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FINANCIAL PLANNING SERVICES

Budgeting and Cashflow – FLOW Money Management

The foundation of any financial strategy is budgeting and cash flow management. It provides a structure and control over your money, so that you can maximise your savings to invest towards your future goals.

OUR INSIGHTS HAVE BEEN REPORTED IN

Building wealth starts with money

You earn a lot of money over the course of your lifetime.  However daily life costs money and your personal income is directed towards living expenses and debt repayments, impacting how much money you have left over.

What you can put aside from each pay accumulates as savings. You can then use these savings to invest in wealth building assets, such as property and shares. The more control you have over your money, the faster you’ll be able to save, invest and reach your goals.

FLOW Money Management

While budgeting is an effective process, it can be tedious and difficult for many people.  That’s why we developed our proprietary system, FLOW Money Management – to help our clients take control of their money just as effectively, but with more ease.

We do things differently

At Financial Spectrum, we do things differently to what you may think of as budgeting and cashflow management. We’re not about budgeting in the traditional sense. There are no spreadsheets. We’re don’t advise you to restrict your spending and limit you from living the life you want.

Living with intention

Financial Spectrum’s approach to budgeting is an exciting process of identifying your core values, making conscious choices about what’s important to you, and then structuring your finances accordingly. That way, money management becomes effortless and enables you to live the life you want.

When your money is in flow, the mental load of managing your money is reduced. The result: less stress and confidence in your future.

Let Financial Spectrum set you up for success

How you handle money day to day can make or break a financial strategy. Having control of your money by keeping your cashflow simple and easy to manage is essential for reaching your goals.

Just like eating well and a regular exercise regime will improve your physical wellbeing, setting up a solid system and good habits will improve your financial wellbeing. Through identifying your core values, automating your bank accounts and setting up good habits, managing money becomes effortless.

How we work with you

For many people, the first word that comes to mind when they hear of budgeting and cashflow management is “restriction”. But at Financial Spectrum, it’s actually about freedom and liberation

The first step in Financial Spectrum’s FLOW Money Management process is uncovering your relationship to money, your spending habits and your values. We then work with you to bring your values and your spending habits into alignment. Your spending decisions will be driven with clarity, and you’ll live a more fulfilled life by spending in line with what you value most. But most importantly, you’ll feel empowered to create the lifestyle you dream of.
The next step is put the structures in place. This could include structuring accounts for both greater control and ease of management. It might be working with you to create a budget to better align your spending (and this doesn’t mean you’ll have to give up on the things that bring you joy!). We’ll equip you with the tools to help you manage your money with more efficiency, ease and confidence.
But we don’t stop there. Think of us as your financial coach. Someone you can turn to for help when you need it. We’ll give you confidence (and help you avoid costly mistakes) by helping you make informed, smart decisions. And we’ll keep you accountable because we’re not afraid to lean into hard conversations when we need to. But overall, you’ll have the security of being cared for by experts whose goal is to help you reach yours.

WE'RE AWARD WINNING FINANCIAL PLANNERS AND ADVISORS

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Case Study

Who we helped

Paul and Amanda knew they could be doing better with their money. They were both earning high incomes, but didn’t have much to show for it. They felt that they were falling behind their peers while everyone else was steaming ahead. They didn’t have control of their finances and it was causing arguments between them. They knew that they had to be smarter with their money, but didn’t know how.
A couple smiling in the garden discussing how to deal with money issues in the relationship
A couple in the garden holding their child discussing Budgeting and Cashflow.

How we helped them

We worked with Paul and Amanda to create a comprehensive financial plan with a strong initial focus on FLOW Money Management. Through a series of meetings we helped them identifying your core values, needs and future goals. We then structured and automated their bank accounts so that managing money becomes effortless.

Results

By implementing Financial Spectrum’s FLOW Money Management system, we were able to help Paul and Amanda achieve the following:

Dramatically reduce the amount of time they had to spend looking at their bank accounts, transferring money and paying bills

