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Financial Advisors Rockingham

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About Us

EVERY GOAL NEEDS A PLAN

Building wealth to meet your goals doesn’t happen overnight. It takes expert advice and careful planning, at Growth Financial Planners we offer local financial advice backed by years of experience helping you understand how to get the best out of your financial future.

"Let us turn your current dreams into your future reality"

We can help you:

Understand every aspect of your financial world

With our financial advice and planning, tackling your financial challenges and reaching your goals is made easy and achievable.

Gain a partner who understands the challenges you face

Our financial experts are uniquely positioned to help everyday families overcome whatever life throws at them.

Ensure you have a practical path towards reaching your goals

We help you make smart decisions along the way to ensure your financial dreams will become your future reality.

Make creating your dream financial future achievable

With expert advice just a phone call away, you’ll always have an advisor by your side to make every financial decision easier.

Access advice and planning that puts your best interests first

That means the strategies we recommend will always be focused on helping you reach your goals, whatever they may look like.

Make sure your financial plan adapts as your life changes

We work with you to continually adjust your plan as your situation changes so you’re always on track to reach your goals.

OUR EXPERTISE

At Growth Planners we are a privately owned self-licensed practice. That means we are not affiliated in any way with any external dealer group. Being self-licensed allows us to focus on working with you to develop tailored financial strategies to help you reach your goals and lifestyle aspirations, we are members of the Association of Financial Advisers. Our head office is situated in Mandurah but we provide our services to clients from the Pilbara to Albany, with local support for Rockingham, Mandurah and Fremantle. Our areas of expertise include:

  • Wealth Creation
  • Investment Advice
  • Building Superannuation
  • Retirement Planning
  • GESB Super Specialist
  • Alcoa Retirement Plan Advice
  • Self-managed funds
  • Property investment
  • Estate planning
  • Tax effective strategies
  • Wealth Protection

Frequently Asked Questions

Some questions most frequently enquired by our clients

By law all financial planners must disclose all forms of payment and fees. The cost to you will depend on the complexity of your financial situation and plan. There are various ways to structure fees, and typically at Growth Planners it starts with an initial fee to cover identifying your needs, developing a strategy and implementing the recommendations. Our bundle fees start from $2,000 plus 10% GST.
Learn more about our fees
Constant changes and industry reforms in superannuation, taxation and social security legislation means that even simple decisions can have unforeseen consequences over the long term. This can be particularly so as we move from work into retirement. At Growth Planners we can help you plan for your financial future.
Financial planning is the process of meeting your life goals through the management of your finances. Your life goals may include buying a home, saving for your children’s education or planning for retirement. At Growth Planners our financial planners follow a process that helps you look at where you are now and where you want to be financially. Using this process we help you work out what you need to do now and in the future to reach your goals.
In the Financial Planning space in Australia the words Financial Planner and Financial Advisor are used interchangeably. We mostly refer to our Financial Planners as Financial Advisors because they each have additional financial skills and training. It may seem that when people reference a Financial Consultant vs Financial Planner vs Financial Advisor (or any other financial title), that they’re referencing the same person, and you’re not wrong. But, the person you’re asking may not be entirely correct for your needs either.
So, what is the difference between a Financial Planner vs Financial Advisor?
Basically, any professional that can help you manage your money in some fashion can be considered a financial advisor. A financial planner, on the other hand, is a financial advisor within a specified area of interest such as financial planning.
Financial Planner
If your goal is to create a program to meet long-term financial goals, then you probably want to enlist the services of an experienced, degree qualified financial planner. You can look for a planner that has a speciality in investments, retirement or estate planning.
Financial Advisor
A financial advisor is simply a broad term to describe a professional that can help you manage your money. They may broker the sale and purchase of your stocks, manage investments, and help you create a comprehensive tax or estate plan.
It is important to note that either a Financial Planner or a Financial Adviser are expressions referenced in the Corporations Act, Section 923C. To use these restricted words or expressions whilst providing advice to the public they must be covered by an Australian Financial Services License (AFSL).
Remember, it’s not necessarily the difference between a financial planner vs financial advisor. A financial planner is considered a type of financial advisor that holds specific certifications. And, different financial advisors service different areas of the financial spectrum so make sure you’re prepared to ask questions relating your own financial situation before just picking one.
A budget is a plan that shows you how you can spend your money every month. Making a budget can help you make sure you do not run out of money each month. A budget also will help you save money for your goals or for emergencies.

How do I make a budget?

