Debt isn't inherently bad — but the wrong kind of debt, or too much of it, can undermine everything else you're trying to build. We help you map your debt, prioritise what to pay off, and get there faster than you thought possible.
A mortgage on a property that's growing in value is a very different thing to credit card debt at 20% interest. Part of what we do is help clients distinguish between productive debt — debt that's working for them — and destructive debt that's draining their future wealth.
The goal isn't necessarily to become debt-free as fast as possible. It's to have the right debt at the right cost, structured in the way that best serves your overall financial plan.
One of the most common questions we hear is: "Should I pay off my mortgage faster or put more into super?" The honest answer is: it depends. The right strategy depends on your interest rate, your marginal tax rate, your super balance, and how close you are to retirement.
We model both options and help you find the balance that works best for your situation. Often the answer is a combination — and small adjustments can make a big difference over ten or fifteen years.
Get Your Debt Under ControlA straightforward conversation with Geoff could give you more clarity than years of going it alone. There's no obligation — just honest, practical advice from someone who's been doing this for over two decades.
