The Money Check-Up Report

The Money Check-up Report reveals your financial strengths, gaps, and opportunities, offering clear information on boosting savings, reducing debt, protecting income, and growing super. It models real-life goals like buying property or retiring, and delivers simple, affordable solutions, backed by expert GPS Coaches and peer comparisons.

Client Profile

The Challenge

Clarke, a busy professional, wanted to secure his family's financial future but felt overwhelmed with limited time. Earning $80,000 annually (his wife earns $75,000), he had a home worth $800,000 with a $400,000 mortgage, $15,000 in savings, and $120,000 in superannuation.

Although on stable ground, Clarke was unsure if he was making the right moves. His mortgage rate seemed high, he wanted to invest more wisely, and he needed better protection for his family. That's when he completed the moneyGPS Money Check-Up; a fast, secure way to get a clear, factual financial health report.

What the Check-Up Revealed

The Money Check-Up provided crucial insights:

The Strategy: Simple Steps to Strengthen Financial Health

1. Salary Sacrifice – Boost Your Super and Save on Tax
By understanding his options, Clarke commenced salary sacrificing $700 per month into his super, to grow his super balance by an additional $470,000 by retirement, leveraging the power of compounding and saving on tax.

2. Savings & Investment – Confidently Grow Your Finances
With $15,000 saved, Clarke worked with his Coach to explore medium-term investment options were available and aligned with his goals and risk profile, ensuring his money was actively growing instead of sitting idle.

3. Investment Property – Build Your Property Portfolio
Thanks to his home equity and healthy cash flow, Clarke began preparing to purchase an investment property. A Property Investment Report guided him through affordability, loan structuring, and tax implications.

The Outcome

Just three months after his Money Check-Up:
- Super Contributions: Automated salary sacrifice is growing his retirement savings.
- Mortgage Savings: Refinancing and budgeting freed up an extra $300/month.
- Investment Growth: Investments are steadily building his holiday fund.
- Property Progress: Started the pre-approval process with a broker and connected with a property advisor.
- Insurance Protection: Reviewed and optimised personal insurance for peace of mind.

Why the Money Check-Up Works

Most Australians don't seek advice because they fear it’s costly or complex. The Money Check-Up changes that:

• Safe & Private: Bank-grade encryption. No personal data sold.

• Trustworthy: No commissions. No product pushing – just unbiased guidance.

• Understandable: Plain language, tailored advice, and support when needed.

• Flexible: Guidance on super, savings, insurance, property, and more.

• Backed by Humans: Real Coaches. Real support. Real impact.

Next Steps: What You Can Do Today

Already completed your Money Check-Up? Open your report, reflect on your goals, and book your free session with a GPS Coach today.

Haven't started yet? Visit moneygps.com.au and complete your Money Check-Up - fast, secure, and affordable.

Remember: Financial confidence starts with clarity. And clarity starts with your first Money Check-Up.

Disclaimers and Warnings:

• The MCU Report does not provide any personal financial product advice, rather it provides you with information on your situation to assist you in making further decisions on your future and where you may benefit from advice.

• The GPS Coach does not provide direct or indirect personal advice, their role is to answer questions in relation to the MCU and taking you through the solutions proposed to enable you to consider what next steps are appropriate for you.

• The sample scenario above is for illustrative purposes only.

• Where general advice is provided, please note that this does not consider any personal circumstances and you must consider if the general advice is appropriate for you, and you may consider seeking personal financial advice.