Write down your expenses. Expenses are what you spend money on. Expenses include:
Bills:
  • bills that are the same each month, like rent
  • bills that might change each month, like utilities
  • bills you pay once or twice a year, like car insurance
Other expenses, like:
  • food
  • gas
  • entertainment
  • clothes
  • school supplies
  • money for family
  • unplanned expenses, like car repairs or medical bills
  • credit card bills
You might have bills that change every month. Look at what you paid for the same month last year. You might need $200 for your gas bill in January, but $30 in July.
Write down how much money you make. This includes your paychecks and any other money you get, like child support.
Subtract your expenses from how much money you make. This number should be more than zero. If it is less than zero, you are spending more money than you make. Look at your budget to see what you do not need or what you could spend less on.
Work out where your money is going in 20 mins, find out more about the MoneySmart budget planner.
MoneySmart Budget Planner
We are GESB superannuation specialists with over 20 years experience helping people like you manage their GESB superannuation.
Lean more about GESB superanuation
Alcoa of Australia Retirement Plan is a complex super fund. Before making a decision that may be irreversible, you should seek financial advice to help you make a fully informed decision. Growth Financial Planners have years of experience helping clients navigate the complexities of the Alcoa of Australia Retirement Plan.
Lean more about Alcoa of Australia Retirement Plan

HOW OUR FINANCIAL PLANNING WORKS

We ensure your are informed and empowered throughout the entire process.

STEP 1

Your Initial Enquiry

Our financial planning process starts with first you asking yourself the vital questions of what it is you want to achieve financially and then making an enquiry.

Feel free to tell us a little bit about your situation, any challenges you experience day to day or merely where’d you like to be.

Upon receiving your enquiry and information, we then move to the next step in the planning process.

Enquire Now

STEP 2

Our First Conversation

Following up from your enquiry one of our helpful staff members will call you to introduce themselves.

To help determine if we can help, you will be asked for a brief snapshot of your current situation. This should include things like your income, superannuation figures, assets, (big or small), and importantly your goals. Feel free to tell us a little bit about your situation, any challenges you experience day to day or merely where you would like to be.

If at this point we can see that we are able to provide you with meaningful solutions and help then we will suggest moving on to the next step in the planning process. This is the first in-person meeting.

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STEP 3

Meet & Greet

This is where the planning process really kicks off. Upon learning more about your situation, a senior financial planner will ensure you feel comfortable enough to discuss financial related matters.

We pride themselves on our ability to listen and hear what you have to say first and foremost, absorbing all important variables beyond just finance.

These are the moments where we begin to break things down and highlight strategies and options that can form part of your overall financial plan to help deliver your goals.

This phase is different for everyone and subsequently, is done in a manner that ensures all factors are covered and included.

It’s here you will see the elaborate and innovative understanding of financial planning we can provide, and will walk away with more knowledge and information about how to best move to the next stage.

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STEP 4

Quantify Your Financial Needs and Objectives

After our research is conducted of your current financial products a further meeting will be held to quantify your financial needs and objectives. This involves the use of the Strategic Lifetime Modelling tool developed over 2 decades ago by the ipac team.

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STEP 5

Develop Your Unique Plan

This is where we begin working on the finer elements of your financial plan. We call upon our extensive years of experience and skill in finance, leveraging all relevant investment avenues and legislative offsets to craft a plan that is both secure and lucrative.

We research, investigate and take all necessary steps to ensure we are minimising risk and optimising growth, formulating a thoroughly tailored financial plan.

We do this over a period of roughly three weeks. Why?

We allocate time for the necessities that are a part of all plans. However, we allow extra time to ensure all decisions made are the best for you and your financial future.

If we have any concerns or feel the need to improve anything, we have enough time execute such, before we present our plan to you. It also allows us to follow up on any extra details we might need.

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STEP 5

We Present Your Plan

After careful examination of all the details we will send you (in a format of your choice) the completed plan before our next face to face meeting. This allows you the time to read and digest the information and be ready with any question you may have at our next meeting.

The plan presentation is where we really come into our own at Growth Planners. We explain all components of our plans in the simplest and most digestible manner. This keeps you informed every step of the way and helps instill a sense of comfort as we elaborate further into your plan and financial strategy.

After the presentation, we’re open ears to any feedback you may have. We’re fortunate enough to boast enough experience to modify where possible to meet your needs and quickly.

At Growth Planners, we’re confident in our ability to propose financial planning that is cutting edge and industry leading.

We understand the sensitivity and importance of your personal finances, and as such provide you with the necessary space and time required to make your decision or the need to make changes.

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STEP 7

If Yes, Full Steam Ahead

If you’re confident in our proposal and want to proceed with the advice we then move toward the preliminary stages of implementation. This takes a bit of time due to the complexities of dealing with trustees and administrators etc.

There’s a bit of paperwork and so forth, all necessary to adhere to the legalities and to make sure everything is checked and double checked. It can take anywhere from 4 to 8 weeks before all the elements of your financial plan are underway.

