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 income, expenses, investments, and lifestyle goals across time.
Our Advisers use this model to simulate scenarios such as early retirement, aged pension eligibility, super contributions, and estate planning, helping clients see how decisions today shape outcomes decades ahead. For example, in one strategy, a $60,000 super contribution was used to reduce assessable assets and qualify for Centrelink benefits, while a balanced investment portfolio was structured to fund $100,000 in annual living expenses over 19 years with guarantees. The model also accounts for inflation, market volatility, and income drawdowns, ensuring that clients can adjust their plans as life evolves.
Whether supporting a child with weekly therapy costs or planning a business succession, Apprise Harpel Group’s cash flow strategies offer a holistic, transparent, and deeply personalised roadmap to financial certainty.