Optimise Your Finances with Effective Cash Flow Planning

 Effective cash flow management is crucial for sustaining and growing your business, ensuring financial stability and enabling strategic investments.

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RECENT AWARDS

Manage Cash Flow, Secure Your Future 

Master Your Finances with Effective Cash Flow Management

By developing personalised budgeting strategies, we help you manage your income and expenses effectively, ensuring financial stability and the ability to achieve your long-term goals.

Peak Wealth Management Inclusions
Personalised Budgeting Strategies

Create customised budgets tailored to your unique financial situation, helping you control operating expenses and maximise savings.

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Income Management

Develop strategies to optimise your income streams and ensure consistent cash flow.

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Expense Tracking

Implement effective expense tracking methods to monitor and manage your spending habits.

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Debt Management

Create plans to manage and reduce debt, improving overall financial health.

CLIENT CASE STUDIES

From where you are now, to where you want to be

Peak Wealth Management

Melinda Sinclair

"Andrew is not only knowledgeable, responsive, and practical in his advice...he is also a great guy. He worked through my finances post my marital separation and upon entering the early stages of a new career, and mapped out a trajectory that made my goals seem possible. 3 Years down the track and I have checked off major goals, and plan to keep going. Would not have had the optimism or courage without getting a solid understanding of what I could do via this process. Thanks Andrew!"

Pamela G.

"A friend recommended Kristian Zuza at Peak Wealth Management and I’m not at all sorry! He managed to put $20,000 dollars into my hands almost immediately, by being able to navigate the tricky superannuation rules. (I was completely oblivious to the opportunity.) Furthermore, he has correctly advised my future path to fully benefit on an inheritance I had received, whilst accommodating time and age-restrictions. Kristian proved to be a prompt responder, was meticulously prepared and did not baulk at paperwork or when clarifying phone calls to the superannuation fund were required. Not the usual stereotypical adviser either: he was smart, young, friendly and fun!"

Joseph Daoud

"I have worked with Kristian (and Andrew) for years now and have referred 6 friends and clients that also work with them on an ongoing basis. I just received another thank you message for the introduction to Kristian this morning. The support, advice and workshop meetings on areas I don't have a lot of experience with are really appreciated! I know that the reason I chose to work with you first was for superannuation advice and life insurances but the technical tax planning conversations are always my favourite."

Maddi Brown

"My partner and I came to Kristian on a referral and we haven’t looked back! Kristian helped set up our financial structure and shortly after we achieved our first goal of buying a home. He is now helping us on our path to wealth accumulation for the future. Would highly recommend his services"

OUR ADVISORS

Hey I'm Andrew, and I'm Kristian

Feeling like you’ve tried to achieve financial freedom without success?

You're not alone. Year on year, we assist individuals and families in improving their financial freedom with our proven planning and advisory services.

No more unnecessarily sacrificing the lifestyle you desire. We take take our the guess work and clearly map out how your choices can predict your future (and your day to day).

We’ll show you how to make your money work harder for you, simplifying complex financial concepts. Financial success is a team effort, not a solo mission, which is why our clients receive award winning advice from us.