Where To From Here?

Financial growth and security.

By investing in a financial plan at Growth Planners, you can be confident that all risk mitigation parameters have been endorsed. As your portfolio develops, we will keep in contact to inform you of any adjustments or decisions, as well as opportunities we believe are fitting of your finances.

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WHERE ARE YOU ON YOUR
FINANCIAL JOURNEY?

No matter where you are on your financial journey, we’ll help you grow your wealth to achieve your dream future.

Stage 1

Starting
Out
Starting Out
  • Getting overwhelmed by personal finances?
  • Know you need to set financial goals?
  • Don’t know where to start?
  • Don’t really have a budget?
  • Dream of buying your first home?
  • Need help finding financial direction?

Stage 2

Foundation to
Wealth
Foundation to Wealth
  • Struggling to grow your savings?
  • Wanting to buy your first home?
  • Needing to sort out your super?
  • Want to maximise tax savings?
  • Thinking about starting a family?

Stage 3

Pathway to
Wealth
Pathway to Wealth
  • Wanting to take care of your family?
  • Thinking about investing?
  • Need to manage debt better?
  • Wanting to maximise your super?
  • Want to get serious about your future?
  • Seeking the next step to financial security?

Stage 4

Countdown to
Retirement
Countdown to Retirement
  • Need an expert to show you the right way?
  • Want a balanced retirement lifestyle?
  • Worried about the money you’ll need?
  • Wanting to enjoy retirement?
  • Kids leaving the nest?
  • Feel like you’ve left planning too late?

Stage 5

Retire in
Style
Retire in Style
  • Feel your retirement money won’t last?
  • Wanting to enjoy retirement?
  • Need to make your money stress-free?
  • Want to maximise your tax savings?
  • Wish to pay little or no tax in retirement?

TESTIMONIALS

What everyone else is saying!

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``Really Happy``

“I am really happy and am confident that I made a good choice to change my pension fund from one of the Big Four Banks, (which was not performing) to Growth Financial Planners. Although the Financial Markets are challenging, it’s comforting to know that Andrew and Co are actively involved to keep things moving in the right direction. It’s also very easy to talk with Andrew or Lisa regarding any concerns about the funds, investments or anything else that is bothering me”.

Dave K.

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``Past 5 Years!``

“My wife and I have formally been involved with Andrew McKinlay and his team from “Growth Financial Planners” for the past 5 years. We have always found Andrew to be very motivated, honest, friendly and most knowledgeable in the world of financial planning. Andrew has assisted us and made recommendations to suit our personal needs and objectives. Andrew has presented and implemented strategies to a) Minimise tax b) Allow my wife to keep a part pension c) Ensure we have sufficient income, indexed to CPI, to live relatively comfortable in the foreseeable future in our retirement years. Deb & I are very pleased that we have chosen “Growth Financial Planners” to be our Financial gurus”.

Allan & Deb W.

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``Retired 2 Years Earlier Than Expected``

“We have been clients of Andrew McKinlay for over ten years. We contacted Andrew to help us plan for our retirement. He very thoroughly put together a plan to not only make retirement a reality but also hugely reduced our tax payments whilst increasing our superannuation contributions. We have always found Andrew to be extremely competent and a good listener. He has always tried to implement what is best for us taking into account what we were comfortable with in terms of risk. Andrew has always taken a lot of time explaining the market, our finances and what we needed to do to keep on the pathway best for us. We cannot thank Andrew enough. We are not only retired but achieved this two years earlier than expected. “.

Sue S.

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``Nothing But Encouraging & Helpful``

“Dear Andrew, we met with you recently and I just feel compelled to drop you a line to tell you how much you have changed our lives with our finances. When we walked out of your office, we felt like a weight had been lifted. All the talk about pensions being reduced and how pensioners were going to have to tighten their belts, so to speak, had us feeling a little concerned about a few of our future plans. Ever since we met you, prior to Roy’s retirement, you have been nothing but encouraging and helpful. If any of your prospective clients need reassuring, pleased do not hesitate to pass on our recommendations”.

Janice E.

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``16 Years of Financial Guidance``

“My late husband and I met Andrew as a financial advisor in the Commonwealth Bank some sixteen years ago. We were very happy with the quality of advice so we moved with Andrew to City Group then onto Growth Planners. Andrews’s communication has been clear and easy to understand and has assisted me greatly with Centrelink the Taxation department and legislative changes. As now a single woman I appreciate his financial guidance and his ability to listen, to discuss options and inform me as to my best paths for financial security. For those seeking professional and competent advice I am happy to recommend Andrews services.”.

Nadia C.

NEWS & INSIGHTS