The Tempus Wealth Approach


Our passion is to provide you with financial planning services that will help grow your money faster, manage it better and safeguard it more effectively. It’s worth taking some time to set your goals.

Once the discovery phase is completed, your financial advisor then develops a strategy to make your goals a reality. This strategy is reviewed to ensure you are on track towards your destination.

Regardless of whether you’re looking for help with a single issue – such as personal insurance or a home loan – or a comprehensive financial plan, our approach to strategy remains the same. This process, constantly evolving and growing as your circumstances change, is part of our ongoing commitment to your advice for life.



In a complex and rapidly changing world, you need a professional you can trust.

Tempus Wealth can offer expert advice in the following areas.
Explore the components of our financial planning services.

Want to learn more? Click here for a free consultation to discuss your own personal strategy.


Cash flow management is the backbone of a comprehensive financial plan. A sound cash management program will:

  • Maintain appropriate levels of liquid funds for predictable expenses and emergencies
  • Allocate excess funds to be invested for the longer term.

As part of our comprehensive review of your financial situation we will prepare both a current balance sheet and your cash flow projections.


A Cashflow Strategy helps you to achieve the following:

  • Optimise your debt
  • Maximise your cash flow


Tempus Finance is our specialist loans division. Integrating with your personal strategy, Tempus Finance can help you secure exactly the right loan for your circumstances. We can help you:

  • Get a home loan
  • Reassess your current loan
  • Refinance your existing loan
  • Find a commercial or business loan
  • Consolidate debt and free up equity

Obtaining a loan through Tempus Finance does not end there though. Your loan is reviewed annually, with up-to-date property and area valuations, in addition to detailed loan market comparisons to ensure that you are getting the best rates and products available.


At Tempus Wealth we distinguish between bad debt – simply spending tomorrow’s money today; and good debt – debt that builds wealth and improves your financial position. The sensible and strategic use of debt, and a refocusing from bad to good, is an essential part of our planning services.


It is investments, not income that have the power to really build wealth for the long run. There are four key elements to our investment philosophy:


Determine the best strategy for your needs, including timeframes, milestones and the optimal asset mix.


Connecting the strategy with the most appropriate platform – from low-cost industry style funds to multi-functional wrap accounts


Purchasing quality investments which have been extensively researched by ourselves and the FSP Investment Committee


Regular reviews of your investments to keep up-to-date with global and local market conditions, and the continuing performance of your portfolio


Tempus Wealth will make tax planning an essential component of your overall strategy. Effective tax planning can legally minimise the amount of tax you pay, for example through:

  • Salary sacrificing
  • Co-contributions
  • Tax concessions from your investments through negative gearing


Superannuation is more than just a way to save for your retirement. At Tempus Wealth it is an essential pillar in a broader wealth creation strategy. Tempus Wealth can ensure that your superannuation is in-line with your lifestyle goals, whether it is helping to find lost super, assist with selecting the right structure or advising on asset allocation or investment choice. We can also ensure that your super is integrated with your tax planning. Super may be eligible for the following tax benefits:

  • Personal contributions may attract a tax deduction
  • Contributions made by your employer or under a salary sacrifice arrangement (up to your contributions cap) are taxed at only 15% instead of your marginal tax rate, which could be higher.
  • Investment earnings are taxed at a maximum of 15%, rather than your marginal tax rate which could be up to 46.5%.
  • Capital gains in the super fund are taxed at a maximum rate of 15 per cent, instead of at your marginal rate if the investments are held outside super.
  • Your super benefit can be paid as a tax-free pension or lump sum when you reach 60 and satisfy the criteria to access your funds.


We insure important possessions, like our houses, because their loss could be financially devastating. But what if something happened to you? If you were in an accident or suffered serious illness and couldn’t work, how would you and your family afford your medical bills? How would you cover your mortgage and daily expenses? Personal insurance is about protecting your most important asset – you. Talk to Tempus Wealth about an insurance strategy that works for you.


What age do you want to be when you retire?

What type of lifestyle do you want to lead?

These two important questions are the first steps in planning for your retirement. Many people live well into their 90s, so you need to make sure your retirement income will last the distance. The right advice is about making choices today that will support your future lifestyle. Tempus Wealth can help you take control of your finances and grow your retirement income.


Estate Planning is about protecting your legacy – preparing a plan while you are still alive and well to protect your wealth, your wishes and the interests of your loved ones. While estate planning usually has a financial focus, it will also account for non-financial issues, such as:

  • Who will care for any dependent children if you were to pass away
  • Your choice of medical treatment if you become incapable of making your own decisions

Estate Planning requires legal authority, and Tempus Wealth has a number of associate contacts who can help in this regard. Tempus Wealth can facilitate the legal relationships necessary to ensure your estate plan remains aligned with your overall strategic financial plan.



Dealing with decisions on aged care can be overwhelming, but identifying the key issues and getting the right advice can help give you the clarity you need.  Meeting with one of our aged care specialists, we will explain the costs involved throughout the whole process and provide you with full explanation of all available options, so that you can assess the value before you make any decisions.  We are here to help you take a positive step toward your peace of mind.


Building a business is hard work. The success and growth of your organisation can heavily depend on the knowledge, experience, initiative and personality of one or more essential people. How would your organisation manage with the loss of a keyperson including a business partner? What would happen to the ongoing ownership of your business? There are specific insurances available for such an event. Talk to one of our business insurance specialists to see how you can protect your business and its people.

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