Creo Wealth

Creo Wealth Searching for a secure financial future? Whether you’re a budgeting beginner or financially cruising along, we can help.

At Creo Wealth, we’re all about empowering you, whether you’re young or old. Acquiring wealth shouldn't just be for the wealthy. You deserve more than spending a life chasing your dream life, you deserve to live it

If you’re wondering what it’s actually like to work with me, this is a good place to start.I’m not here to:• take the fu...
22/06/2026

If you’re wondering what it’s actually like to work with me, this is a good place to start.

I’m not here to:
• take the fun out of your life
• sugar-coat things that need honesty
• keep you as a client if I don't think I can genuinely help
• dodge the conversations that matter

I am here to help you make better decisions with your money, without shame, panic, or being told you have to live on two-minute noodles forever.

Money should support your life - not run it.

Anthony
Principal Financial Planner, Creo Wealth

19/06/2026

"Set and forget" sounds disciplined. It's actually just neglect with a better PR team.

Most people picked their super investment option in their 20s or 30s, when retirement felt like science fiction. They haven't looked at it since.

But the version of you that picked "balanced" 15 years ago isn't the same person now. Your salary, your assets, your timeframe, your risk tolerance, your responsibilities, all different.

Your portfolio should know that.

If you're a Gen X-er with $600k in super and feeling like you've got it sorted, this one's a gentle reality check.$600k ...
17/06/2026

If you're a Gen X-er with $600k in super and feeling like you've got it sorted, this one's a gentle reality check.

$600k sounds like a healthy balance. And in 2026, it probably is.

Your retirement might start in 2030 and last until you're 90 in 2055.

By then, $600k could have the buying power of roughly $278k in today's money. Maybe less. Probably less.

And it might have to last you 25-30 years.

The number isn't wrong.

Super isn't about hitting a magic figure. It's about making sure that figure can still buy a life, decades from now.

A 20-minute super review can tell you whether your current balance and contribution rate are actually on track for the retirement you're picturing, or just the one that sounds reassuring on paper.

If you've ever told yourself "we're not really rich enough to need a financial planner," this is your friendly nudge.Ret...
15/06/2026

If you've ever told yourself "we're not really rich enough to need a financial planner," this is your friendly nudge.

Retirement planning isn't for the wealthy. It's for everyone who'd quite like to be okay later.

Most of the families we sit with aren't sitting on millions. They're regular households with regular incomes, a mortgage, kids who keep needing new shoes, and a vague worry that they should probably be doing more with their super.

That's exactly when planning helps most. Not when you've already got it sorted, but when you're still figuring it out.

It doesn't matter what your starting point is. It matters that you start.

If you've ever left a finance meeting nodding along, then sat in the car park googling half the words they used, you're ...
13/06/2026

If you've ever left a finance meeting nodding along, then sat in the car park googling half the words they used, you're not alone.

Financial jargon isn't a sign that the advice is sophisticated. It's usually a sign that the person giving it hasn't bothered to translate.

Compulsory employer contribution. Concessional cap. Transition to retirement. Means-tested care fee. These all mean something useful. But if nobody explains them in plain English, they're just word soup.

And it's nothing to do with intelligence. I mean, what are the chances that I'd understand all of the technical terms and jargon you use in your job every day? Probably low.

You shouldn't need a finance degree to understand decisions about your own money.

The best meetings are the ones where you leave feeling clearer, not smaller. That's the bar.

13/06/2026

Talking about aged care doesn't make it happen. It just means you're ready if it does.

There's a superstition in a lot of families: if we don't mention it, we don't have to deal with it.

Except the conversation always happens eventually. It just usually happens in a hospital corridor, at 9pm, with everyone exhausted and nobody on the same page.

The version where you have it now, over a cup of tea, while Mum and Dad are well and have opinions? That's the kind one. That's the one where their wishes actually get heard.

You don't need to have all the answers. You don't even need to know what to ask. You just need to start.

The clients I worry about most aren't the ones asking the hard questions. They're the ones putting them off."We'll sort ...
11/06/2026

The clients I worry about most aren't the ones asking the hard questions. They're the ones putting them off.

"We'll sort it next year." "Mum's fine for now." "I don't want to think about it on a Friday."

I get it. None of this is fun dinner conversation.

But planning isn't about pessimism. It's about giving the people you love a version of the future where they don't have to scramble.

Send this to someone you've been meaning to have the conversation with.

10/06/2026

Twenty-five years in this job and I can count on one hand the clients who told me they retired too soon.

The ones who waited though? That's a much longer list.

Usually it's the same story: "just one more year, then I'll have enough." Three years later, something changes. Health. A parent needs care. The plan they were saving for is no longer on the table.

Money is a tool. Time is the thing you can't get back.

If you've been telling yourself "just one more year" for a few years now, it might be time for a proper look at the numbers.

04/06/2026

Aged care decisions involve:
• RADs
• Daily fees
• Pension implications
• Family dynamics

There are often more options than people realise.

Structure the decision before rushing it.

03/06/2026

When people have multiple debts, one of the first things we look at is the interest rate.

Not all debt costs the same.

A credit card might be charging 20% or more, while a personal loan may be significantly lower.

That means the most expensive debt is usually the one costing you the most every single month.

In many cases, paying extra towards the highest interest debt first can make a real difference.

Even small additional repayments can start reducing the amount outstanding and the interest being charged.

And one thing I always tell clients is this.

Money decisions work best when they’re made as a team.

Sit down together, talk about your priorities, and decide where you might redirect some spending for a while.

Sometimes it’s as simple as delaying a holiday or reducing a few expenses temporarily to clear a credit card faster.

Small steps can make a big difference over time.

If you'd like help creating a plan to reduce debt and improve your financial position, book an obligation-free chat or give us a call on (02) 9629 1866.

This information is general advice. We have not considered your objectives, personal or financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

Address

Level 3/331 High Street
Penrith, NSW
2750

Opening Hours

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

Telephone

+61296291866

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