Growing Professionals

Ben and Claire have recently married and just had their first child. Ben works as an IT software developer supporting the family while Jade is on maternity leave at home. They have commenced making mortgage repayments on their first 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 would like to start putting aside to save for their children’s education.
  • They are concerned about what might happen if Ben was injured or unable to work for an extended period of time.
  • They are still using the same industry Super Fund from when they first started working at a restaurant and wanted to know if there were better options available for their Super

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

Their advisor was able to educate them into the benefits of investing their surplus money using a regular savings plan and was able to forecast several scenarios for them including different amounts and also using a tax effective gearing strategy.

The advisor was also able to calculate the appropriate level of personal insurance the couple should have to insure their family in the event that something going wrong. It turned out the default insurance cover they had as part of their industry Super Fund really wasn’t enough for their actual family circumstances.

Finally, the advisor was able to review their current Superannuation fund and investments held within the fund. It was apparent that the fund was underperforming over the last few years and Ben mentioned that he wished he had greater control over the specific investments. The advisor was able to run comparisons on the fees and previous returns of many funds that would enable the couple to gain more control over their Superannuation investments and align the investments to be more suited to their needs.

Ben and Claire are now well on their way to their savings goals for their children’s education and much more relaxed knowing that their family’s finances are protected. Their Superannuation has been rolled over to a fund that gives them more control over their investments and their advisor pays close attention to the investments they are holding.

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

Growing Professionals

Growing and Protecting Wealth

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Testimonials

Read what our clients have to say about Endorphin Wealth

Endorphin Wealth Management
5.0
Based on 61 reviews
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Rebecca Wadley
Rebecca Wadley
04:56 04 Jun 20
Justin and the team at Endorphin Wealth are professional, trusted advisors who provide good quality service with the... client at the heart of all they do. Their approach is quite unique and customer centric. I would have no hesitation in referring my clients, friends and family through to Justin and the Endorphin Wealth team.read more
Vanessa Doller
Vanessa Doller
07:13 02 Jun 20
I wholeheartedly endorse Rob Rich and his team at Endorphin Wealth. When it comes to financial advice you want the... best. Rob is so knowlegable, passionate about his clients future, and, really takes the time to get to know you as a person and understands your situation, to then be able to advise accordingly. Rob is someone you want on your team to help you create personal financial security for your future.read more
Natasha Barton
Natasha Barton
00:16 01 Jun 20
I have been dealing with Phillip and the team at Endorphin Wealth for approximately 18 months. They have helped me a... great deal with both defining my financial goals, and putting a plan in place to achieve them. The team have always been professional and responsive. I highly recommend Endorphin Wealth for anyone looking to secure their financial future.read more
Suzanne Diprose
Suzanne Diprose
21:52 26 May 20
Roberts understanding of financial management is extensive - so is his understanding of people and their needs. Highly... recommended.read more
Glenn Hill
Glenn Hill
02:19 23 Apr 20
I approached Endorphin Wealth with a really complex problem that I genuinely thought had no solution. The level of... attention, respect, and care David Patterson and Phillip Richards afforded me is completely invaluable. Their advice has made a significant and tangible difference; I can not recommend them highly enough.read more
Alana Blizzard
Alana Blizzard
22:31 22 Apr 20
Robert was Fantastic to deal with! Super friendly and very personable. We were not experienced and unsure of what we... needed/was best for us but Robert guided my partner and I through everything clearly and always answering any concerns we may have had. Very informative, easy to deal with and friendly.Thanks for all your help 🙂read more
Sharon Vidot
Sharon Vidot
22:19 09 Mar 20
Robert is a great listener and invested in what is important to you. If you want to work with someone who cares about... you and leads with integrity then he is the man to help you down your financial path.read more
Chris Chivers
Chris Chivers
09:03 19 Feb 20
Upon a recommendation through a friend, we contacted Rob to discuss our financial position and to seek his guidance for... our future aspirations. Rob has been fantastic! His knowledge of all things financial has been very impressive, but also, his genuine concern and interest in what we were looking for, has meant we can seek advice at any time.We couldn’t recommend Rob highly enough to anyone who’s looking for a trusted and professional financial wiz!read more
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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Sanjeev helped us achieve our short and long term financial goals by providing a clear advice, and sometimes even going out of his way to ensure best possible outcomes for us. He is easily approachable and takes a genuine interest in his clients. I have no hesitation in recommending Sanjeev to our friends, family and colleagues.

Mihir

Compared to other advisers I had met, the difference with Ray was he seemed to care, and our chat was extremely tailored toward my complex goals and structures I had in place. He runs my SMSF and has re-organised my legal structures and recommended me a new accountant and saved a fair amount of money in the process. The best way I can express my high praise and gratitude is via this review!

Stevan

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.

Michael O’Mara

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!

Jennifer Pitson

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.

Stuart Coulthard

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

David Klingberg

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.

Ann M

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