Our Value Proposition

PWG helps you realise the life you want to live by providing financial advice that goes beyond a plan. We help you decide on the financial future you want and show you the best way to get there.

How We Work

Our view is that financial choices have to be right for each person and take into account their current situation, where they would like to be in the future and what is realistically achievable. That's why understanding your needs is very important to us.

At our initial meeting with you, we collect all the relevant information and work with you to identify your current financial situation and your goals. We then help define your strategic objectives.

Next we consider and develop a plan of action to address your needs and goals, matching your objectives to the most appropriate strategies.

This is then detailed in a Plan or Statement of Advice (SOA) and the recommendations in the plan explained with an emphasis on ensuring there is a clear understanding of the benefits to you.

Implementation of the Plan is one of the most crucial steps and the need for timely efficiency as financial markets and conditions are constantly changing. Not to mention individual circumstances.

We regularly review the results and your objectives to ensure you remain on track. We believe that any plan is only as good as the ongoing service and attention it receives. Regular reviews are essential to keeping you on track.

Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706