Prudent Asset Management have a dedicated Cashflow Management team - Prudent Cashflow Mentors - which focuses on goals and outcomes.

Controlling your debt and cash flow is at the heart of any Financial Plan. Your future wealth will be determined by your ability to generate excess cash, and how you choose to spend or invest it.

In cash flow management, timing is critical. You must have money available to pay the bills when they come in. If you run out of cash your lifestyle will suffer, and no one needs that kind of pressure.

Prudent Cashflow Mentors enable you to sustain a decent lifestyle today but also keeping one eye on tomorrow. Visit the website www.prudentcashflow.com.au to find out more.

Financial planning is the process of developing strategies to help you manage your financial affairs so you can build your wealth, achieve financial security and enjoy life.

Our experienced qualified planners will help you implement and tailor a financial plan that suits your needs and aspirations.

Planning for retirement is one of life's most important financial considerations. After all, the actions taken today will determine how comfortable life will be in the future.

Superannuation is the most popular way to save for retirement. To put it simply, contributing to your super allows you to put aside money during your working life to use when you retire. With Government reforms, super is one of the most tax-effective long-term retirement savings vehicles available in Australia.

There are many strategies available to help you maximise your retirement savings through super. Whatever your plans are for retirement, we can help you decide on the most appropriate strategy to make your plans for retirement become reality.

The key goal in most financial plans is to be able to retire with the lifestyle you desire. Our planners at Prudent Financial Planning have extensive experience in helping people make the transition from working life to retirement.

An effective way to retire with a comfortable future is via the Government’s ‘Transition to Retirement’ rules. Transition to Retirement pensions can allow you to boost your retirement savings without impacting your after-tax income while you are still working. The benefits are that you could ease into retirement by reducing your working hours without reducing you take home income.

At Prudent we recognise that in most cases, your greatest asset is your ability to earn income, yet surprisingly people continue to neglect this important quality.

A personal risk management strategy should ensure that assets are protected and debts are cleared in the event of the unforeseen death, major accident or major illness of a key financial member of a family or partnership. This entails personal protection insurance. In much the same way as one would insure a home or car, one should insure for the protection of income, accumulated wealth and lifestyle.