Cashflow that survives real life
Maternity leave, a second child, a car that dies. A plan says which bills flex and which ones don’t, before the fortnight does it for you.
Financial planning · Australia
A plan for the whole picture, not just this week’s shop.
Budgeting answers what’s left this fortnight. Financial planning is what you do when the questions get bigger than groceries — super, insurance, school fees, a house, the years after the kids leave.
Community partner
My Wealth Solutions
Licensed advisers who work with everyday families, not just people with a share portfolio. First consultation is free. Mention you came from Mums on a Budget so they know you’re one of ours.
What it actually is
A licensed person, a written plan.
Financial planning is sitting down with an Australian financial adviser and putting income, debts, super, insurance and goals into one document you can follow. It’s not a vibe, and it’s not a spreadsheet you abandon in January.
You talk about the household as it is — shift work, child support, a HECS balance, the parent who’s quietly covering extras. They come back with a Statement of Advice: what to do, in what order, and what it costs. Some advice fees can come from super.
The point is financial security so you can focus on the family, not a promise about the share market or house prices. Nobody can guarantee those. A good planner won’t pretend they can.
What it covers
The questions bigger than the shop.
Super, used on purpose
Most of us have an account. Fewer of us have a reason. An adviser looks at contributions, insurance inside super, and whether the fund still fits.
Insurance that matches the risk
Income protection, life, TPD — not a flyer, a number that would actually keep the rent paid if someone couldn’t work.
School, a house, later
Education, a first home, or the years after the kids leave. One written roadmap instead of three separate panics.
What it isn’t
Not a budget app
The workshop on this site keeps the fortnight honest. Planning is the longer map those numbers sit inside.
Not a mortgage broker
Rates and structure live on the Loans tab with Borro. A planner looks at whether the loan still fits the rest of the household.
Not a counsellor
Financial counsellors are free hardship help. Planners are licensed advisers who write a Statement of Advice you can follow.
Ready to talk it through?
Book the free consult, say you came from this community, and take the written plan only if it earns its keep. This page is an introduction, not personal advice.