin Wealth Management is happy to assist with helping you phase into a comfortable retirement and assist you from a financial planning perspective.

For an obligation free discussion, call us on 03 9190 8964, or schedule a meeting at