Every client’s situation is different and demands a highly personalised focus to create a financial strategy that suits your needs and expectations.
Key Financial Planning offers a comprehensive strategic financial advice service providing continued support and guidance throughout your financial plan’s progress. At first, we’ll present you with an initial advice offer, then create a detailed financial plan and an ongoing advice offer.
Initial Advice Offer: In the initial stages of preparing a financial plan we work closely with you to gain a deep understanding of your financial position, goals and assumptions, as well as assessing your risk tolerance and investment expectations.
We then tailor a full financial plan and devise strategies to efficiently manage your financial resources, income, capital and debt.
Working for your future
Whatever stage of life you’re at, we can help you improve your financial position. We use our experience and knowledge to make your money work harder for you.
We guide our clients through the financial advice process by creating and protecting wealth, maximising your income, managing debt and cash flow, and estate planning.
We all want to make our own choices in life and afford the quality of lifestyle we desire, especially in our retirement. But how do we make the best decisions to achieve the most from our financial resources? What steps do we take to ensure we reach our desired life goals and dreams?
Working with a professional financial adviser to create a long-term strategic plan is critical to enjoying life’s journey, and achieving the life you want in retirement. Key Financial Planning is a professional advisory firm based in Warners Bay, offering strategic advice in creating and protecting wealth and maximising income opportunities for people at all stages of life.
Planning for your retirement is the key to achieving a rewarding retirement lifestyle.
1. How do you know if you are on the right path to achieving your goals?
2. Are your funds structured in the right way to maximise the many opportunities available to you?
Planned well and managed effectively, we can help you prepare for the retirement lifestyle that you are seeking.
We will analyse your current situation and recommend strategies that will help achieve your retirement goals.
Due to the lower taxation environment in which superannuation operates, your money has the opportunity to compound and grow at a much higher rate than most other investments.
At Key Financial Planning we can analyse your portfolio and manage your superannuation to maximize your growth.
Superannuation is the most tax effective means of creating long term savings for Australians.
Is it important to you to ensure your family remains financially secure if anything happens to you?
Life Insurance provides a lump sum payable upon death or terminal illness.
Life insurance is the foundation in a sound Financial Plan for anyone who has debt or dependants.
We can help you structure an insurance portfolio with the appropriate protection to ensure your family’s financial future.
Your ability to earn an income is the corner stone to your lifestyle and savings. What if this was taken away from you due to sickness or accident?
Most of us insure our house or car but few protect our future earning capacity or consider the devastating effect if it was taken away from you.
We can assist you to protect your income so you have the peace of mind to know that you and your family are provided for.
In some situations the premiums paid for Income Protection may be 100% tax deductible.
Would you find it difficult to make ends meet without a regular income?
Whether you are considering aged care for yourself, a family member, a friend or loved one, it can be a complicated and emotional process.
With the advice of one of our Aged Care Specialist Financial Planners, you will be better placed to make the best decisions about aged care to ensure both physical and financial well being.
Some major decisions are faced by those considering aged care and seeking advice helps to understand the complex financial implications.
Why Choose Us
Rudi is a Financial Planner and founder of Key Financial Planning. He founded the business in 1994 and is a qualified Certified Financial Planner. His passion is retirement planning and ensuring his clients achieve their financial goals.
Outside of the office Rudi is an accomplished guitar player and you can catch him playing around the Newcastle area.
Kelly has worked in the Financial Services industry for the last 15 years. In addition to financial planning, her background includes experience in working with estates and trusts in the fiduciary services and private wealth space. She holds a Bachelor of Education Degree from the Australian Catholic University and a Graduate Diploma in Financial Planning from Finsia. Kelly has been a part of the Key Financial Planning team since April 2013. She enjoys working with clients to educate them on financial matters and make them feel confident about their financial future and what they can achieve.
Michael has been working in the Financial Industry for over 25 years and has been employed as a Financial Planner since 1998. Michael has completed an Associate Diploma in Business (Accounting) and a Diploma of Financial Planning. He is also a qualified Certified Financial Planner. Michael works in all areas of financial planning, specialising in strategy design including wealth accumulation, retirement planning, asset protection, aged care and self managed super funds.
Away from work, Michael is an avid cyclist and has participated in several charity rides over the years, including a ride from Sydney to Melbourne.
Sharon is our Practice Manager and has been with Key Financial Planning for over 15 years. Sharon oversees the day to day operations of the business and enjoys managing the dedicated and motivated team. She is committed to ensuring each client has a positive experience and our high standards are upheld.Given Sharon’s extensive background in client services, she has a wide range of knowledge in all administration areas of financial planning.
When not at the office you might see Sharon walking around lovely Lake Macquarie. Sharon also enjoys visiting her daughters, spending time with family and friends and going away in her caravan.
Allison is the Personal Assistant to our senior adviser Michael Spratt. Allison has worked for Key Financial Planning for 5 years and in the Financial Planning industry for 15 years.
Allison is focused on providing exceptional service to all our clients. She enjoys the various challenges her role provides, in particular developing and streamlining administrative processes to improve organisation and efficiency.
Allison has the following qualifications: Advanced Diploma of Financial Services (Financial Planning), Diploma of Financial Services, Certificate IV in Financial Services, Certificate II in Business (Office Administration), Certificate III in Information Technology, Certificate II in Information Technology.
Away from the office Allison is busy caring for her young family and enjoys supporting her children at their various sporting activities.
Kellie holds a Bachelor of Financial Services from the University of New England and has worked in the industry since graduating in 2016. Kellie uses her technical knowledge to assist the advisors at Key Financial Planning with conducting research and advice preparation.
In her spare time Kellie enjoys being outdoors bushwalking or relaxing at the beach.
Julie is our bookkeeper and parttime receptionist and has been part of the Key Financial Planning team for over four years.
Julie is focused on providing a welcoming friendly atmosphere for our clients as well as ensuring they receive the best possible service and outcome.
Julie has a Certificate IV in Accounting and has had over thirty five years experience in clerical administration and accounts across a wide range of industries.
Outside of work Julie enjoys spending time with her husband and two children. She loves jigsaw puzzles, reading and walking or bike riding some of the great Lake Macquarie tracks.
Melanie is responsible for our reception at Key Financial Planning and providing assistance for a wide range of administrative requirements. Melanie has worked in many customer service roles and enjoys making clients feel welcomed and valued. Melanie holds a diploma in Hospitality and Tourism Management, a Certificate IV in Human Resources and numerous qualifications in Business, Accounts, Administration and WHS.
For fun Melanie enjoys socialising with friends, traveling abroad with her family and exploring the many beautiful areas of Lake Macquarie.
Suellen is responsible for our reception at Key Financial Planning and providing assistance for a wide range of administrative requirements. Suellen has previously been administration manager for a general insurance brokerage and prior to that Suellen was administration officer of a metal fabrication company, responsible for providing administrative and accounting support.
Apart from raising her family Suellen also likes to stay fit and regularly participates in a range of sporting activities including triathlons and running events.
Nathan holds a Bachelor of Commerce majoring in Finance from the University of Newcastle and a Diploma of Financial Planning. Nathan’s experience in the financial planning industry includes work at a Sydney based firm focusing on compliance before moving to his current role as Paraplanner at Key Financial Planning.
Outside of work, Nathan enjoys practicing the guitar and keeping fit with martial arts.