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Award winning financial advice you can trust. Offices in Melbourne & Sydney. Book a complimentary first appointment with our team today!

CAR 456696 AFSL Alliance Wealth 449221 www.centrepointalliance.com.au/fsg/aw *This is not financial advice* Committed Financial Planning Pty Ltd ATF CFP Unit Trust ABN 55 788 313 629 is a Corporate Authorised Representative 000456696 of Alliance Wealth Pty Ltd ABN 93 161 647 007 AFSL 449221 www.centrepointalliance.com.au/fsg/aw

29/10/2026

𝗢𝗡𝗘 𝗠𝗢𝗡𝗘𝗬 𝗟𝗘𝗦𝗦𝗢𝗡 𝗧𝗢 𝗧𝗘𝗔𝗖𝗛 𝗬𝗢𝗨𝗥 𝗞𝗜𝗗𝗦 𝗕𝗘𝗙𝗢𝗥𝗘 𝗧𝗛𝗘𝗬 𝗟𝗘𝗔𝗩𝗘 𝗛𝗢𝗠𝗘
A credit card isn't extra money.
It's debt.
Teach them what the interest rate means.
Show them what “minimum repayment” actually does.
Explain why “interest free” doesn't always mean cost free.
And make sure they understand that how they use credit today can follow them when they want to borrow tomorrow.
In Australia, the average credit-card interest rate is currently over 18%, and paying only the minimum can leave a balance hanging around for years. Moneysmart
𝗗𝗼𝗻'𝘁 𝗷𝘂𝘀𝘁 𝘁𝗲𝗮𝗰𝗵 𝘆𝗼𝘂𝗿 𝗸𝗶𝗱𝘀 𝗵𝗼𝘄 𝘁𝗼 𝘀𝗽𝗲𝗻𝗱 𝗺𝗼𝗻𝗲𝘆.
T𝗲𝗮𝗰𝗵 𝘁𝗵𝗲𝗺 𝘄𝗵𝗮𝘁 𝗶𝘁 𝗰𝗼𝘀𝘁𝘀 𝘁𝗼 𝗯𝗼𝗿𝗿𝗼𝘄 𝗶𝘁.

Book a complimentary first appointment with us:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

27/10/2026

“I 𝗛𝗔𝗩𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘…I 𝗧𝗛𝗜𝗡𝗞?
𝗕𝗨𝗧 𝗗𝗢 𝗬𝗢𝗨 𝗔𝗖𝗧𝗨𝗔𝗟𝗟𝗬 𝗞𝗡𝗢𝗪 𝗪𝗛𝗔𝗧 𝗣𝗘𝗥𝗦𝗢𝗡𝗔𝗟 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗬𝗢𝗨 𝗛𝗔𝗩𝗘?
We speak to people all the time who know they have some insurance, usually somewhere in their super, but couldn't tell you what they're covered for.
Income protection is a good place to start.
If illness or injury stopped you working tomorrow:
Do you have income protection?
How much would it pay?
When would it start?
How long would it last?
And don't automatically assume insurance through super is cheaper.
𝗔 𝗹𝗼𝘄𝗲𝗿 𝗽𝗿𝗲𝗺𝗶𝘂𝗺 𝗳𝗼𝗿 𝗮 𝗹𝗼𝘄𝗲𝗿 𝗹𝗲𝘃𝗲𝗹 𝗼𝗳 𝗰𝗼𝘃𝗲𝗿 𝗶𝘀𝗻'𝘁 𝗻𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝗶𝗹𝘆 𝗯𝗲𝘁𝘁𝗲𝗿 𝘃𝗮𝗹𝘂𝗲. Once you compare the amount of cover you actually need, the cost — and the policy itself — can look very different.
Having insurance and being 𝗮𝗽𝗽𝗿𝗼𝗽𝗿𝗶𝗮𝘁𝗲𝗹𝘆 insured aren't the same thing.
𝗞𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂'𝘃𝗲 𝗴𝗼𝘁 — 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝗶𝘁.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

25/10/2026

𝗟𝘂𝗸𝗲, 𝟯𝟱 - 𝟰𝟱 𝘆𝗲𝗮𝗿𝘀, 𝗕𝗹𝗮𝗰𝗸𝗯𝘂𝗿𝗻, 𝗩𝗜𝗖
"Deepak has given me advice on budgeting and insurance. He always explains concepts in a clear way and it is clear that he has our long-term financial interests in mind. I would highly recommend Deepak to new clients."

