We provide you with the discipline, structure and control to help you make the most of your income and spend time doing what you enjoy.
Letting someone into your financial life is one of the most intimidating things that many people do. Over the course of operating Summerhill Financial Services, many of my clients have become friends. I hope I can do the same with you.
I began Summerhill Financial Services out of a desire to use my financial knowledge to help clients realise their potential as individuals, not to just make money. I carefully select my clients to ensure that our goals are aligned.
I invite you to get to know more about my personal and professional background.
Memberships & Achievements
I am a Certified Financial Planner (CFP®), the highest financial planning designation worldwide, and hold the following professional memberships.
I am a member of the Network Financial Planner, an association dedicated to the development of skills in financial planning and the required qualifications in financial advice in Germany.
I have been nominated for several business and finance awards, including the 2012 AFA Female Excellence in Advice Award and the 2009 Telstra Business Awards, and have twice entered the Masterclass for Financial Planning exam, both times being named in the top 50 advisers within Australia. I am often quoted in financial, corporate and business media articles, relating to advisers using technology and appropriate training.
Summerhill Financial Services was set up as a fee-based practice, so it doesn’t accept investment commissions.
You’ll find all our fees fully outlined in our Financial Services Guide. We’ll agree them with you before you become a client of Summerhill Financial Services, so you know exactly what to expect.
How our financial planning works
who uses a financial planner?
Our clients come from all sorts of backgrounds, with all sorts of different aspirations, and a vast range of experience in managing money. Some are very wealthy professionals, some are not; some are excellent at managing their money, some … are not.
However, all of them want expert guidance in building their wealth, and choose to receive financial advice because they have neither the expertise, time nor desire to manage their personal finances themselves. They want to spend their time on pursuits and activities they enjoy, rather than using up their free time trying to keep up-to-date with what they should be doing to make the most of their income and investments.
what do we do?
We provide you with the financial coaching to make the most of your income and wealth. We want you to have the time to do the things you want to do now, as well as making sure you are on track financially to continue to live the life you want to in the future.
Many people get the general idea of what “financial advice” is, but have no detailed understanding of how it all works. Some people have wondered if we set them a budget? Or buy shares for them? Or take over managing their bank accounts? Handle their insurance? And so on.
What we do for every client is what that client wants us to do and what we agree on. So firstly, we want to understand why you want to seek advice, and then our role is keep you on track to make sure you get there.
A Financial Coach
Who uses a financial coach
People use a financial coach for all sorts of different reasons: from “not being good with money” right through to not having the time to plan properly – because it does take time. Some people are surprised that wealthy people who understand money also use a financial coach.
For all, it comes down to wanting to live the life they desire while creating what they want in the future. In much the same way as top athletes have a coach to take them to the next level, that’s exactly what I do for your finances.
It doesn’t mean existing on “bread and dripping” and never going out; it means creating a balance in your plan – and sticking to it. I help you do both. Using a financial coach means you don’t have to stress about money; you can spend your time on things you enjoy, not in trying to keep up-to-date with how to make the most of your income.
How I Help You Succeed
your financial goals & aspirations
Understanding you and your goals is vital in helping me to develop the best financial plan for you.
Below you’ll see a shortened example of some financial goals. This is an extract from a sample Financial Strategy (you can download a full one here as an example), which is one of the first things I do to better understand your financial position. After this, we go through your “personal balance sheet” together, which is your assets and your liabilities. It’s now I have the starting point for tracking your financial progress.
Sample financial goals
Buy a new apartment or renovate your existing apartment at a net changeover cost of €350,000 (over the next two years)
Provide your children with a private school education (€20,000 per child per year over the next 2-16 years)
Enjoy your lifestyle, including travel (ongoing)
Achieve financial independence (€1.3m by age 60)
There are two steps here: covering the basics and then getting the discipline right.
You can see the sample Financial Strategy looks at everything: your cash flow, wealth accumulation, debt management, tax planning, superannuation planning, investment management, risk management, estate planning, insurances and any other issues we need to discuss to make your goals reality. You’ll also see there’s a place for a summary of the next steps.
Under each of those areas is a series of action points, the reasons for those, the status (whether we need to discuss it, you need to find out some extra information, whether it needs to be implemented at a later date, or reviewed as part of another process) and notes from our meeting on those action points.
IT'S ABOUT CONTROL
Here is the part that makes your plan work: discipline.
Take the first action point under “cash flow” for our example clients: “use strong cash flow to build wealth and aim to save €900 per month for future apartment renovation/ changeover”. To make that happen, I might track their cash flow and assess their progress against agreed savings targets.
Moving through the action points in other areas, examples of what I do are:
ensure any debt you have is structured the most effective way for your circumstances and future ambitions
manage your retirement strategy so you have confidence as to whether you can retire when you want to
review your insurance so you and your family are financially protected
ensure your Wills and other estate planning documents, such as Powers of Attorney, are up to date and reflect your needs (I can work with your solicitor here)
provide specific investment recommendations
…and we also handle the administration for all these areas
how do we work together?
Whether we meet face-to-face or online, depends on location, time and what’s convenient for both of us. Online meetings aren’t just for different cities or countries, I often meet with clients online when we’re in the same city to save travel hassles and time.
The number of meetings and how often will depend on many factors, including your goals and your timeline. There is no “one size fits all”; each client is different. Together we will work out the best method, frequency and total number of meetings at the beginning.
like a personal trainer … for your finances
We regularly review your goals together, because these may change as your life changes, so we adjust and update as necessary. We find this also helps you maintain your commitment to meeting your financial goals.