Optimise Debt

Debt can be a beautiful wealth creation tool, used as a lever to amplify investment returns. It is a great result when the investment performance is greater than the interest rate.

The created wealth can be used to fund a very enjoyable retirement lifestyle.

“Optimising debt can often save thousands and it isn’t necessarily about simply getting a better interest rate.”

Roger Perrett - Partner

Our Client Results

Peace of Mind

Paula saved thousands by prioritising which loan she should be repaying.

Gain Confidence

Peter was advised on how to manage debt to create wealth and boost his retirement assets.

Create Wealth to Enjoy

Brett and Vanessa halved their after-tax interest rate on their loan, saving $10,000 per month.

Debt Strategy Missteps

Saying this, if the use of debt is not implemented correctly, it can be a significant drag on your wealth. Excess debt can also destroy wealth and can cause large distress.

Common issues with Debt

Strategic Debt Management

Depending on your goals, our Financial Advisors can use our Principles of Debt, to advise on:

5 steps for Optimising debt

While our financial advisors can provide advice on the strategies that include debt, we may refer you to a lending specialist, to obtain specific credit advice.

Consider your risk profile and time frame

For example, it is a challenge obtaining a 30-year loan, if you will retire soon.

Pay back the ‘Bad Debt’ First

Good Debt: where the funds are used for an investment that generates an income.

Use loan features

Using loan features to reduce tax, is an often unknown and underutilised tools.

Obtain a manageable repayment

With a buffer for interest rate increases.

Manage the risks

Such as loss of income, if interest rates increase and when investments fall in value.
Learn More

Peace of Mind

Have peace of mind with complexity removed.

Gain Confidence

Gain confidence with personalised strategies.

Enjoy Life

Create wealth to enjoy.

For A Great Retirement Lifestyle

We Believe

We believe in having great attention-to-detail, so our customers don’t need to.

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One of Partners, Roger Perrett, is recognised as one of the Top 50 Most influential Advisers in Australia by Financial Standard.

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Supported by Centrepoint Alliance with 797 approx. advisors and $64Bn under advice.

Click here for references*

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With over 153 Years’ of combined experience, offering tailored and proven financial solutions.

Download Our Debt Optimisation Methodology

Learn how to use debt as a tool to amplify investment returns and secure a more enjoyable retirement lifestyle.

What Our Clients Say

Merran, 46 - 55 years, Spencer, NSW

Dean is a really honest and knowledgeable person who always explains all of my options thoroughly and clearly. He is always very approachable, interested in understanding and meeting my needs. I’m very…

grateful and privileged to have Dean as my adviser.

Margaret, Alexandria, NSW, 55+

I have found Roger to be an outstanding financial adviser for my needs. He is extremely knowledgeable, efficient and possesses a calm and approachable personality. Always contactable, open , patient…

and proactive in providing excellent advice when required. He follows up with regular reviews and any query (small or other) is always welcomed by him. Roger has no agenda other than to ensure his clients are comfortable with the strategy and if not he has no issue in working to ensure my risk appetite aligns. He is trustworthy and oozes integrity which is rare in the industry and I would so highly recommend him to anyone.

Joe, 56 - 65 years, Castle Hill, NSW

We have been a client of Deans for some years now. During this time, Dean has always provided honest and reliable advice in relation to our superannuation and future investments. Dean is both knowledgeable…

and understanding with his advise and always tailors his advice to the client. He is always available to clarify any queries we have in relation to his advise. We highly recommend Dean as an adviser.

Phil, 56 - 65 years, Narraweena, NSW

Roger has been advising me on my superannuation and retirement income strategies for over 7 years. He takes the time to get to know his clients and their specific needs and provides excellent service and advice

Lisa, 56 - 65 years, Rose Bay, NSW

My husband and I have been clients of Deans for over 20 years and trust his expert opinion explicitly. He is always upfront and honest with us and puts himself in our position to best advise the most suitable..

investments and financial choices. I can’t recommend Dean highly enough, not only is his knowledge extensive and up to date, he’s also a really nice person!

Vanessa, 56 - 65 years, Balgowlah Heights, NSW

Roger has helped us enormously. He restructured our insurances and helped navigate our investments for retirement. I am not financially savvy and he explains things in a way that I understand…

he has incredible communication skills – especially for me as a visual thinker. He is also very proactive and responsive. Highly recommend

Patricia, 65+ years, Hornsby, NSW

Dean has been my financial adviser for 18 years or more. I cannot speak more highly about his courtesy, integrity, his kindness and honesty and clear communication to me. He assisted me when I left work in…

applying for the age pension and now looks after my pension from my superannuation fund. I can call him at any time, and he immediately returns my calls with the explanation of whatever I am enquiring about. I am very happy with the way he has distributed my superannuation into the current portfolio I have. I would wholeheartedly recommend him to any person who was looking for advice on how to manage their financial portfolio.