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

21/10/2026

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗔𝗗𝗩𝗜𝗖𝗘 𝗦𝗛𝗢𝗨𝗟𝗗 𝗠𝗔𝗞𝗘 𝗟𝗜𝗙𝗘 𝗙𝗘𝗘𝗟 𝗦𝗜𝗠𝗣𝗟𝗘𝗥.
𝗡𝗢𝗧 𝗠𝗢𝗥𝗘 𝗖𝗢𝗠𝗣𝗟𝗜𝗖𝗔𝗧𝗘𝗗.
There's a lot of information out there about money.
Super. Investments. Tax. Insurance. Retirement. Property.
The hard part isn't finding information anymore.
It's knowing which information actually matters to you.
Good financial advice isn't about making things sound complicated.
It's about understanding where you are, where you want to go, and helping you make confident decisions along the way.
No jargon. No one-size-fits-all solutions. Just advice built around your life.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

18/10/2026

𝗪𝗛𝗔𝗧 𝗜𝗙 𝗧𝗛𝗘 𝗪𝗔𝗬 𝗪𝗘 𝗦𝗘𝗘 𝗧𝗛𝗘 𝗪𝗢𝗥𝗟𝗗 𝗜𝗦 𝗢𝗨𝗧 𝗢𝗙 𝗗𝗔𝗧𝗘? 🌍
We recently changed the way we map the world because the traditional map we've used for centuries significantly distorted the relative size of continents — particularly Africa.
Maybe our investment maps deserve another look too.
For decades, global investment markets have been dominated by the United States.
But the global economy is evolving. Emerging economies are growing in importance, new markets are opening to international investment, and economic activity is increasingly spread across a much broader world.
This doesn't mean abandoning developed markets or chasing the next big thing.
It means remembering one of investing's oldest principles:
𝗗𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻.
𝗦𝗼𝗺𝗲𝘁𝗶𝗺𝗲𝘀 𝗰𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗽𝗲𝗿𝘀𝗽𝗲𝗰𝘁𝗶𝘃𝗲 𝗹𝗲𝘁𝘀 𝘆𝗼𝘂 𝘀𝗲𝗲 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝘁𝗵𝗮𝘁 𝘄𝗲𝗿𝗲 𝘁𝗵𝗲𝗿𝗲 𝗮𝗹𝗹 𝗮𝗹𝗼𝗻𝗴.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

15/10/2026

𝗗𝗼𝗹𝗹𝘆 𝗱𝗶𝗱𝗻'𝘁 𝗯𝘂𝗶𝗹𝗱 𝗗𝗼𝗹𝗹𝘆𝘄𝗼𝗼𝗱 𝗯𝘆 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝘁𝗼 𝘀𝗼𝗺𝗲𝗼𝗻𝗲 𝗲𝗹𝘀𝗲. 😏
You don't need to build a business empire. And you don't need to become an investment expert.
But every woman should understand her own financial position.
Know what's in your super.
Know what you own — and what you owe.
Understand where the household money goes.
Know how to access your accounts and important financial information.
You shouldn't be a passenger in your own financial life.
𝗞𝗻𝗼𝘄𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀𝗻'𝘁 𝗮𝗯𝗼𝘂𝘁 𝗺𝗶𝘀𝘁𝗿𝘂𝘀𝘁. 𝗜𝘁'𝘀 𝗮𝗯𝗼𝘂𝘁 𝗰𝗵𝗼𝗶𝗰𝗲.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

13/10/2026

𝗦𝗠𝗦𝗙𝘀 𝗮𝗿𝗲𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗳𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗲𝘀 𝗮𝗻𝘆𝗺𝗼𝗿𝗲.
An estimated $27 billion has moved from industry super funds into SMSFs over the past four years, and increasingly, it's younger Australians making the move.
Gen X and Millennials now account for the overwhelming majority of new SMSF establishments, with greater control and flexibility among the reasons people are choosing to take a more active role in managing their super.
But greater control also comes with greater responsibility.
An SMSF isn't simply another super fund. You're taking on trustee obligations, investment decisions, compliance requirements and responsibility for ensuring the fund remains appropriate for you. ASIC's Moneysmart similarly cautions that running an SMSF takes time, effort and skill.
As an accredited SMSF Specialist Adviser, this is an area I'm particularly passionate about.
The question isn't simply “Can I have an SMSF?”
It's “Would an SMSF actually improve my financial position and help me achieve what I want?”
Because sometimes the answer is yes.
And sometimes the smartest advice is not to establish one at all.
𝗧𝗵𝗮𝘁'𝘀 𝘄𝗵𝗲𝗿𝗲 𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗮𝗱𝘃𝗶𝗰𝗲 𝗺𝗮𝘁𝘁𝗲𝗿𝘀.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

