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Obsidian Wealth Management

How we help

Financial Freedom Planning

Clarify what you want your finances to support, then plan the steps involved. We consider your income, assets and commitments together to help you make informed choices.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • What would it take to work less, change careers or retire when I choose?
  • Which goals should come first, and what can wait?
  • Am I on track, and what would need to change if I’m not?
  • How do my mortgage, super and investments work together?
  • What would happen to the plan if my income stopped?

How we help

What the advice covers

This is where we bring your goals and your finances into one plan. We start with what you want your money to support, then work out the decisions and steps involved.

  • Goals and priorities. What matters most to you, the timeframes involved and the trade-offs between them.
  • Your current position. Income, spending, debt, super, investments and insurance, taken together.
  • Scenarios. How different choices, such as investing more, repaying debt faster or reducing work, could play out.
  • Milestones. Clear steps and points at which to check progress.
  • Protection. Whether reserves and insurance would hold the plan together if income were interrupted.

How it fits your wider plan

This advice often draws on several services at once, including cash flow, debt, investments, super and protection. We set the overall direction first, then look at each area in the detail it needs. Where tax or estate arrangements are involved, we work with your accountant or lawyer.

Who it suits

  • Professionals and executives who want their growing income to support clear goals
  • Business owners planning for a future less dependent on the business
  • Families with several goals competing for the same resources

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about financial freedom planning

What does financial freedom mean in practice?

It means having the resources to make the choices you want, such as reducing hours, changing careers or retiring. We start by defining what that looks like for you, then plan the steps involved.

Is this the same as retirement planning?

Not quite. Retirement may be one goal, but this advice also covers earlier choices, such as a career break, a move or supporting family, and how they affect the longer-term plan.

Can you tell me the age I can stop working?

We can model scenarios based on your income, spending, assets and assumptions. The results are estimates, not guarantees, and we revisit them as your circumstances and markets change.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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