Value the Future

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Ethical Investing
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Your Goals & Dreams

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Ethical Investment

How to match your investments with your values

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For financial advice to help you reach your dreams.

Your Goals & Dreams

What do you want to achieve?  What is meaningful to you?

At Gold Leaf Financial Services we provide financial planning and services to help you manage your money wisely to achieve your goals and spend time on what is important to you.  Here are some of the goals we help our clients with.

Enjoy Life

  • Achieve your goals and dreams.

  • Spend time on what is important to you – not on managing finances.

  • Have time and funds for friends and family.

  • Start or restart that creative hobby you have always wanted to pursue.

  • Travel to your dream destination.

  • Improve your health and fitness.

  • Take up opportunities for personal and professional growth and learning.

 

Money

  • ​Feel financially secure.

  • Invest to grow your wealth.

  • Support your family and loved ones.

  • Invest to provide additional income.

  • Feel happy that your money and your super/SMSF is invested in line with your personal values.

  • Stop worrying about your finances because you know you are working with an expert.

  • Become debt free.

 

Career and Business

 

  • Change careers and complete further education.

  • Reduce your work hours and work part time.

  • Start your own business.

  • Plan for an enjoyable retirement.

 

Family and friends

 

  • ​Wedding.

  • Start a family.

  • Provide for your family.

  • Provide a quality education for your children and grandchildren.

  • Support ageing parents.

  • Visit family and friends interstate or overseas.

 

Home and property

  • Buy a new home.

  • Pay off the mortgage.

  • Renovate your home.

  • Build a sustainable home.

  • Move to a home with a view of the sea.

  • Buy a holiday house.

  • Buy an investment property.

 

Community and Environment

  • Give or raise money for your favourite charity.

  • Volunteer overseas.

  • Start a charitable trust.

  • Have more time to volunteer.

  • Enjoy and protect our natural environment.

  • Support people and causes you care about.

  • Appreciate and support the arts.

  • Support your local community.

 

A Gold Leaf Financial Planner can create a personalised strategy and plan to put you in a strong position to achieve what is important to you.

Risks to achieving your goals

It is worth noting, one of the biggest risks to you achieving your goals is something unexpected happening.  By saving money for a rainy day, you can feel comfortable knowing you have cash available if the car breaks down, if you need to pay for urgent house maintenance or you lose your job.  Insurance for your home and car can also play a vital role in minimising the financial impact of something unexpected. 

Most people know someone who has been in a car accident, affected by a heart condition or suffered cancer.  This may have taken a significant toll on their health, impacted their ability to work and in turn their finances.  Part of planning for the future is protecting your family and your lifestyle by making sure you have appropriate life insurance, income protection insurance and disability insurance cover.  Read more

Mandy and Scott's Vineyard Dream

Mandy and Scott always dreamed of buying a block of land in the Yarra Valley to start their own boutique winery.  They also wanted to be close to nature and grow organic fruit and vegetables.   A few years ago, Mandy received an inheritance of $2.5 million from a family member.  She wanted to make the most of this money and prepared to purchase a vineyard.  Although they both enjoyed their jobs, which were highly stressful, they wanted to have a change of pace with more quiet surroundings in 7-10 years’ time.  Mandy and Scott live in the inner northern suburbs of Melbourne and have a $600,000 mortgage.  They researched the price of a vineyard and they would need approximately $3.1 million.  When they purchase the vineyard, they would like to keep their current home as an investment property.

 

They met with a Gold Leaf Financial adviser who talked to them about their goals and dreams and recommended they repay their existing home mortgage in full.  This would mean they saved on bank interest on the mortgage and they then had additional savings each year.  Mandy and Scott felt happy to be debt free. 

 

With the remaining funds of $1.9 million the adviser recommended they start an investment portfolio in a range of assets such as shares, bonds and listed property. This was in line with their personal ethical values and would grow over time.  The portfolio was structured in a tax effective way.  Their adviser also recommended they add savings of $4,000 each month into the investment.  When they received bonuses at work, they would use part of the bonus for a holiday and the remainder was deposited into the investment portfolio.  Calculations show that just over 8 years the investment portfolio will be worth approximately $3.6 million*.

 

They are now on track to make their vineyard dream a reality.

 

*Note: Monthly savings $4,000 per month, combined bonus of $7,000 per year. Assumed average investment return of 7.2% pa.