The Owner-Occupier
Goals & Objectives
Pay off the Mortgage Faster
Reducing debt is a major priority. These clients want to shorten their loan term and minimise interest payments while maintaining financial flexibility.
Start Investing
They’re eager to grow wealth beyond the family home, often seeking to diversify into shares, property, or managed funds but may need guidance on where to begin.
Plan for Children’s Education
Planning ahead for private school fees or university expenses is common, requiring smart savings strategies and investment plans.
Build Wealth
Beyond immediate needs, they aim to create long-term financial growth to support future goals, opportunities, and lifestyle upgrades.
Ensure Financial Security for the Family
Protecting their family’s wellbeing through smart planning, risk management, and ensuring they can weather unexpected financial challenges is a core objective.
Pain Points
Difficulty balancing mortgage repayments with savings and investments.
Rising living costs reducing disposable income.
Managing family expenses while trying to save for future goals.
Uncertainty or lack of knowledge about effective investment strategies and tax-efficient solutions.
Objections
Concern that financial advice will be too costly or not deliver enough value.
Confidence in self-managing finances or relying on advice from peers and online resources.
Hesitation to alter current spending habits or take perceived risks.