Case Studies

Thinking outside the box

We are constantly working to deliver advice that will provide our clients with logical and effective strategies to improve their financial position.

These case studies of the advice we have provided highlight the importance of obtaining quality advice.


Case Study 1 - A home for the future

Jane and Philip were finding it difficult to think long term as they were worried about securing their larger family home in the bayside area. They do not have children as yet and both intend to continue working full time for the next three years. They lead busy professional lives and at this point in their lives are happy to remain living in their small two bedroom terrace for the time being.

They have accumulated some good equity in their current property and we suggested they consider purchasing a second property that would ultimately become their family home in say three years time.

They borrowed the maximum possible to cover the purchase price, including costs. This ensured that their tax deductible debt for the new home (as it was to become an investment property) was as high as possible and their non-deductible home loan debt was as low as possible.

This strategy secured their future home at today's prices and enabled them to keep moving forward on other investment strategies such as building their share portfolio. By planning their future beyond their needs today, they have been able to see a clear path forward.

Case study 2 - "Oh, it'll never happen to me".

Most of our new clients have not considered the financial impact of illness or injury. They have young families, home loans or ongoing lifestyle needs and wants. We believe that the foundation of your financial future is to know your financial position and lifestyle is secure.

There is no doubt about it....insurance is boring! However, life can get very interesting when you don't have it!! We are very committed to ensuring this aspect of your financial planning is attended to.

This extract of a letter received from an appreciative client tells the story...

"What's that saying that people who believe themselves to be indestructible declare? Oh, it'll never happen to me!"

Throughout the years I asked myself whether I needed personal insurances. When you are well, it seems a waste of money. However, I knew if a major health scare happened to me, there would be no way I could enjoy life and the necessary medical expertise without financial assistance.

After visiting FuturePlan Partners, I overhauled my investment strategy in both areas of wealth and health. I was advised to take out Trauma insurance to protect my financial position.

Fast forward to one year later ... I found a lump in my breast and a whirlwind of medical tests began. Within 24 hours my world had changed radically. Within a week my challenges compounded - the diagnosis of advanced breast cancer and more surgery. They found cancer had spread extensively to my bones and I was to stop walking immediately.

My immune system was crying out for lots of tender loving care. I couldn't afford the care I needed without the monetary support provided by my critical illness insurances. While I might still have some bad days of pain or exhaustion, I know tomorrow exists. Thank you FuturePlan Partners."

Marie, Melbourne. Vic.


This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular needs and circumstances.