Finance and Debt Management

If you get your debt right, financial security will follow.

That’s why we make debt management a key part of your financial plan. It is one of the first things we look at for all of our clients.

Debt touches most things that we do. Few of us buy homes without taking on a mortgage, and even fewer can afford to make an investment without any debt.

But it is not just this ‘big debt’ that matters. There are other types of debt as well. Who doesn’t have a credit card (or three)? Or a car loan? Or even a HECS debt that needs to be repaid? Managing these debts properly adds significantly to your ‘bottom line.’ When you save money on debt repayments you free yourself up to move forward somewhere else. The money you save can be used to make extra super contributions, to seed an investment, to upgrade your home or just to do something nice like take a holiday or eat out a little more often.

And it is not just a matter of minimising interest. We help you ensure that your loans are structured properly, so that you can optimise everything else that debt touches. This includes things like tax deductibility, asset protection, repayment prioritisation and personal maintenance.

We can also provide credit services to organise home loans, investment loans, reverse mortgages, LRBA loans for SMSFs, credit cards and all other forms of debt. Our credit services are all provided under the authority of a licenced credit provider within the Australian Credit Licencing System.

Mick Steffan

Director and Financial Planner

Mick has been in the financial Industry since 1994 and has been giving financial advice to clients and businesses in Geraldton and the Midwest since 1999.

His advice to clients commenced as an authorised representative of Garvan Financial Planning (MLC) at Norm Jupp Financial Services, followed by the start up of his own business, Lifecare Financial Planning which resulted in a partnership with Dave Moustaka of Lifetime Financial Planning. However, in 2004 Mick returned to Norm Jupp Financial Services as senior adviser and business manager.

Besides giving financial planning advice Mick was also active in advising businesses with business planning, development and support. Some of the Geraldton businesses you may be familiar with are: Sunwest Plumbing, S&R Plumbing and Gas, and Joe Sadowski Financial Planning.

After work, Mick was active in a number of volunteer organisations including the Geraldton Volunteer Sea Rescue (training and support), the Geraldton Windsurfing Club (president and treasurer), the Coronation Windfarm and the workgroups of beautifying Coronation Beach and Point Moore.

Mick Steffan is an authorised representative (243608) of Dover Financial Advisers Pty Ltd (AFSL 307248).

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