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