Finance and Risk Consultants Pty Ltd

Call Directions Website Contact the business

Finance and Risk Consultants Pty Ltd Financial Services - Financial Adviser Take advantage of debt and borrowing to pay off the mortgage sooner or to expand your investment portfolio.

Welcome to Finance and Risk Consultants,

At Finance and Risk Consultants Pty Ltd, we aim to provide you with the most appropriate professional advice to help you achieve financial freedom and lifestyle goals. Know your money - Understand advantages of an appropriate savings strategy no matter what your goal - car, house, retirement. Know your insured - Business or personal insurance. Ensuring you are appropriately covered will avoid disappointment in the event of claim. Plan and Review - Regular review of your plan will help you stay on track to meet your goals. Finance and Risk Consultants Pty Ltd* - ABN 32 151 621 304.
*For Financial Planning and Life Insurance, Finance and Risk Consultants are a Corporate Authorised Representative of My AFSL Pty Ltd โ€“ ABN 88 625 856 840 โ€“ AFSL No 508559. Authorised Rep No - 409344


Disclaimer: The posts are of a general nature only and are not to be taken as recommendations as they might be unsuited to your specific circumstances. The contents herein do not take into account the investment objectives, financial situation or particular needs of any person and should not be used as the basis for making any financial or other decisions. Your financial adviser or other professional advisers should be consulted prior to acting on this information. This disclaimer is intended to exclude any liability for loss as a result of acting on the information or opinions expressed.

Do you have a credit card in your own name? ๐Ÿ’ณMany couples rely on one primary credit cardholder, with their partner usin...
21/09/2026

Do you have a credit card in your own name? ๐Ÿ’ณ

Many couples rely on one primary credit cardholder, with their partner using a supplementary card.

But if the primary cardholder passes away, access to that account may be cancelledโ€”potentially leaving their partner without a card for everyday essentials or unexpected expenses.

Having a suitable, manageable credit card in your own name may provide an extra layer of financial independence and protection when it matters most.

It may be a small step today, but it could make a meaningful difference tomorrow.

๐Ÿ“ž 02 8338 0988
๐ŸŒ www.financeandrisk.com.au



General information only and not personal financial advice. Credit products involve eligibility requirements, fees and interest. Please seek professional advice appropriate to your circumstances

4. Are you an Investor or Explorer? ๐Ÿ“ˆYouโ€™re curious, confident and comfortable exploring new opportunities to grow your ...
14/09/2026

4. Are you an Investor or Explorer? ๐Ÿ“ˆ

Youโ€™re curious, confident and comfortable exploring new opportunities to grow your wealth.

While enthusiasm can be a great strength, making decisions without a clear strategy may expose you to unnecessary risk.

The right financial structure and sensible guardrails can help keep your investments diversified and aligned with your long-term goals.

Could this be your money personality?

๐Ÿ“ž 02 8338 0988
๐ŸŒ www.financeandrisk.com.au



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

3. Are you a Money Avoider? ๐Ÿ™ˆDo you put off opening financial statements, checking your super or making important money ...
07/09/2026

3. Are you a Money Avoider? ๐Ÿ™ˆ

Do you put off opening financial statements, checking your super or making important money decisions?

Youโ€™re not alone. Finances can sometimes feel overwhelmingโ€”but avoiding them may allow small concerns to become bigger ones.

Start with one simple step: set aside 15 minutes to review one account or financial document. Small, regular check-ins can help you feel more confident and in control.

Could this be your money personality?

๐Ÿ“ž 02 8338 0988
๐ŸŒ www.financeandrisk.com.au



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

31/08/2026

2. Are you a Spender? ๐Ÿ›๏ธ

You enjoy life today and love spending on the people and experiences that matter to youโ€”but sometimes, saving for tomorrow can take a back seat.

A simple habit, such as automatically transferring a small amount into savings each payday, can help you enjoy today while still building a more secure financial future.

Could this be your money personality?

๐Ÿ“ž 02 8338 0988
๐ŸŒ www.financeandrisk.com.au



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

โ€œWhatโ€™s Your Money Personality?โ€1. Are you a Saver? ๐Ÿ’ฐYouโ€™re disciplined, careful and focused on the futureโ€”but being too...
26/08/2026

โ€œWhatโ€™s Your Money Personality?โ€

1. Are you a Saver? ๐Ÿ’ฐ

Youโ€™re disciplined, careful and focused on the futureโ€”but being too cautious may mean keeping more money in cash than necessary and missing opportunities for long-term growth.

A good financial plan can help you balance security with growth.

Which money personality sounds most like you?