Avoid disagreements around money, strengthening their relationship

Make it easier for them to stick to their self-directed spending limits

Have sufficient funds for both emergencies, as well as fun things like holidays

Enable them to pay their home loan off faster

Help them live their life more intentionally with a great sense of purpose

Now a couple of years have passed and Paul and Amanda are ahead of our forecasts and on track to own their home much earlier than they ever thought possible. This has allowed them to bring forward their planned investments in shares and property which in turn, creates more wealth for their future.
Highly recommended team of advisors.
Caroline, Sydney
Having worked in the financial services industry myself, I sought a Financial Planner who had the analytical and problem solving creativity skills that I was in need of with a strategic and holistic approach. Given the extent of conflict of interest in the Financial Planning industry, it was a relief...
Janar, NSW
After choosing Financial Spectrum as my financial adviser I have a better understanding of my financial situation. Their expertise and industry knowledge have equipped me to develop clear goals and a step-by-step plan to achieve them. It was daunting with the complexities of my trust and company structure, but Financial...
Jake, NSW
I had the pleasure of meeting Greg from Financial Spectrum, who impressed me with his professionalism and attentive listening skills. He provided invaluable insights into the intricate web of financial decision-making, which ultimately enabled me to purchase my first home. I'm thrilled about the prospects of my future, and I...
Elisabeth, Sydney
We cannot thank you enough for your fantastic investment advice. We could not have imagined four years ago that our $40,000 investment would now be worth $250,000. Thank you to our financial planner!
Sid and Melanie, NSW
Greg Suefong has turned my life around. I'd been searching for someone like Greg for a while and had spoken to various professionals, but all were disappointing. However, from the first consultation I knew Greg was "the one" and I signed up straight away without hesitation. He understood my unique...
Michelle, Sydney

Results

By implementing Financial Spectrum’s FLOW Money Management system, we were able to help Paul and Amanda achieve the following:
  • Dramatically reduce the amount of time they had to spend looking at their bank accounts, transferring money and paying bills
  • Avoid disagreements around money, strengthening their relationship
  • Make it easier for them to stick to their self-directed spending limits
  • Have sufficient funds for both emergencies, as well as fun things like holidays
  • Enable them to pay their home loan off faster
  • Help them live their life more intentionally with a great sense of purpose

Dramatically reduce the amount of time they had to spend looking at their bank accounts, transferring money and paying bills

Avoid disagreements around money, strengthening their relationship

Make it easier for them to stick to their self-directed spending limits

Have sufficient funds for both emergencies, as well as fun things like holidays

Enable them to pay their home loan off faster

Help them live their life more intentionally with a great sense of purpose

Now a couple of years have passed and Paul and Amanda are ahead of our forecasts and on track to own their home much earlier than they ever thought possible. This has allowed them to bring forward their planned investments in shares and property which in turn, creates more wealth for their future.
The team at Financial Spectrum have been a huge help to my wife and I. Our planner has given really helpful advice including the development of a SMSF. We feel like he has taken considerable time to understand our unusual circumstances and has tailored to them. We feel understood, significantly...
Chris and Kerry, Sydney
Professional and efficient service. Not all financial planners are good with people under 35 yrs old, but Financial Spectrum is.
Issa, Sydney
If you require any guidance or assistance with your finances, do not hesitate to reach out to Financial Spectrum. Greg and the team at Financial Spectrum are a group of authentic, sincere, and friendly financial planners. He prioritises getting to know you by asking the right questions without being in...
Grace, Sydney
Brenton and the team at Financial Spectrum are genuine honest and friendly financial planners if you're in need of any advice on your finances.  Do not hesitate to contact Brenton. He takes the time to ask you questions first, rather than rushing you like most other planners do!  I took...
KD, Sydney
After choosing Financial Spectrum as my financial adviser I have a better understanding of my financial situation. Their expertise and industry knowledge have equipped me to develop clear goals and a step-by-step plan to achieve them. It was daunting with the complexities of my trust and company structure, but Financial...
Jake, NSW
The team at Financial Spectrum are experts in a complex area: specialising in creating financial solutions for up and coming young executives. They recognise that this group have special needs, and their wealth creation strategies and tax solutions are tailored specifically to suit. They are about strategy, not just products....
Toby, Sydney

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Frequently asked questions

A budget is a plan that allocates future personal income towards your living expenses and debt repayments.  This gives you the ability to influence what you spend on and how much to spend, maximising your savings to invest towards your future goals.

Our approach to budgeting isn’t about restricting your spending and preventing you from living the life you want. In fact, to the contrary, it puts you in the driver’s seat and enables you to make conscious choices about what’s important to you. It’s all about intention and living your life in line with your values.

Your cash flow is the increase or decrease in the amount of money you have over time. Control of your cashflow enables you to manage your money as effectively as possible and maximise your savings to invest towards your future goals.

Just like eating well and a regular exercise regime will improve your physical wellbeing, setting up a solid system and good habits will improve your financial wellbeing. Through identifying your core values, automating your bank accounts and setting up good habits, managing money becomes effortless.

Budgeting and cash flow management is arguably the most important aspect of financial planning.  It provides a structure and control over your money, so that you can maximise your savings. You can then use these savings to invest in wealth building assets, such as property and shares. The more control you have over your money, the faster you’ll be able to save, invest and reach your goals.

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The Information provided is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information presented you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. We highly recommend you seek professional advice to check how the information relates to your unique circumstances. Financial Spectrum is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of, or reliance on, the information provided.

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