Bill and Mary first came to see us in April 2014.  Bill is a gastroenterologist who works mainly in public system (with some private work) and Mary is a doctor.  At the time we met, they had two children, but have since had twins (which was a little unexpected as they had only planned for one more child). 

They also wanted to upgrade their home, educate their children in private schools, provide financially for their extended family, increase their charitable donations and retire comfortably.

Will, a retired accountant and his wife Diane, have been long term clients of Cerulean Wealth Advisers since 2005. Both Will and Diane had ageing parents and in 2011, Diane's mother Lorna, had decided that due to ill health and increasing loss of living independence, that although reluctant, it was time to consider moving into aged care.

Will & Diane, although they knew a little about aged care felt like they had the weight of the world on their shoulders when it came to making decisions about Lorna’s care needs. To help them make an informed decision, and put their minds at ease, they sought our help in better understanding the aged care regime and what it meant in terms of Lorna’s aged care fees and social security entitlements if she decided to keep or sell her home.

Ellen is 76 years old and recently lost her husband to cancer.  When he passed away she suddenly discovered that she’d not only inherited their financial assets, but the responsibility that went with them. 

Things that were always handled by her husband now had to be managed by Ellen and she has been through a baptism of fire of sorts getting her mind around concepts she had very little experience with in the past.  Instinctively she knew there were things that she did not know (that she should know) and this made her anxious.

Mike and Sue, now in their early 50’s, came on as clients with us about 10 years ago. When we met they were strapped for time running a Aged Care businesses whilst balancing the challenge of raising three kids.

Their main objectives was to afford to fund their children’s private school education as well as ensuring their family was adequately protected. They also wanted to continue to grow the business to be in a position to sell it and retire by age 60.

Simon is in his early 50’s and works as a consultant to a large international IT company. Simon was referred to us by a friend (who is also an existing client). Having been to see another adviser who had just tried to sell him large amounts of insurance, Simon wanted see an advisor who would give him some honest and impartial advice.

From our initial conversations it was clear that Simon was time poor due to his work commitments and was in need of some clarity and direction.

In December 2013, Lina and her husband Nick met with us because they felt that although they didn’t have a lot of money, they wanted to understand the position they were in and their options for their future.

Understanding their financial situation was even more pertinent because Nick was recovering from a home injury, which resulted in many, many months of rehabilitation and an initial prognosis that he was unlikely to return to work.