Achieving your financial independence starts NOW

At Create and Protect, we are committed to providing a service that puts you and your dreams first. We understand the complexity surrounding the financial decision-making process. We plan, design and implement structures to broaden your options and choices and improve your financial position.

Our finance structure is designed to look at different areas of your situation, to determine if your financials are in order. It is about making sure that all aspects of your finances are in order and working for you – you need to look at the whole picture, not just one or two areas.

We assess your lifestyle, cash flow, employment, mortgage, goals and objectives. We also look into your concerns and fears. We will look at your superannuation, your preferred retirement age, and set up strategies to help you get there easier and safer.

Personal Information

At Create and Protect we offer a range of services from financial planning and accounting to mortgage management and estate planning. We assess your situation and offer a holistic approach to maximise your potential.

Improve Cash Flow

Anybody who is entering the market to invest is thinking of earning a lot of money. However, many people forget the risks involved. One risk is using the money that an investor might need to use on other things in the very near future - for example, a child’s tuition fees or some unforeseen emergencies. Your tailored financial structure allows you to improve your cash flow, allowing you to comfortably hold on to your investment in hard times.


While an income boost is generally welcome, you can be just as broke and in debt whether you are earning $20,000 or $200,000 a year – it depends on how you spend and save your money. Putting some of your good fortune to work through savings and investments, and being mindful of the differences between needs and wants, can help you manage lifestyle inflation before it manages you. We provide you with your own personalised budgeting calculator and provide ongoing service to help you maintain and improve your budget.

Loan Structure

You need to have a loan structure that allows you to pay off your debt as quickly as possible. Having the right structure allows you to save years off your mortgage in order to build equity quicker, reduce risk and reach your goals earlier. Working in conjunction with our mortgage planners, we create strategies that allow you to be in control of your finances and pay off your personal debt years earlier. We give you access to state of the art software that allows you to track how far you’ve got to go on your loan. More importantly, we provide an ongoing service making sure that you are committed to the initial structure.

Market Risks

Interest Rate RiseMovements in interest rates are out of our control. However, we can plan for and budget for these so that you are not left short. Planning is extremely important both initially and throughout the life of a loan. At the beginning we need to ensure we don’t overcommit ourselves and borrow too much. Interest rates are a significant variable that need to be taken into account. Your finance structure needs to allow for interest rate increases and allow for worst-case scenarios.Market SwingsThis includes not only the unknown swings in the market, but also making poor investment choices or relying on bad investment advice. Nothing reduces the purchasing power of a retirement nest egg more efficiently or brutally than a prolonged period of inflation. You need to set up a finance structure that allows you to deal with the ups and downs of the market. Your dedicated Create and Protect financial planner provides ongoing service and reporting on your investments. Your investments are reviewed at least annually or when needed.

Own Risk

We all want to provide the very best for our families, but sometimes accidents or sudden illnesses can get in the way of our plans. Without an income, you and your family's plans for the future could turn into a distant memory. Longevity risk. On average, a healthy 65-year-old will live roughly 20 more years (and many will live 30 more years). Running out of money before the Grim Reaper arrives is a grim prospect indeed. Health care risk. Health care expenses are the biggest financial wild card of retirement. Likewise, declining health is the biggest quality-of-life risk faced by ageing Australians. Accidents, Illness, Death It’s important to have a cost effective back up plan and we will show you how you can maximise your cover without severely impacting your cash flow. We can help you set up a bulletproof structure that takes Own Risk into account.

Risk Profiling

Another reason that might force you to sell lower than your purchase price is fear. Fear that you might lose more of your money when the trend or general movement of the market is down, or simply for fear of the unknown. It’s important to assess your RISK tolerance to make sure your investment structure is in line with your Risk Profile. Using different systems, we will assess your Risk Profile to allow us to make a more informed investment decision.

Maximise Tax Benefits / Utilise your Tax Money

Tax savings can be achieved in two ways - by spending and by investing. The Income Tax Act provides for exemptions or deductions of income based on the payments / expenditure you incur, as well as the savings / investments that you make. Our expert advice is tailored around your income. We allow you to utilise your tax dollars to secure your current financial structure and create future wealth.

Enduring Power Of Attorney / Will and Estate Planning

If you’re in a situation where you can’t make a decision on your own, it’s important to have someone you can trust to make the right decisions on your behalf. It is particularly useful if something happens that leaves you temporarily unable to sign documents, such as a bad accident. The main reason to plan your estate is to make sure that your money and assets are inherited by the people you want to receive them. It’s also important to make sure they attract as little tax as possible.

Superannuation / Self Managed Super Funds

It’s vital to be in full control of your super. Choosing a super fund is a bit like dating. Pick the right fund and you'll be set for a long, happy and comfortable life when you retire. Set your sights on the wrong one and you're in for a world of pain. If you don't choose a super fund when you start a new job, your employer will pay contributions for you into a 'default' fund that they choose, or one that has been identified in an industrial award. Superannuation can have a dramatically positive effect on your long-term savings. The sooner you start, the more you’ll have to fund your retirement. You may even be able to retire early. We will look at maximising your superannuation opportunities for you.


We have a dedicated research team that will research your existing products and compare them with others. We also contact your current product issuer on your behalf and ask them many questions in regards to your current product set up, definition, performance, and costs. We always need to compare products before giving you any advice to make sure you do not lose any of your existing benefits.


We look and how much you’d like to have in retirement to support your lifestyle, and assess what impact your current finance structure has on your retirement.

Annual Review

Reviewing your financial plan at least once a year can help ensure you're on track to reach your short and long-term financial goals.

Educational Workshops

We offer ongoing educational workshops that give you knowledge and power; all of which aim at always putting you in control. Our financial education workshops provide you with a PLAN to roadmap your financial future and give you the direction to choose the best path for YOU and YOUR Life.


Change your life today. Don't gamble on the future, act now,
without delay.


- Simone de Beauvoir