We believe everyone should live a life not limited by money

Taking you from ‘stuck’ to money success

The people we help are normally struggling with three main challenges. Can you relate?

  • Struggling with information overload, too many options and too much information
  • Can’t find the right balance between getting ahead with money WHILE living an epic life
  • Time poor and don’t want to waste time ‘spinning your wheels’ without getting results

Pivot Wealth was created to solve these problems. If this sounds like you, check out our video above to learn how to break through.

Pivot_W-structure-diagram

How we get there

Structure

Make it easy to manage your money each day, save more and regularly direct money to strategies such as investing, buying property and paying down debt.

Strategy

Get clear on your goals and targets, understand the pathways that can get you from where you are right now to exactly where you want to be, then break your path down into a clear action plan.

Solutions

Invest to drive reliable, consistent progress over time and grow your assets and income. Importantly here you want to minimise your chance of loss, setbacks, and momentum killing mistakes.

pivot_financial_advice_04

SORT YOUR FINANCIAL SH!T OUT e-book

In this ebook we cover how to get your adult on and sort your financial sh!t out now, making sure your life is fun both now AND in the future.

pivot_financial_advice_33

Get unstuck book download

Download the first chapter of Ben’s Amazon best-selling book, Get Unstuck: Your guide to creating a life not limited by money.

pivot_financial_advice_41

Our Process

Creating a money plan is easy, but building one that ACTUALLY works is a whole other level. Our process is built to put you in the driver’s seat and empower you to make the best money choices for YOU, to do this with TOTAL confidence, and most importantly to get real RESULTS.

What to expect

  • Someone to tell it to you straight. We help you cut through the noise and make smarter money choices
  • A strategy-first approach. Financial products are NOT the focus, but instead what falls off the back of your plan
  • Someone that gets YOU. We know the best money strategies are the ones that put the lifestyle you want to live first
  • A proven framework. We’ve helped hundreds of people get real results, NOT just create pretty financial plans

What we’re not

  • An insto or bank. We’re privately owned and licensed to avoid pressure from the big end of town
  • A one-size-fits-all service. Every person we work with is unique, so your plan needs to be too
  • Someone to add to the confusion. We know money is complicated, so we focus on education so you understand the ‘why’ behind the ‘what’.
  • A silver bullet or solution. There are no get rich quick schemes (that work)

Areas we can help

Planning & Strategy

For too long, financial planning and financial advice have put financial products ahead of strategy. Not us. At Pivot, we focus on building a plan that helps you find the perfect balance between getting ahead with money WHILE you live an epic lifestyle.

We help you set up a clear and easy to follow plan or pathway from where you are today to exactly where you want to be. Then we work with you over time to make sure the plan comes together, so you get results.

We know a financial plan is not the desired outcome or result of a financial planning process, so we put RESULTS at the core of what we do. It’s why our process is a little more involved than most, and it’s also why we’re one of the highest touch advice businesses in Australia. We’re proud to be results driven.

Employer share schemes

If you’re working for a startup or listed company, it’s common to be offered stock by your employer, but the jargon can be super confusing. RSU schemes, ESPP offers, ESS, DDS payments, PAYG installments (urrgghhh) the list goes on. These terms are enough to boggle the mind of even the most detail-focused engineer, let alone the average punter.

And the strategy options can be numerous and complicated. Do you sell, buy more, wait for the long term gain, diversify, or go all in…? Each option has pros and cons, and should be understood so that when you make your choice, you’re confident you’ve make the right one.

Employer share schemes are a MASSIVE opportunity, and if you use them to your advantage, they can set up your future. But you need to know the rules of the game. We can help you maximise your employer share schemes and get smarter with how you manage your share tax, so you can make the most of the money on the table.

Tax

In Australia, we pay a sh!tload of tax. But if you know the rules of the game and how to use them to your advantage, you can cut your tax bill (legally) and keep more of your hard-earned income so you can use it to get ahead.

When we help people invest, buy property, pay down debt, or prepare for their future, we make sure you’re being tax-efficient. This helps you build your money momentum faster so you can get where you want to be sooner.

The tax rules can be super complicated, but we break down the concepts and educate you so that you’re empowered to make tax smart choices with confidence. We’ve also got systems that can make it easier to manage your tax reporting and work with your tax accountant.

Financial project management

We work with all your other professionals such as accountants, mortgage brokers and lawyers to get everyone on the same page, make sure you’re getting looked after, and save you time. We also work as a financial interpreter when needed with these professionals to help you cut through the confusion.

Because we’re across every element of your money strategy, we can identify any gaps or areas you might need help. Then we can make sure the gaps get filled.

If you don’t already have a team of experts in these areas or if there are any gaps, we have an epic network of great professionals we can introduce you to. These businesses are independent of Pivot, but we’ve pre-screened them so you know you’ll get the right support AND great service.

Business owners

We get it. Your business is your baby. And running your own business can open up a bunch of ways to accelerate how quickly you get ahead, but only if you know how to use the rules to your advantage. Growing a business is enough work, and it can be hard to find extra time to focus on your personal financial wellbeing. That’s where we can help.

We help business owners structure things to maximise every opportunity available to them, leverage the rules to (legally) get ahead faster, and make sure the foundations of your personal wealth are rock solid. We also help by working with your other finance professionals to save you a bunch of time along the way.

We’ve seen all the mistakes and know how to help you avoid them, allowing you to get ahead with confidence and reduce stress related to your finances.

Property

Property is an area that can have a HUGE impact on how quickly you get ahead (or how fast you fall behind). We can help you buy property the smart way so you get ahead without overextending yourself and becoming a slave to your mortgage.

We can help you understand property investing so you make better decisions when you buy. By managing risk in your property purchase, you won’t have to make drastic lifestyle sacrifices just to get on the property ladder.

We can also help by guiding you through the property buying process so you’re taking the right steps at the right time and making buying property as simple as possible. As one of the biggest calls you make with your money, it’s important to take some of the emotion and stress out of buying property.

Investments

When you don’t have much experience with investing, it seems super scary. You don’t want to make a dumb decision and lose your hard earned cash, so most people put investing in the too hard basket, do nothing, and miss out on the opportunity to get their savings working harder for them.

We can help you get started with investing on the right foot so you get results and start building your money momentum.

Saving

The way most people manage their spending, saving, and banking is complicated, time consuming, and doesn’t get results. When you’re young and trying to build your assets and investments, how much you spend and save is the area that has the biggest impact on how quickly you get ahead. But it’s not easy…

We can help you make it easy to save, increase your ‘guilt-free’ spending, and save a bunch of time managing your money.

Super

We get it… superannuation is boring and something that your parents need to think about, not you. You can’t touch it for a few decades, so you’ll worry about it when that time comes. If this sounds like you, think again. Making little changes to your super now can make a HUGE difference over the long term. It’s worth your focus.

We can help you get the fundamentals right and set your super up properly so you don’t pay too much or miss out on opportunities to grow your wealth.

Ready to get started?

See how Pivot can help you create a life not limited by money

Get started