FINANCIAL ADVICE
Smart Money Moves, Made Simple
Let’s craft a plan for your money so you can live life on your terms, today and tomorrow.
You’ve got plans — big ones!
The kind that flickers around in your mind just before you fall asleep at night: adventures in corners of the world you’re yet to explore, living in your dream home, starting or expanding your family, watching the kids graduate from that fancy-schmancy school from the glossy brochure, or reaching the level of financial security that makes you walk just that bit taller…
There’s just one catch - you need to make sure you have enough money so that these things can actually happen, and not just collect dust on the ‘would-be-nice’ shelf.
Navigating your money can feel a bit like walking a financial tightrope—trying to balance living a decent lifestyle today and saving and investing for the things you want for tomorrow. But the fear of making a misstep and not doing the right things with your money can stop you from taking any steps forward at all.
That’s where we come in.
At Making Cents of Money, we provide straight-up, no-BS financial advice so that you can live life on your terms - today and tomorrow.
We’ll look at your whole financial world:
From your day-to-day money management, superannuation, personal insurance and investing - and get everything working together so you can actively move towards everything you’re hoping to see, do and experience.
We get to understand you, your life, what’s important to you and design a financial plan to suit.
Because money is so much more than numbers - it’s our thoughts, feelings, behaviours and experiences too.
We’ll design a plan that considers things from all angles and fits you like your favourite pair of jeans.
Our clients have been able to…
I’m ready! Let’s talk money.
Having a financial plan designed to fit you and your life, makes this whole ‘money’ thing feel a lot easier.
It gives you the confidence that you’re on the right track, with the knowledge to never second-guess your money decisions.
You’ll navigate your financial life with the ease of someone who knows exactly what is happening with your money, and exactly what you need to do to get to where you want to go.
Most importantly, your money will be working for you on autopilot in the background to take care of current-you and future-you - giving you the freedom to focus on living your life while you’re money is doing what it needs to do, without the constant need for you to micro-manage or spend countless hours in spreadsheets or tracking transactions.
Working alongside Bec was such a supportive process. She helped transform our relationship with money, set up really effective and easy cashflow and budgeting tools that have changed our day to day lives for the better. With her help and clear communication we set some financial goals for our family and the life we want to lead. I have already, and would highly recommend anyone looking to enhance their financial freedom, goals and mindset, to reach out to Bec and gain from her wisdom and knowledge.
EMILY ★★★★★
HEAR IT FROM OUR CLIENTS
I can say in all honesty that Bec has changed my life. She took a debt-riddled, chronically ill, no-idea-how-to-money "adult" and turned me into a financially literate, homeowning, debt-free (except the mortgage), share-holding, actual grown up. She is extremely knowledgeable but never makes you feel like an idiot, she is relatable, honest, and trustworthy, hugely generous, and she is just a downright lovely human being to work with. She is absolutely not what you expect from a financial planner and that is her major strength. I thought you could only get financial advice from stuffy old men who you had nothing in common with - but Bec builds such beautiful rapport because she gets you and she gets your life stage. I'm sure she would be helpful for those of any age, but her cash flow programs and wonderful insight will help any millennial stop being scared of their money and their future. Her empathy and rapport set her apart and I know I'm not her only fan - all the people I have sent to Bec have raved about her ability to break down complicated financial concepts into easy-to-digest information, empowering them to take control of their future. Thank you for everything you do, Bec - and thank you for helping me become the person I am today. I couldn't have done it without you.
SAM ★★★★★
If you are stuck with your finances and looking for someone who can help Bec is your girl! She completely changed my life. Bec is non judgemental, very knowledgeable and is magnificent at explaining finances in a way that everyone can understand.
AMANDA ★★★★★
Let’s create a plan for your money.
Here’s how we’re going to do it:
✔ Cashflow Confidence
Dive into the day-to-day of your finances. We’ll streamline your cash flow management, making sure every dollar is pulling its weight towards your goals - all on autopilot. This will ensure you can focus on living life today without compromising tomorrow.
✔ Debt Management
If you have a pesky credit card, personal loan or buy-now-pay-later account that keeps hanging around like a bad smell, we’ll craft a plan for you to clear it. We want your debt working for you, rather than against you. If you have a home loan, we’ll strategise to help you to clear it in a timeline that works for your bigger picture, or consider ways you can use it in a way to grow your wealth.