Vivienne, 65+ years, Leura, NSW

Roger has been my trusted financial adviser since 2018. Roger is very approachable, patient, and really explains in plain English issues I need fuller understanding of. When it comes…

to my interests, whether that be in the area of taxation, or retirement concerns, Roger gives me piece of mind. I would highly recommend him to anyone seeking a financial adviser.

Mark, 56 - 65 years, Balmain, NSW

My wife and I have been clients of Dean’s for many years now. During this time we have found Dean to be very knowledgeable, professional and a good communicator. He provides clear sound advice in all matters…

relating to our financial security all with first class service. Highly recommended.

Jo, 46 - 55 years, Freshwater, NSW

Roger has been our adviser for approximately 5 years and he has been invaluable in providing advice around our investments to ensure we have retained the right mix of cash flow and capital growth…

He has also guided us through upgrading our home and restructuring our debt and investments, as well as providing clear and easy to understand information about our super and how we will need to plan for retirement. I would thoroughly recommend Roger to anyone seeking financial advice.

Kathleen, 56 - 65 years, Bundanoon, NSW

I would highly recommend Dean Fuchs. I have found him to be very personable and knowledgeable. His experience is broad and extensive having worked in the industry for many years. His ability to communicate…

complex information in a way that makes it easier to understand is a strength. He acts with honesty and integrity at all times. And I always feel with Dean that he truly has my best interests at the forefront of his mind.

Paul, 56 - 65 years, Balgowlah Heights, NSW

Roger has helped us with our financial planning for many years. He always communicates the issues very clearly; he is very patient and goes out of his way to ensure that everything is well understood.

Graydon, 65+ years, Narrabeen, NSW

My involvement with Roger in the Finance Industry goes back over 20 years where I have always found him to operate with integrity and a willingness to fully understand…

a client’s requirements and strategy. He listens and does not force an unwanted strategy or unsuitable investment but is willing to offer alternative opportunities to support a client’s goals.”

Terry, 56 - 65 years, Balmain, NSW

Roger was recommended to us by a friend with 15+ years experience of dealing with him. We have used him to help simplify our retirement needs for the past few years…

In this time, we have found him to be personable, honest and knowledgeable – all the requirements needed in a financial adviser. We can highly recommend.

Carmen, Beverly Hills, NSW, 45+

Roger is professional, patient and genuinely listens and cares for my financial planning needs. He is approachable and delivers clear and easy to understand strategies and recommendations…

I am very grateful of Roger’s expertise and advice, and have full confidence that my investments are in very capable hands.

Bruce, Crows Nest NSW, 65+

Roger has been my adviser for over 5 years. His style is to understand my situation and my aims/desires; then he creates strategies accordingly. Along the way he clearly explains complex issues in a simple way…

In addition he frequently makes very worthwhile suggestions. He responds very quickly and has a wealth of knowledge making him ideal to contact for any financial issues. It’s a pleasure to recommend him.

John, Epping, NSW , 65+ years

Archana has been my financial advisor for over twenty years. I was a late starter with my superannuation but with Archana’s good advice and help I was able to acquire…

acquire a satisfactory retirement nest egg by the time I retired in 2017. Since then she has continued to give me sound advice on my pension account. Archana has a very friendly personality and is always available. Over the years he has given me good sound advice and assistance

Robert, Port Macquarie, NSW , 65+ years old

My wife and I have had our finance supported by Archana since we retired many years ago. Archana has always been available when required, helps us with our needs to the point where we are…

that confident in her expertise I cannot remember ever countermanding her advice. Archana works with us in a warm and friendly manner and allows us to enjoy the comfort of knowing our finances are in the best of hands.

David, Kellyville, NSW , 65+ years old

We were introduced to Archana after our previous adviser departed Westpac 8 years ago, she instantly understood our needs and has provided excellent advise and management. The industry has gone through…

significant change, we have remained confident that we have the best partner to help us maintain our quality of life. Archana is always available, reacts quickly and diligent.

Create wealth for you to enjoy

Are you ready to take the first step towards financial independence and a rewarding retirement? Allow us to guide you through the complexities of wealth management with clarity and confidence.