11/10/2026

𝗦𝗧𝗢𝗣 𝗖𝗛𝗘𝗖𝗞𝗜𝗡𝗚 𝗬𝗢𝗨𝗥 𝗣𝗢𝗥𝗧𝗙𝗢𝗟𝗜𝗢.
(𝗪𝗲𝗹𝗹… 𝗾𝘂𝗶𝘁𝗲 𝘀𝗼 𝗼𝗳𝘁𝗲𝗻.) 😏
One of the smartest investment decisions you can make might be deciding when not to look.
Markets move. Headlines shout. Portfolios fluctuate.
That's also one of the benefits of having an adviser. While you're getting on with your life, we're keeping an eye on markets, reviewing your investments and making sure your strategy continues to align with your goals.
You don't need to react to every headline or every market movement.
𝗧𝗵𝗮𝘁'𝘀 𝗼𝘂𝗿 𝗷𝗼𝗯. 𝗬𝗼𝘂𝗿𝘀 𝗶𝘀 𝘁𝗼 𝘀𝘁𝗶𝗰𝗸 𝘁𝗼 𝘁𝗵𝗲 𝗽𝗹𝗮𝗻.
I𝗻𝘃𝗲𝘀𝘁 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗹𝗮𝗻. 𝗡𝗼𝘁 𝗮 𝗿𝗲𝗮𝗰𝘁𝗶𝗼𝗻.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

07/10/2026

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗶𝘁'𝘀 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂, 𝗼𝗿 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝗶𝘁'𝘀 𝘀𝗶𝗺𝗽𝗹𝘆 𝘄𝗵𝗮𝘁 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻𝘀 𝗵𝗮𝘃𝗲 𝗮𝗹𝘄𝗮𝘆𝘀 𝗱𝗼𝗻𝗲?
Property can absolutely play a valuable role in building long-term wealth. It can provide rental income, capital growth and the ability to use leverage.
But it also comes with some characteristics we don't always talk about quite as enthusiastically:
🏠 A substantial amount of capital concentrated in one asset
💰 Significant buying, selling and ongoing costs
🔧 Maintenance, rates, insurance and periods without a tenant
🏦 Exposure to interest rates when borrowing is involved
💸 And, for a negatively geared property, an investment that requires you to contribute additional cash just to keep holding it.
None of that makes property a bad investment.
But neither does Australia's long-standing love affair with property automatically make it a good one.
The better question isn't "𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗼𝗿 𝘀𝗵𝗮𝗿𝗲𝘀?"
It's:
𝗪𝗵𝗮𝘁 𝗮𝗺 𝗜 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗮𝗰𝗵𝗶𝗲𝘃𝗲 — 𝗮𝗻𝗱 𝗶𝘀 𝘁𝗵𝗶𝘀 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝘄𝗮𝘆 𝘁𝗼 𝗴𝗲𝘁 𝘁𝗵𝗲𝗿𝗲?

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

04/10/2026

𝗟𝗶𝗳𝗲 𝗶𝘀𝗻'𝘁 𝗯𝗹𝗮𝗰𝗸 𝗮𝗻𝗱 𝘄𝗵𝗶𝘁𝗲.
Your financial plan shouldn't be either.
Life rarely fits neatly into boxes.
Careers change. Families change. Priorities shift. Markets move. And sometimes the plan that made perfect sense five years ago doesn't make sense today.
That's why good financial advice isn't about following a formula.
It's about understanding you — where you are now, where you want to go, and building a strategy flexible enough to change as your life does.
Because your financial plan should fit your life.
Not the other way around.

𝗕𝗼𝗼𝗸 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗳𝗶𝗿𝘀𝘁 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁 𝘄𝗶𝘁𝗵 𝘂𝘀:
📌 Melbourne: Call Deepak on 0488 988 399
📌 Sydney: Call Sarah on 0406 735 656
▶️ Or contact us online: www.comfp.com.au/contact-us

Address

3/14 Simla Street
Ringwood, VIC
3132

Telephone

+61488988399

Website

https://www.comfp.com.au/

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