✔ Plan B
Life’s full of surprises. We’ll make sure you’re ready for them, protecting what matters most. From comprehensive personal insurance advice, to creating robust safety nest, to having a estate planning strategy in place, we ensure you and your loved ones are protected, no matter what comes your way.
✔ Investments
Your money should work as hard for you as you do for it. We’ll guide you through making smart investments that grow with you to amplify your wealth, align with your values, and propel you towards your financial goals faster.
✔ Sort Your Super
Future you deserves the same great lifestyle. We’ll ensure your super is hard at work, so retirement is about choices, not compromises.
✔ Tax Optimisation
Paying tax is part of the game, but overpaying isn't. We work with you and your accountant to uncover strategies that reduce your tax bill, ensuring you take full advantage of government benefits and incentives that boost your financial goals.
You’re in the right place if…
✔ You’ve got a bucket list that’s bursting at the seams, and you’re ready to start ticking things off.
✔ You want financial strategies that fit into your life, not the other way around.
✔ You’re ready to roll your sleeves up and start making real progress towards the things you want to see, do and experience.
Maybe look elsewhere if…
✗ You’re looking for a silver bullet. Our approach is more tortoise, less hare.
✗ You’re all talk and no action - you need to be ready to make some smart money moves (with us by your side, of course).
✗ You’re looking for a Financial Planner adorned in an over-priced suit that holds meetings in stuffy bored-rooms boardrooms.
At Making Cents of Money, we’re not your average Financial Planning company - we’re about stripping back the complexity of money and making it accessible, understandable, and dare I say, fun.
No jargon, no intimidation, just straightforward guidance tailored to your life.
We believe in:
✔ Equipping you with the knowledge and confidence to make informed financial decisions.
✔ Crafting financial plans as unique as you are, no cookie-cutter advice here.
✔ Building long-term wealth through smart, sustainable actions.
✔ Making financial advice approachable, understandable, and doable.
✔ Meetings where you’re most comfortable - whether that’s over Zoom or face-to-face at our office in Bendigo.
✔ Flexible scheduling that fits your life - because life doesn’t just happen between 9 and 5.
✔ Creating a supportive environment where there is no such thing as a stupid question
✔ Taking pressure off you, not putting it on you - your first meetings with us are on the house, and absolutely obligation-free. We want you to feel confident that you’ve found the right fit for you.
Our Process
Money Chat
Think of this as a quick ‘hello’. Grab a cuppa (or a wine, if talking money isn’t your thing) and we’ll spend 15 minutes over the phone getting a snapshot of your situation now to work out your next best steps.
01
Discovery Meeting
We’ll then take an in-depth exploration of your money. We’ll meet (over Zoom, or in person at our office in Bendigo) to talk big picture and what it is that you want your life and finances to look like. We’ll take a detailed look at your finances now and discuss the steps you need to take to make these things happen.
At this point, we’ll see if we’re a match made in financial planning heaven, and if so, discuss what working together will look like.
02
Information Gathering & Research
We’ll gather more information from you to ensure that we completely understand your current situation from the inside out so we can prepare your advice. We’ll get your permission to contact your existing super fund(s), investment(s) and personal insurance providers to complete further research.
03
Strategy Sessions
Once we have a thorough understanding of everything as it stands right now, we’ll set our sights forward. We’ll meet for strategy sessions to discuss each aspect of your financial world in more detail. I’ll provide coaching and education in these sessions, and we’ll get to know more about your thoughts, feelings and preferences for each area to design a financial plan that is perfectly you.
04
Advice Presentation
We then put together your very own written financial roadmap, in a document known as a Statement of Advice (SOA). We go through this, together, and I explain my recommendations in human language (including the what, why and how). You have the opportunity to ask any and all questions, and sign off on the plan when you’re feeling fully comfortable and ready to dive in.
05
Implementation
(aka. Outsourcing most of the financial paperwork to us)
A financial plan means absolutely nothing without putting it into action! We’ll get the ball rolling on all of the paperwork and implementing the advice. We’ll make the process as easy as possible so that you can sit back and relax while everything takes shape. I’ll keep you posted along the way to let you know how everything is progressing.
06
Ongoing Support
(optional, but recommended)
Ongoing sessions to keep you on track and ensure that you’re continually optimising your finances to get to your goals as quickly as possible (and account for any changes to your circumstances!)