Michael & Karen

Michael and Karen have been happily married for 21 years and they have two teenage children attending high school. Michael works as a Physiotherapist in his own clinic while Karen is the Principal at the local high school. They have been very career focused to this point and have accumulated a considerable amount of equity in their home.

The couple identified a few areas of their finances that they had questions about:

  • They have some spare cash flow each month that they are currently paying into their mortgage to reduce the balance. Could this money be better utilised in another strategy?
  • Their neighbours are using a strategy called ‘debt recycling’ to assist them to pay down their mortgage and build an investment portfolio at the same time. Michael in particular is interested to hear how this strategy might be applied to their own scenario.
  • The couple are currently invested in retail Superannuation Funds (BT and MLC), however are considering a SMSF to take control over the way their money is invested. They were curious about how the transition would work and what types of investments might best suit their needs.

Karen arranged an obligation free appointment with their Endorphin Wealth Advisor to discuss these questions.

Their advisor spoke with the couple at length to get a firm understanding of their circumstances and their financial position. They completed a brief risk profile questionnaire to give an indication of their attitude towards risk and how this might affect any future investments.

The advisor was able to educate the couple about the ‘debt recycling’ strategy and the benefits that the strategy could provide to their family. It was particularly appealing as a tax effective method of investing to the couple due to the high tax rates the both were paying.

Michael and Karen were also informed about the benefits and risks involved in commencing a SMSF and agreed that it could provide them with some considerable advantages as they start to think about how their retirement might play out. The advisor was able to suggest a variety of investment platforms and holdings that would be suitable to their needs to achieve a more ‘hands on’ approach without the hassle of setting up a SMSF.

The couple were pleased that they took the time to assess their current situation and consider options for their finances moving through to the next phase of their lives. By enlisting the services of a wealth advisor, they knew that they could continue to focus on what was important to them in the knowledge that an expert was overseeing their finances and they knew they were making the most of the solid base that they had worked so hard to build over the years.

For more information on Tax Effective Investment strategies, click the link here.

Andrew & Michelle

Andrew and Michelle are a couple with young children who have been living comfortably for a number of years now since the inheritance of a considerable amount of money from Andrew’s parents. Andrew continues to work and follow his own pursuits even though he doesn’t need the income to continue living the lifestyle that his family has become accustomed to.

The couple identified a few areas of their finances that they had questions about.

  • They own a beautiful large home in Melbourne’s inner east, a holiday house in Byron Bay and still have over $700,000 in funds to invest. How can this money be invested conservatively to protect their capital from another GFC, whilst still out-pacing inflation?
  • Andrew and Michelle had previously sought financial advice from a large bank and feel sceptical if the bank really did have their best interest at heart. What makes Endorphin Wealth Management different?
  • Andrew arranged an obligation free appointment with their Endorphin Wealth Management Wealth Advisor to discuss their questions. Their advisor spoke with the couple at length to get a firm understanding of their circumstances and their financial position.

The couple were comforted knowing that their advisor was already servicing clients that were in a fortunate position as themselves.

The advisor spends a large amount of time each week researching trends in the market and identifying potential investments for his clients. They subscribe to a suite of independent research providers to ensure that their findings are always current and able to be cross-checked.

The advisor was able to recommend a myriad of possible defensive investments that were appropriate for the couple including Hybrids, Bonds and Defensive companies with a strong cash flow.

Andrew was also impressed to see that the team at Endorphin Wealth Management were privately owned. By not working under the umbrella of one of the large financial licensees, the couple could be sure that the advice they were receiving would truly be in their best interest.

The couple were so pleased that they took the time to assess their current situation and consider options for their finances. By enlisting the services of a wealth advisor from Endorphin Wealth Management, they knew that they could continue to focus on what was important to them in the knowledge that an expert was overseeing their finances.

