Apprise Harpel Group’s cash flow strategy service is built around clarity, confidence, and long-term sustainability—anchored by their signature one-page life projection model.
This visual tool distills a client’s entire financial journey into a single, easy-to-understand page, mapping:
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Income
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Expenses
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Investments
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Lifestyle goals across time
Scenario Simulation and Strategic Planning
Our advisers use this model to simulate scenarios such as:
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Early retirement
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Aged pension eligibility
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Super contributions
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Estate planning
This helps clients see how decisions today shape outcomes decades ahead. For example, in one strategy:
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A $60,000 super contribution was used to reduce assessable assets and qualify for Centrelink benefits
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A balanced investment portfolio was structured to fund $100,000 in annual living expenses over 19 years with guarantees
The model also accounts for:
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Inflation
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Market volatility
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Income drawdowns
Ensuring clients can adjust their plans as life evolves.
Holistic and Personalised Cash Flow Strategies
Whether supporting a child with weekly therapy costs or planning a business succession, Apprise Harpel Group’s cash flow strategies provide a holistic, transparent, and deeply personalised roadmap to financial certainty.