Successful investing starts with a strong understanding of what you’re trying to achieve and what your financial position is now.  

Birling is committed to working with anyone who understands that their financial success starts with them taking the first step, who is ready to be fiercely focussed and understands the value of good advice.

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We help you make your money work as hard as possible today to secure the future you want tomorrow.

Connecting all the elements with our personal service and bespoke advice, we will support, educate and guide you on everything from investing money through super, SMSFs and investments; to tax minimisation and risk management strategies; planning for the unexpected now and into your later years with personal insurance and aged care plans.

We know how important it is to have a financial plan, because we do it for our own families.

Our team is here at Birling because they love to make it a priority to get to know you and your family and understand your current situation and your goals. Each and every member of our team is aligned to help you create clear strategies with clear actions that you are comfortable with.

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CASH FLOW MANAGEMENT

At the core of any financial plan sits cash-flow, it’s the first thing that you need to get right, and it’s the single most significant contributor to your financial success.

Cash inflow is your lifeblood and comes from sources like your salary, investments, inheritance, windfall, superannuation, and/or a pension. Cash is also crucial because it funds your lifestyle and life goals. Naturally, positive cash flow is preferred, because it means your lifestyle is running smoothly and you are generally less stressed. High positive cash flow is even better and will allow you to make new investments and further grow your portfolio. We love that, right!?! Conversely, there’s negative cash flow: more money paying out than is coming in.

Positive cash flow is driven by two things: organisation and planning.

At Birling we recognise how challenging it is for families to take control of the household cash flow, that's why Birling clients are provided access to a best of breed cashflow tool (B Wealthy) for use in their everyday lives.

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WEALTH MANAGEMENT

Second to Cash Flow, Wealth Management (a Financial Plan) is the next most significant contributor to your financial success.

Everyone's financial situation is unique, personal and often complex. It can be emotional too. From tax, superannuation and investments to property and insurance, it can be overwhelming trying to understand what options best fit with your life stage and personal goals when you are managing it yourself.

At Birling we are here to help you bring together all the attributes of holistic wealth management including, protecting your assets, under one umbrella, with a financial plan. You can grow, manage and protect your wealth, and save time and money under the expert guidance of our advisers.

We deliver more than just guidance, advice and personalised strategies, we deliver peace of mind.

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SUPERANNUATION AND RETIREMENT

When you retire, you will have access to a large sum of money in your superannuation fund, and you need to be confident it will be enough to fund your lifestyle for 20-30 years post-retirement. Managed the right way super can be a very tax effective strategy.

How much will you need in retirement? A good rule of thumb (in addition to owning your own home) is around 15-20 times the salary you would like annually. For example, if you want to live on $80,000 per annum in retirement, you will need around $1,360,000 in retirement savings.

We help you navigate legislative changes, structure assets, and cash flow to set you up so that you can achieve realistic retirement goals and enjoy the best retirement possible and maximise the benefit of your super.

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RISK MANAGEMENT AND INSURANCE PLANNING

While it is not always possible to prevent unwanted events from occurring, there are products that protect individuals and businesses against such losses by compensating them with financial resources at a time when they are most vulnerable.

A professionally tailored risk insurance plan is essential in safeguarding your wealth at all life stages.

At Birling we will work with you to design the appropriate level of cover for you and your family or business; or review your existing plan to help remove some of the financial burden and stress that the permanent or temporary loss of income due to death, accident or illness can cause. We also support you and your family through any claims process.

 

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ESTATE PLANNING

While the primary purpose of your last will and testament is to distribute any property you own in the event of your death, it may also legally specify a number of other provisions, including ensuring your spouse, partner or children receives all your possessions.

Passing on your estate to your intended beneficiaries in accordance with your wishes is an often emotional and complex part of wealth management. There are so many things to consider from tax-effective structures to trusts, wills, and powers of attorney.  By starting the estate planning process now, it ensures your wishes are documented for passing on your wealth, funeral arrangements and any end-of-life care and guardianship arrangements.  Careful planning in this area could save your family hundreds of thousands if not millions of dollars.

At Birling we will support you to work through your plans and document your decisions to ensure peace of mind and refer you to the appropriate legal adviser.

 

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TAX PLANNING

Tax is a complex area whether its buying or selling assets or coming into an inheritance, all these things will have an effect on your tax obligations.  As tax (financial) advisers it is our job to identify areas for improvement when it comes to your investments.

As part of your financial plan, we will take into account your personal taxation position and that of any entities you may own or operate through such as family trusts or companies.

For those clients looking for specific taxation advice, we strongly recommend you speak with a qualified tax agent, or we can make a recommendation to one.

Where your tax obligations are more complex, your Birling financial adviser and accountant will work together collaboratively to ensure all your financial needs are considered and addressed.

