Budgeting & Debt Management

Ensuring that you are able to manage the money that you generate through employment, investment or superannuation pension is vital to achieving your short, medium and long term financial goals. Commonly this includes paying down debt. As we consider the most appropriate way to do this consideration needs to be given to a number of issues including advice relating to:

Building an appropriate cash reserve that can easily be accessed in unexpected financial emergencies. •Developing a budget that is workable, sustainable and includes a degree of flexibility.
Paying down debt by prioritizing debt according to interest rates, tax deductibility of interest and expenses and impact on cashflow.
Using surplus cash to invest to meet your short, medium and long term goals, whether that be for additional loan repayments, children’s education, house deposit, early retirement or assisting adult children or grandchildren financially.
Applying a Risk Profile to the invested surplus cash that takes into consideration the timeline to meet your objectives and your comfort level with different types of investments.
Ensuring that the most appropriate product or vehicle and strategies are used to maximize your ability to build capital.

Our Financial Advisory

Leigh has worked in the financial service industry for over 30 years including periods working with one of the big 4 banks, stockbroking firms, specialist superannuation and financial advisory businesses and as the in‐house financial adviser with accounting firms. While accumulating this experience Leigh has also managed to obtain qualifications in Accounting, Banking and Finance and Financial Planning. Leigh holds the Certified Financial Planning (“CFP”) designation from the Financial Advice Association of Australia and is also a Senior Associate of FINSIA (formerly the Australasian Institute of Banking and Finance). Through his experience and education Leigh has been able to assist many clients and their families to achieve a better understanding of their current financial position, clarify future goals and objectives and recommend strategies and investments that will see them build toward ultimately achieving their
desired outcomes.

Leigh Evans

Financial Advisor

Leigh Evans CFP® Dip FP SAFin
Authorised Representative No. 1243548
Dillon Clyne Private Wealth Pty Ltd ABN 47 165 705 359 A Corporate Authorised Representative No. 449610 of InterPrac Financial Planning Pty Ltd (AFSL 246638)

Email: levans@dillonclyne.com.au

Phone: 03 9696 7878