General information only and not personal financial advice. Please seek professional advice appropriate to your circumstances.

Most of us left school knowing how to calculate the area of a triangle.But how many of us learnt how credit card interes...
17/06/2026

Most of us left school knowing how to calculate the area of a triangle.

But how many of us learnt how credit card interest works? Or how super compounds? Or what a realistic emergency fund looks like?

Financial literacy is one of the most important life skills we can have, yet it is still rarely taught in a practical, real-world way.

Understanding the basics is a great place to start. But when it comes to making decisions about your finances, superannuation, investments, protection, retirement or business needs, personalised advice matters.

At Finance and Risk Consultants, we work with individuals, business owners and their professional advisers to help develop strategies tailored to their specific needs.

Financial literacy is not just a school subject. It is a life skill, and it is never too late to build confidence around your financial future.

๐†๐ข๐Ÿ๐ญ๐ข๐ง๐  ๐ซ๐ฎ๐ฅ๐ž๐ฌ: ๐ ๐ž๐ง๐ž๐ซ๐จ๐ฎ๐ฌ ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐ฌ, ๐ฌ๐ญ๐ซ๐ข๐œ๐ญ ๐ฅ๐ข๐ฆ๐ข๐ญ๐ฌTransferring assets to family is a natural retirement impulse; however,...
03/06/2026

๐†๐ข๐Ÿ๐ญ๐ข๐ง๐  ๐ซ๐ฎ๐ฅ๐ž๐ฌ: ๐ ๐ž๐ง๐ž๐ซ๐จ๐ฎ๐ฌ ๐ข๐ง๐ญ๐ž๐ง๐ญ๐ข๐จ๐ง๐ฌ, ๐ฌ๐ญ๐ซ๐ข๐œ๐ญ ๐ฅ๐ข๐ฆ๐ข๐ญ๐ฌ

Transferring assets to family is a natural retirement impulse; however, Centrelink has clear rules around this. You can gift up to $10,000 in a financial year and a maximum of $30,000 over a rolling five-year period without penalty. Anything above these limits is treated as a "deprived asset" and counted as if you still own it for five years from the date of the gift.

๐‘๐ž๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ข๐ง๐  ๐š๐ฌ๐ฌ๐ž๐ญ๐ฌ ๐Ÿ๐จ๐ซ ๐š ๐›๐ž๐ญ๐ญ๐ž๐ซ ๐จ๐ฎ๐ญ๐œ๐จ๐ฆ๐ž

This is where real value is unlocked, and where the difference between a well-advised and an unadvised retiree can be measured in tens of thousands of dollars over a retirement:

ยท ๐ˆ๐ง๐ฏ๐ž๐ฌ๐ญ ๐ข๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž. Renovations, upgrades, or paying down a mortgage all convert assessable assets into an exempt one. Every dollar shifted into your principal residence reduces your assessable asset base.
ยท ๐…๐ฎ๐ง๐ž๐ซ๐š๐ฅ ๐›๐จ๐ง๐๐ฌ ๐š๐ง๐ ๐ฉ๐ซ๐ž๐ฉ๐š๐ข๐ ๐Ÿ๐ฎ๐ง๐ž๐ซ๐š๐ฅ๐ฌ. Funeral bonds are exempt from the assets test up to $15,750 per person. Alternatively, a prepaid funeral plan with a valid contract is fully exempt with no upper cap, making it the more powerful option for many retirees.
ยท ๐‚๐จ๐ซ๐ซ๐ž๐œ๐ญ ๐š๐ฌ๐ฌ๐ž๐ญ ๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ข๐จ๐ง๐ฌ. Centrelink requires second-hand value, not replacement or insurance value. A fair estimate for home contents is typically $10,000 for couples and $5,000 for singles.
ยท ๐’๐ฉ๐ž๐œ๐ข๐š๐ฅ ๐ƒ๐ข๐ฌ๐š๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐“๐ซ๐ฎ๐ฌ๐ญ๐ฌ. Eligible family members can contribute up to $500,000 into a Special Disability Trust for a family member with severe disability without triggering gifting rules, with assets inside exempt from the assets test up to $832,750.

The Age Pension should not be an afterthought. For many Australians, it is a meaningful and growing component of retirement income. The question is whether you have a plan to claim your full entitlement or are simply hoping for the best.

Address

Suite 3. 04, 247 Coward Street
Mascot, NSW
2020

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61283380988

Website

Alerts

Be the first to know and let us send you an email when Finance and Risk Consultants Pty Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Finance and Risk Consultants Pty Ltd:

Shortcuts

Share

Category