Birling will help you optimise your wealth for a secure retirement.

Our Team

Our team are here at Birling because they love to make it a priority to get to
know you and your family and understand your current situation and your goals.

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Mark Malone
Principal Partner

Mark Malone AFP©
Principal Partner

Grad Dip, App Fin, Dip FP

Mark has over 18 years of experience providing personal financial
advice. He believes that at the centre of achieving goals there must be a clearly identified plan including achievable milestones along the way.

He specialises in retirement planning and is passionate about providing peace of mind for pre-retirees and retirees alike. He believes it's imperative to determine as early as possible if there are any shortfalls while also being clear on important retirement issues such as longevity of funds and capacity to spend.

Mark has a Diploma in Financial Planning and a Graduate Diploma in Applied Finance and is currently enrolled in the Masters program. He also holds specialist accreditation in Defined benefit Funds, Self Managed Super Funds, Margin Lending and Geared Investments and Listed Securities.

John Hazell
Principal Partner

John Hazell Principal Partner at Birling
Grad Cert FP, Dip Fin Markets, FAFA©, JP

With a wealth of experience, John specialises in providing tailored
personal financial advice to individuals, SMSFs and other entities. With Banking and Financial Planning industry experience spanning more than 20 years, he is well versed in meeting his client's diverse needs by providing logical and easy to understand advice.

John has a Diploma in Financial Markets, a Diploma and Graduate Certificate in Financial Planning and also holds specialist accreditation in Aged Care, Self-Managed Super Funds, Margin Lending and Geared Investments and Listed Securities. John is currently completing a Masters of Financial Planning. He is member of the Association of Financial Advisers (AFA).

Lisa Leckey
Head of Operation & Financial Advisor

Lisa Leckey Head of Operation & Financial Advisor
Grad Cert FP, SMSF Accreditation, Assoc. FPA©

Lisa has 25 years' experience working in the health sector in a business advising capacity in recent years updating her financial education to pursue the opportunity to work with all walks of life in developing and achieving their financial goals.

Lisa is currently completing a Masters of Financial Planning. Her passion is to educate and support the next generation in achieving their financial goals and provide support to those looking to retire who may have left their run too late.

The key to a successful retirement is not pretending you know what to do with your money but to identify a professional financial adviser you trust to be a part of your life and help you achieve success.

Our Team

Our team are here at Birling because they love to make it a priority to get to
know you and your family and understand your current situation and your goals.

img-1

Mark Malone
Principal Partner

Mark Malone AFP©
Principal Partner

Grad Dip, App Fin, Dip FP

Mark has over 18 years of experience providing personal financial
advice. He believes that at the centre of achieving goals there must be a clearly identified plan including achievable milestones along the way.

He specialises in retirement planning and is passionate about providing peace of mind for pre-retirees and retirees alike. He believes it's imperative to determine as early as possible if there are any shortfalls while also being clear on important retirement issues such as longevity of funds and capacity to spend.

Mark has a Diploma in Financial Planning and a Graduate Diploma in Applied Finance and is currently enrolled in the Masters program. He also holds specialist accreditation in Defined benefit Funds, Self Managed Super Funds, Margin Lending and Geared Investments, Listed Securities and Derivatives.

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John Hazell
Principal Partner

John Hazell Principal Partner at Birling
Grad Cert FP, Dip Fin Markets, FAFA©, JP

With a wealth of experience, John specialises in providing tailored
personal financial advice to individuals, SMSFs and other entities. With Banking and Financial Planning industry experience spanning more than 20 years, he is well versed in meeting his client's diverse needs by providing logical and easy to understand advice.

John has a Diploma in Financial Markets, a Diploma and Graduate Certificate in Financial Planning and also holds specialist accreditation in Aged Care, Self-Managed Super Funds, Margin Lending and Geared Investments, Listed Securities and Derivatives advice. John is currently completing a Masters of Financial Planning. He is member of the Association of Financial Advisers (AFA).

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Lisa Leckey
Head of Operation & Financial Advisor

Lisa Leckey Head of Operation & Financial Advisor
Grad Cert FP, SMSF Accreditation, Assoc. FPA©

Lisa has 25 years' experience working in the health sector in a business advising capacity in recent years updating her financial education to pursue the opportunity to work with all walks of life in developing and achieving their financial goals.

Lisa is currently completing a Masters of Financial Planning. Her passion is to educate and support the next generation in achieving their financial goals and provide support to those looking to retire who may have left their run too late.

The key to a successful retirement is not pretending you know what to do with your money but to identify a professional financial adviser you trust to be a part of your life and help you achieve success.

Birling will help you optimise
your wealth for a secure retirement

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