Starting Out

young womanLifestyle Choices:
You may be finishing uni, starting an apprenticeship or you may be in the early stages of building your career and life's looking pretty good, a regular income and a lot of plans. Your choices may be all about having more fun and adventure; perhaps a holiday, a car, your own place to live.



Strategy Choices:
The best way to achieve any of these goals is to make your money grow and the best way to do this is through a sound financial plan and a budget.

It's never too early to begin. You can reap the greatest financial benefits by making time work for you. Strategies you may consider are:

Regular Savings and Investment Plans
Budgeting and Cashflow Management
Risk Management (Insuring your income etc)
Good debt management advice
Super choice/Consolidation


Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706
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