I help people lead a stress free financial life.I do this by helping families find money they are losing unknowingly and unnecessarily while being more efficient with the financial resources they have. Value & opportunity is unlocked when clients focus on avoiding losses rather than picking winners.5 key areas where everyone can start to reduce stress & avoid losing money without realising it:1) MORTGAGES. More money passes through here voluntarily than any other area of our lives. Getting the right mortgage according to maths and science will help them pay off their home sooner2) TAXES. We all lose money by overpaying taxes both now and into the future. The Australian tax code has over 14,000 pages & most people overpay taxes by thousands of dollars each year because they don’t understand the rules – even if you work with an accountant3) SUPERANNUATION. Using both math & science most people I meet are unaware they are losing money unknowingly because they do not fully optimise strategies to pay less tax and lower current and ongoing fees4) CASH FLOW. Most people lose money by paying school fees and university course fees and holidays the wrong way. You can save a lot of money by on spending lifestyle expenses more efficiently. There is a right & wrong way to pay. Most choose the wrong way because they don’t know5) CAPITAL OUTLAYS. You lose money by paying for big ticket items the wrong way. There is a better way to pay for stuff like cars, weddings, home renovations or nursing home bonds. Access to capital is THE single most important feature of any future plans that greatly assists reducing financial stressFor me it is all about reducing financial stress by putting more money in my clients pockets addressing the above areas to put towards their long-term financial goals.