Who we help – Construct Wealth

While not everyone fits into all of these categories, the people we help the most are:

busy families, professionals and business owners that don’t have the time to do the research about what they should do and want to take control of their finances
people who are happy to let an independent financial adviser show them how they need to set things up and help them put it in place
those wanting to accelerate their wealth accumulation
those wanting guidance around when they can stop work.

Here’s a couple of case studies of clients we’ve helped and how

Case study 1 – Buying a new home

Married couple in their late 30’s with two kids
Both white collar workers with a combined income of $230,000
Both have super ($400,000 combined) through the default accumulation super fund for Commonwealth Public Servants
Their employer contributes 15.4% super
They both have personal insurance held through their super fund
Have an investment property geared at about 40%
Looking to buy a new home but wanted to check how best to do this to be financially comfortable long-term

They bought their new home with the confidence that they could afford it
They have a plan to achieve all of their goals, including being able to stop paid work at 55
Changing super funds means that between them they will be saving more than $500,000 in fees over the next 20 years
Their super is now invested in a diversified portfolio that will give them returns that are better than 75% of similar investments
They can focus on doing the things they want now with the knowledge that their retirement is going to be fully funded
They are saving $1,500 a year in insurance premiums (and for superior insurance) compared to what they would have been paying through their super fund

Married with three kids
Late 30’s
Blue collar workers with a combined income of $160,000
Both have super ($150,000 combined) through one of Australia’s largest Industry super funds which boasts low fees as one of the reasons you should switch to them
Their employers contribute 9.5% to super
Have a mortgage of around $500,000

They have a plan to be able to retire by the time they are 55
They can continue going on regular family camping trips and creating memories with their kids
They have a plan to save for their kids’ education
Changing super funds means that between them they will be saving more than $120,000 in fees
Their super is now invested in a diversified portfolio that will give them returns that are better than 75% of similar investments
They are saving $1,800 a year in insurance premiums (and for superior insurance) compared to what they would have been paying through their super fund.