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Testimonials

Read what our clients have to say about Endorphin Wealth

Endorphin Wealth Management
5.0
Based on 50 reviews
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amair arif
amair arif
12:55 03 Feb 20
Excellent and expertise financial advise from Justin Hooper. Great help in managing my super funds and educated me well... of whole process. Great skills and management, very well presentation of process which makes me understand well. Thanks Justin for wonderful service, making whole process smooth. Highly Recommended. 👏👏👏👍🏻👍🏻read more
Brigid Butler
Brigid Butler
08:55 29 Jan 20
Robert has been a joy to work with. He puts you at ease and explains everything in an easy to understand way. He asked... pertinent questions about my personal situation so he could come up with a financial plan that would ensure that I can live the life I want going forward. He is friendly, caring, passionate about his work and always responds promptly to emails and phone calls. I consider myself very lucky to have met him.read more
Mitchell Brereton
Mitchell Brereton
22:26 14 Jan 20
I was recommended to Justin last year and he was been amazing. In the 9 months of working with him he has given me a... clear vision and goal of my financial situation for the next 20+ years. He always answers the phone & I feel much more at ease now that i have Justin's guidance. Could not recommend him any higher!read more
Gerard P
Gerard P
00:58 30 Nov 19
Robert is fantastic. He helped me to clarify my financial goals and to put in place a clear plan to achieve them. He is... a pleasure to work with and I highly recommend his services.read more
Caradi Miller
Caradi Miller
00:42 16 Nov 19
Robert was recommended to me via my accountant. From our very first phone call I knew that Robert was the person to... help me with setting up my financials for my future retirement. His easy going, friendly and knowledgeable personality makes talking and doing finances a breeze. I highly recommend Robert for all matters regarding personal and SMSF finances.read more
Andrew Di Luciano
Andrew Di Luciano
23:29 09 Sep 19
My Financials was a mess from Savings to Super, i was hesitant to approach anyone with my financials but i needed to do... something fast, I approached Robert after i saw some reviews online, i received a warm welcome from Robert and Staff at Endorphin Wealth Management, I explained my situation, Robert introduced me to a couple more people to get my credit in order as well as my taxes, Robert took care of the rest, he immediately went to work and got all my super in order and we even started a personal portfolio thinking about the long term, i am better off financially now that i have everything in order and visible. I highly Recommend Robert and this team for his knowledge, support and keen eye for detail. 🙂👍 - 5 Star Rating ✨✨✨✨✨read more
Sue Curry
Sue Curry
23:57 02 Sep 19
We recently decided it was time to get our finances in control and look to our future retirement. On a recommendation... from a work colleague, we contacted Robert from Endorphin Wealth to help. Robert was professional, knowledgeable and a delight to deal with. He took away our stress and streamlined our finances and investments, personalizing everything to suit our individual needs and circumstances. Both my partner and I would highly recommend Robert to anyone looking to secure their future finances and investments.read more
Timothy Mannix
Timothy Mannix
01:42 09 Aug 19
I am extremely happy with the attention and care Rob has provided us from Endorphin over the past 18 months. No query... is too insignificant or small for his attention and his advice and management has certainly helped me become more confident and feel more secure about my future planning. Thank you Rob!read more
Ann M
Ann M
08:17 16 Jul 19
I have been working with Glenn for around 6 years. His advice over that time has help me build my superannuation &... retirement assets to a point where I can afford to retire. Around 6 months ago I decided that I wanted to formally retire. Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. This included spending more time with my family, learning how to paint, mentoring my grandchildren, and keeping active by joining a swimming class. He also discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. This holistic approach is true retirement planning. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.read more
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Glenn Malkiewicz has been a great help in setting up my finances for post retirement. He explained everything clearly in words I could understand and answered my questions promptly and succinctly. I now feel very comfortable about my future going forward. His friendly manner makes him a pleasure to work with. I look forward to consulting with him in the future.

Rob has been amazing to deal with. He is so kind and considerate – especially recently when he developed a plan for my Mum who was struggling to live on a part pension. Rob has changed my Mum’s life..and mine! Thank you Rob! We are forever in debt to you!

Phillip and the team at Endorphin have looked after my financial affairs for a few years now and I could not be happier. They are pro active with communication, experts at investment advice and are friendly and great to deal with. They are my trusted financials professionals. I highly recommend them if you are looking for a financial planning team that will look after you for the future.

Rob and Phil and their wonderful team provide excellent service with the unique combination of award winning professional insights, personalised service and real and genuine care about our future

Glenn discussed importance of retiring to something and we spent time developing my vision for retirement. He discussed the important lifestyle benefits that my work provides and how I can replace these once I leave the workforce. Because of Glenn I’m confident that I not only have enough money to retire but will also live a fulfilling and energising retirement.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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