Who We Help
Nowak FS partner with people who understand the value of having an expert adviser in their corner and want to outsource the management of their financial affairs to secure their long-term financial future and achieve their lifestyle goals.
Long-term trusted client relationships are important to us. We take the time to get to know each of our clients personally and focus on simplifying their financial affairs to provide a practical plan and clear financial management so they can be empowered to focus on what really matters.
Professionals
Professionals are busy and time poor. Nowak FS can be your delegated expert financial professional who will ensure that you and your family have a plan to work towards your desired long-term financial goals and lifestyle. We also ensure that you have the right financial protection you can rely on if things go wrong.
Creating a long-term plan for financial independence
Budgeting and Cashflow optimisation to identify excess funds for wealth creation
Developing a debt reduction plan (and saving on unnecessary interest!)
Maximising your super retirement savings
Protecting your assets and lifestyle
Estate planning
Professionals
Small Business Owners
Typical business owners focus their energy is on their clients and the prosperity of their business. It’s a big job! We will work with you to prioritise your financial outcomes to ensure that all your hard work has long term financial and life rewards.
We understand the unique challenges business owners face and can help you to take control of your personal finances such as building for a secure retirement, maintaining your business viability and ensuring your family are protected.
Protecting your assets and lifestyle
Leveraging your business and cashflow for your wealth creation and retirement
Succession planning and key person risk management
Protecting your assets and lifestyle
Leveraging your business and cashflow for your wealth creation and retirement
Succession planning and key person risk management
Business
Retiree
Retirement
Retirement is a stage in life that presents freedom and lifestyle choice… you have worked for it! We focus on working with our clients to create their financial plan that simplifies their retirement affairs and empowers them to enjoy a worry free life in retirement.
Building your retirement budget to meet your lifestyle needs
Structuring and investing your retirement funds to provide peace of mind and longevity
Maximising available tax benefits both pre and post retirement
Modelling your financial affairs to provide insight into the longevity of your plan
Reviewing your progress to ensure you are on track and meeting legislative changes
Ensuring you maximise Government Centrelink benefits where eligible
“I have now been on Income Protection for over 2 years, was able to obtain a lump sum Trauma payment, and likely a TPD claim in the near future. I have income protection until I’m 65 and it looks like I will need it. It is hard enough to deal with long-term health issues but to know that financially we are covered makes it so much easier to deal with our problems. Without the friendly, knowledgeable experience of Joe, Michael and the team at Nowak Financial Services we would be in pretty dire straits. I now recommend to everyone I come into to contact with how important it is to develop personal financial strategies early on in your working life, and specifically the amazing, talented team that did it for us at Nowak Financial Services. Joe, Michael, Mel, and all the team are like family to us now and I trust implicitly with our financial future. I would recommend them and do recommend them to everyone I know. You won’t get a more caring, personal, knowledgeable, professional group of people wanting to help. Thank you, Mike, Mel, Joe and the team for everything you’ve done for us.”
Tony Grice – client since 2008