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Unlocking Your Financial Future

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Key Financial Planning

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.

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Working for your future

Our Key Solutions

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.

Living in Retirement

Living in Retirement

  • Maximising income
  • Social security entitlements
  • Estate planning
Growing Families

Growing Families

  • Personal insurance to protect you and your family
  • Debt reduction super strategies
Planning to retire in the next 10 years

Planning to retire in the next 10 years

  • Accelerating wealth to reach retirement goals
  • Transition to retirement strategies
Wealth accumulators

Wealth Accumulators

  • Strategies to build super savings & assets
  • Tax effective investment planning
  • Salary sacrificing
Aged Care

Aged Care Advice

  • Aged care reforms: new rules
  • Aged care: grandfathered rules
  • Considering your assets & entitlements
  • Financial advice for your situation
Key Financial Planning Service And Solutions

ABOUT Us

The Key to Your Financial Future

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.

Retirement-Planning

Retirement Planning

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.

Key Financial Planning Service And Solutions

Each year at your annual review, we show you visually how your balance is growing and your progress to achieving your retirement goal.
In this hypothetical example 42% of retired savings has been achieved from the total of $851,000.

Build your superannuation

This graph is simply for demonstration purposes and may not reflect the requirements for your own superannuation.

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-Advice

Superannuation Advice

Superannuation is the most tax effective means of creating long term savings for Australians.

Life-Insurance

Life Insurance

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.

Income-Protection

Income Protection

Would you find it difficult to make ends meet without a regular income?

Aged-Care

Aged Care Advice

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

What our clients say about us

Heading into retirement with no idea what to do with our life’s savings, we took the advice and recommendations from a friend and contacted Key Financial Planning. Any skepticism was lost at our first meeting and was replaced with satisfying confidence in their professionalism and dedication. Our finances are now structured to provide for our retirement and our relationship with Key Financial Planning has developed into one of trust and respect through their professionalism, dedication and friendship.
Robert & CherylEngineer
Being a first home buyer, I needed to know exactly what I could afford. Key Financial Planning helped me put together a budget to gather this information. Then once I found my home, they provided support and guidance every step of the way. They offered great advice, answered all of my questions and dealt with all of my concerns. I recommend them highly.
Rosalie Occupational therapist
We were surprised at the investment opportunities and tax strategies available through a structured financial plan. We are now comfortably retired with a trusting relationship with our financial adviser who we consider our friend. The ease of slipping from full time work into retirement through our dealings with Key Financial Planning has given us just cause to recommend their services to several of our friends.
Vic & Di Retired electrician
Key Financial Planning has opened our eyes up to the possibilities for us in investing and have kept communications simple and understandable. If it wasn't for meeting the team at Key Financial Planning our finances and cash flow would not have been structured in a manner that helps to maximize our savings whilst minimizing tax.
Greg & LynneHotel Brokers
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Key Financial Planning Service And Solutions

Our Team

About Our Key Personnel

Key Financial Planning Service And Solutions

Rudi Kristiani

Dip FP, CFP, JP
Certified Financial Planner
ASIC No. 235735
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.
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Key Financial Planning Service And Solutions

Kelly Menzies

Grad Dip FP, JP
Financial Planner
ASIC No. 1250188
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.
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Key Financial Planning Service And Solutions

Michael Spratt

Dip FP, CFP, JP
Certified Financial Planner
ASIC No. 259345
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.
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Key Financial Planning Service And Solutions

Sharon Hamilton

Practice Manager
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…
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Key Financial Planning Service And Solutions

Allison Duck

Personal Assistant
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.
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Key Financial Planning Service And Solutions

Kellie Yates

Paraplanner
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.
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Key Financial Planning Service And Solutions

Julie Keevers

Bookkeeper & Part Time Receptionist
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…
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Key Financial Planning Service And Solutions

Melanie Stevens

Receptionist
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…
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Contact The Key People

Visit Us

Key Financial Planning Pty Limited
Suite 9, The Esplanade Centre
87 King Street (PO Box 1062)
Warners Bay NSW 2282

Send Us a Message

[email protected]
Rudi Kristiani [email protected]
Michael Spratt [email protected]
Kelly Menzies [email protected]

Call Us

02 4965 7696

Key Financial Planning Service And Solutions
© 2022 Key Financial Planning. All Rights Reserved.
Key Financial Planning Service And Solutions
Rudi Kristiani
Dip FP, CFP, JP
Certified Financial Planner
ASIC No. 235735

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.

Key Financial Planning Service And Solutions
Kelly Menzies
Dip FP, CFP, JP
Financial Planner
ASIC No. 1250188

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.

Key Financial Planning Service And Solutions
Michael Spratt
Dip FP, CFP, JP
Certified Financial Planner
ASIC No. 259345

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.

Key Financial Planning Service And Solutions
Sharon Hamilton
Financial Planner

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.

Key Financial Planning Service And Solutions
Allison Duck
Personal Assistant

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.

Key Financial Planning Service And Solutions
Kellie Yates
Paraplanner

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.

Key Financial Planning Service And Solutions
Julie Keevers
Bookkeeper & Part Time Receptionist

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.

Key Financial Planning Service And Solutions
Melanie Stevens
Receptionist

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.

Key Financial Planning Service And Solutions
Suellen Hampshire
Receptionist

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.

Key Financial Planning Service And Solutions
Nathan McDonald
BCom, Dip FP
Paraplanner

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.