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.

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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

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.
Brenton is genuine, honest and his professionalism, expertise and industry knowledge is second to none. He was been life-changing in carving out a positive and exciting financial plan for my husband and I in the short and long-term. We cannot rate him and his team highly enough!
Ruth, 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
I was referred to Financial Spectrum by my long term accountant. We knew that we needed to get strategic help and to put some structure to our finances. Financial Spectrum collaborated with us to develop well-defined goals and a financial strategy to match. The Financial Spectrum team is extremely knowledgeable,...
Richard, Sydney
Really impressed with Brenton and his team. Friendly, responsive, professional service. Takes the stress out of (and adds excitement to) planning for our future.
Alex, Sydney
Brenton, Julie, Thomas and his team of experts have been my advisors for 3 years through both the growth of my business and how that relates to my personal financial position. I cannot recommend them enough. Brenton is a great listener and very creative thinker and has a way of...
Leigh, Sydney
We have been working with Spectrum Financials for a number of years. As a young couple thinking about marriage and starting a family were wanting some guidance for long term planning. After researching a number of financial advisors we decided to go with Brenton and his team due to their...
Duncan and Rebecca, 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.
Brenton Tong from Financial Spectrum is one of the most passionate of financial planners I have met through my accounting network. Brenton’s knowledge on markets, property, superannuation and the world economy is amazing which gives me the greatest confidence in referring my client to Brenton for wealth creation strategy and...
Rozalin, Sydney
I was referred to Financial Spectrum by my long term accountant. We knew that we needed to get strategic help and to put some structure to our finances. Financial Spectrum collaborated with us to develop well-defined goals and a financial strategy to match. The Financial Spectrum team is extremely knowledgeable,...
Richard, Sydney
Financial Spectrum is a great company. My adviser is friendly, knowledgeable, and an expert in his field. Highly recommended.
Aimee, 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
After talking to four financial planning firms, we engaged Greg from Financial Spectrum to help develop our first financial/ wealth planning strategy. We've found his advice to be quite strategic, realistic and on-point such that it thoroughly considers our short-term and long-term goals. I especially appreciate Greg taking our adhoc...
Nakul, Sydney
Brenton, Julie, Thomas and his team of experts have been my advisors for 3 years through both the growth of my business and how that relates to my personal financial position. I cannot recommend them enough. Brenton is a great listener and very creative thinker and has a way of...
Leigh, 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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We’re so confident about creating value for you quickly, that we guarantee it with a 100% money-back guarantee.

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