"Robert is 59 years old and single. He earns over $150,000 but still has a mortgage, a car loan and personal debt, and is somewhat exposed to rising interest rates.

Robert has superannuation, but he wanted a clear retirement plan and the freedom to travel. Together, we created a strategy to help him clear his debt before retiring and set up his finances so his retirement income will come from both his super and the Age Pension. We also gave Robert guidance on how to make his savings last, so he can enjoy his travels with peace of mind."

"Patrick is a proud dad with a young family. He earns a solid income and wants his super to work hard for his family’s future. Like many Australians, his super contributions went into the default fund chosen by his employer, which came with basic insurance cover.

As his family grew, that cover was not keeping up with his needs. That’s where Setch Group stepped in. We reviewed and improved his insurance to make sure it matched his changing circumstances. With our know-how in both super-linked and non-super insurance, we help protect our clients’ families and their wealth, giving them peace of mind for the road ahead."

"Costa and Susan have two children and are in their early thirties. They have a mortgage and surplus savings, they are looking for ways to accumulate wealth and want to consider insurance.

They were feeling uncertain about the economic climate and wanted guidance from experienced financial advisers to help them through it. We worked with them to decide whether their surplus capital would be best used to invest in super, pay down their mortgage faster, or explore other investment options. We also looked at their insurance needs, exploring different types of cover and scenarios so they could make confident, well-informed choices."

"Robin and Noa have two young children and are 40 years old. Robin earns close to $90,000 and Noa earns close to $160,000. They have a mortgage and a personal loan, with monthly savings of about $750.

They wanted insurance to protect their income if either of them could not work, but they also wanted to focus on building wealth. We helped them find the right balance between growing their investments and managing the cost of insurance premiums. We also guided them towards smart investment choices and made sure they could take advantage of any government benefits available to them."

"Matthew is 49 years old and has children from a previous relationship. He has a house, a car, a boat and a motorbike but a low super balance. He wants to plan ahead as he wants to retire early, and be able to maintain his lifestyle in retirement with plans to travel.

By working with us, we helped organise his finances so he could use different transition strategies to achieve his goals of travelling and retiring early. With a smart plan in place, he is set to enjoy an income in retirement that’s boosted by the Age Pension, while keeping his super working hard through wise investments."

"Sandra is 52 years old and has recently separated from her partner. Sandra owns a house with a mortgage from a previous relationship, and she owns a property with her recent ex-partner, and is looking for guidance in relation to the financial aspects of the separation and how to manage her investments and superannuation.

By working with us, we have been able to give Sandra strategic advice and put plans in place to strengthen her financial position for the long term. We also show her different scenarios, so she can see how her finances could look over time based on various assumptions, helping her make informed decisions with confidence."

"Thao is in her late twenties, single, and recently bought an apartment, which she currently rents out. She’s keen to grow her wealth with a focus on ESG (environmental, social, and governance) investing. After seeing a friend struggle financially after an accident with no insurance, she also understands the importance of getting cover early, when it’s more affordable.

Working together, we built a portfolio tailored to her risk profile that tracks market performance while including ESG investments, and we explained the potential limitations of ESG investing so she could make informed choices. We also arranged insurance with a level premium, helping her lock in affordability for the long term."

"Peter and Aisha are in their 40s. Peter is in the construction industry but has not been happy with the performance of his superannuation. He notices that many of the large superannuation funds have investments in office buildings and is curious how infrastructure projects will perform financially as interest rates rise and the risks of these assets classes.

Working with us, Peter and Aisha built a portfolio tailored to their comfort level with risk. Today, their super includes a mix of investments like funds traded on the Australian Securities Exchange, commodities, and alternative assets. By being hands-on in shaping their portfolio, they have reached their goals of having investments that are easy to access, transparent, and focused on growth through specialised assets."

"Weng and Karen are 62 years old and 54 years old respectively and have non-dependent children from previous relationships. They have been divorced.

Karen owns her home with only a small mortgage, while Weng has $540,000 in super and an investment property worth $1.2 million with a mortgage. We worked with them to make smart investment decisions with their capital, maximise Weng’s Centrelink entitlements for the Age Pension, and provide estate planning guidance, especially important with children from previous relationships."