ANDREW DEBONO & KRISTIAN ZUZA

Literally life-changing advice

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I’ve been working with Kristian, Andrew and the team from PeakWM since starting at my current company. They are very knowledgeable and extremely helpful at all times. In particular I appreciate the help with my super, cash flow, RSU’s and ESPP’s - having a plan for the tax bill and what to do with the assets really helped. If you are thinking about getting advice I would definitely recommend you speak with the team.
James Feng
James Feng
2. May, 2024.
Kristian and the Peak Wealth Management team have been phenomenal. Kristian is approachable and very knowledgable in the world of insurance and made everything so simple and easy. I have absolutely no hesitation in recommending Kristian and have recommended him to my family and friends who have since had an amazing experience.
Alison Accar
Alison Accar
30. April, 2024.
I’ve been a client of Kristian and the team for over 2 years now. I can easily recommend PeakWM to everyone - since starting I’m clear on what I’m targeting and on track for (I even had the Europe holiday blended into my financial planning). It was all logical from the basics of my bank account structuring, super and my insurance plan … my favourite was when it all tied into the investment workshop I wish I started earlier. Thanks kristian and the team!
Andrew Theo
Andrew Theo
30. April, 2024.
I wouldn’t hesitate to recommend Andrew for financial advice and guidance. He is always available when I reach out and using his expertise he has structured my financial advice to suit my individual circumstances. He puts aside however much time I need to ensure I have confidence in my planning and is always patient and willing to explain things in detail. Andrew’s support, knowledge and experience has made my journey to financial independence possible.
Nikki Dunnet
Nikki Dunnet
26. April, 2024.
I was referred to PeakWM by a colleague, as I wanted to diversify my investment portfolio. Andrew has been outstanding guiding us through this so far, and even has gone above and beyond to help us with setting up our financial foundations to help secure our future. He's always willing to help, explains things clearly and concicely, and is an all round nice guy. Can't recommend Andrew enough, and have already mentioned him to loads of friends and family!
Chris Gulotta
Chris Gulotta
7. February, 2024.
I was referred to Kristian and was so pleased with the help he provided. He made the process so easy and very helpful in explaining all the details. Thank you for all your support.
Sharron Mayo
Sharron Mayo
8. January, 2024.
Andrew is not only knowledgeable, responsive, and practical in his advice...he is also a great guy. He worked through my finances post my marital separation and upon entering the early stages of a new career, and mapped out a trajectory that made my goals seem possible. 3 Years down the track and I have checked off major goals, and plan to keep going. Would not have had the optimism or courage without getting a solid understanding of what I could do via this process. Thanks Andrew!
Melinda Sinclair
Melinda Sinclair
19. October, 2023.
My partner and I came to Kristian on a referral and we haven’t looked back! Kristian helped set up our financial structure and shortly after we achieved our first goal of buying a home. He is now helping us on our path to wealth accumulation for the future. Would highly recommend his services
Maddi Brown
Maddi Brown
15. September, 2023.
Andrew Debono and his team are vey attentive to my personal and professional financial needs, continually supporting me with building wealth and taking me through comprehensive documents and portfolio results. Their onboarding process is second to none.
Alana Chetner
Alana Chetner
10. August, 2023.
I have built a great relationship and trust with Andrew. He's extremely knowledgeable and I couldn't have my finances in safer hands.
Brendan Hackett
Brendan Hackett
7. August, 2023.

What Sets Us Apart

Discover the advantages of working with Peak Wealth Management Financial Advisers.

Peak Wealth Management

Accelerate your success

Holistic, comprehensive and thorough financial plan’s accelerate your personal version of financial success. 

Peak Wealth Management

Build investments strategically

Building Investments in various Asset Classes – asset protection, asset intent, asset tax status are key things we consider.

Peak Wealth Management

Pay less tax (legally)

Minimising your tax bills by structuring your assets in the most efficient way.

Peak Wealth Management

See it and believe it

Tracked, refined, & visual cash management strategy. See your growth and track your goals.

Peak Wealth Management

Know yourself (and your partner)

Understand your good and bad financial habits and what type of person you are. Offset risks and behaviours which might disrupt your financial plan.

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Be on track for your goals & Stay on track

With personalised strategies and ongoing support, you'll achieve and maintain your financial aspirations. We're dedicated to guiding you through every step of your financial journey.

Peak Wealth Management

Frequently Asked Questions

How to Budget and Manage Cash Flow Planning?

We help you track your income and expenses, prioritise your spending, and allocate funds towards savings and investments. Our approach ensures you maintain a balanced budget, avoid unnecessary debt, and achieve financial stability.

Cash Flow Budgets

Cash flow plans are crucial for ensuring financial stability and mitigating disruptions by understanding cash inflows and outflows over shorter periods, typically three to six months. By regularly reviewing and adjusting your cash flow budget, we help you stay on track towards your financial goals.

Why is it Important to Have a Cash Flow Plan (Budget)?

At Peak Wealth Management, we emphasise the importance of business cash flow planning to ensure a proper balance between costs and earnings. Achieving positive cash flow is essential for financial stability, enabling you to meet financial obligations, reinvest, and avoid debt.

What is the Cash Flow Forecast and Budget Process?

First, we assess your current financial situation, including income sources and expenses. Next, we help you set realistic financial goals and create a detailed budget that aligns with these goals. We then create a cash flow statement to help assess your financial situation accurately. We monitor your cash flow regularly, making adjustments as needed to ensure you stay on track.

How to Prepare a Cash Flow Budget for Effective Cash Flow Management?

Preparing a cash flow budget with the help of Peak Wealth Management advisors involves a thorough assessment of your financial situation. Understanding future cash flows is crucial for making strategic financial decisions and ensuring the stability and profitability of your business. Once the budget is created, we review it with you to ensure it aligns with your financial goals. Regular monitoring and adjustments are made to keep the budget relevant and effective.

We're here to help you thrive in your financial journey

Peak Wealth Management will only ever invite you to become a client if we are confident that we can make a lasting impact to your financial freedom and future.

Ask us a question

Want to explore financial advisory solutions but don't know what to expect? Ask Kristian or Andrew our financial advisers a question.

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