My Home/My Family

Happy FamilyLifestyle Choices:
The concept of "the family" takes many different shapes and the circumstances of home ownership may vary for each person, depending upon how much was borrowed and how much is yet to be paid off, the length of the mortgage and the nature of the loan. Your choices may be to reduce debt and provide security for your family, increase debt to accumulate wealth and take advantage of tax benefits.

Strategy Choices:
The best way to achieve any of these goals is to ensure a solid foundation is set that provides diversity and security. Strategies you may consider are:

Debt reduction (paying off your home loan faster)
Maximising investments (regular investment plans)
Borrowing to buy a new home or refinancing
Risk insurance (e.g. life insurance, income protection and trauma - protecting your lifestyle & independence)
Superannuation (planning for retirement

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