First Royal Financial Planning

A Financial plan for every age and stage of life!


20's
Opportunities, Opportunities, Opportunities.
Laying the foundation for financial freedom by implementing and embedding financial habits that include:
  • Preparing a budget.
  • Starting a Savings plan for that car, holiday, home, investment etc.
  • Manage and reduce debt.
  • Protecting your future income - income protection insurance.
  • Protecting you loved ones – Life insurance.
30's
Building wealth for you and your family.
Enjoying life, yet planning for the future.
  • Setting financial goals.
  • Paying down debt.
  • Planning for your children’s education.
  • Investing surplus income.
  • Minimise tax.
  • Adding to your portfolio.
  • Protecting your income and loved ones.
  • Streamline Superannuation.
  • Having a plan for your estate.
40's
Consolidating your wealth during these busy years.
  • Reviewing your budget and financial plan.
  • Managing debts and borrowings.
  • Saving plan for the children’s education and family holidays.
  • Budgeting.
  • Invest surplus income and build on current assets.
  • Reducing tax.
  • Protecting your income and loved ones.
  • Review superannuation.
  • Planning or reviewing your estate plan.

Having and abiding to a financial plan is critical during these busy years.
50's and 60's
Getting ready for financial independence.
As you embark on the final stage of your working life, retirement planning is critical in getting you ready.
  • Setting retirement goals.
  • Understanding how long your retirement funds will last in retirement.
  • Structuring investments to give you the maximum benefit in retirement.
  • Boosting your savings and superannuation.
  • Continue to accumulate wealth tax effectively.
  • Planning for your wealth by ensuring sufficient insurances. (Income replacement and life insurances).
  • Planning for your estate and its distribution (Wills, Power of attorney’s and testamentary trusts)
Retirement
Living the life style you deserved and planned.
As you embark on the final stage of your working life, retirement planning is critical in getting you ready.
  • Entitlement to Centrelink benefits and cards.
  • Budgeting and funding you retirement lifestyle.
  • Planning for one off purchase and holidays.
  • Making sure your retirement savings last.
  • Updating your estate plan.

Need to get your finance ORGANIZED ?


Let us help you to achieve your financial freedom!



First Royal Financial Planning

Financial planning is about sensible management of your money during different ages and stages of life. Whether you are a young professional, busy raising a family, successful professional or looking to retire we can help you. We can help you plan, implement and achieve your financial goals regardless of the age and stage you may find yourself in. Our process is client driven hence our advice and plan is centred on your journey to financial freedom. You are unique and so are your goals and desires.

To review your life stage, evaluate your current financial position and see what potential strategies and opportunities available to you: Call our office on (03) 8774 2843 or contact us for a free initial consultation.

 Financial planning – Advise for every life stage.

From saving for you fist car, holiday or home, to starting a family, to protecting your way of life, to growing your money, to life after work and planning your estate getting expert advice is has never been more assessable.


Savings: SMART goals

  • Be Specific with your goals.
  • Choose goals that are Measurable
  • Are those goals Achievable/Attainable?
  • Set goals that re Realistic
  • Set a Timeframe for your goals.

Starting a family

  • Budgeting and cash flow management.
  • Address debt.
  • Build savings and a future.
  • Protect what you have.
  • Plan for you children’s education & how you want to distribute you wealth.
  • Estate planning

Protecting you way of life

  • Life insurance
  • Total permanent disability
  • Trauma
  • Income protection
  • Estate planning

Growing your money

  • Savings
  • Investing
  • Strategies to get you there
  • Accepting risk = return

Life after work

  • Super
  • Social security
  • Other investments
  • Estate planning
  • Managing risk in retirement
  • Lifestyle reality check

Estate planning

  • Wills
  • Testamentary trust
  • Powers of attorney
  • terms guardian


 Common Questions


What is financial advice?

Financial advice is about planning your lifestyle, building wealth and ensuring your peace of mind.

Planning your lifestyle include but not limited to household budgeting and cash flow.

Building Wealth via Superannuation, investment and tax optimisation.

Ensuring your peace of mind via risk protection strategy, retirement planning and estate planning.

Who could benefit from financial advice?

Financial advice will benefit you regardless of your life stage.

Speak to us if you are looking to:

Acquire or pay off debt.
Saving for something important.
Building Wealth
Planning for retirement



 The financial planning process


  1. Initial discussion – aimed to discuss your needs.

  2. Data collection – aimed to obtain your goals and objectives in the short, medium and long term.

  3. Strategy Discussion meeting – aimed to discuss the strategies best suited to your circumstances and goals.

  4. Plan Delivery – explain strategic recommendations and how it helps you obtain your goals. Upon acceptance of the plan, we will commence the implementation phase.

Why choose First Royal?

All in One

At First Royal, you can pretty much solve all your financial needs in one visit. Not only you can match and compare hundreds of products of over 25 leading Australian banks but also facilitate fully industry qualified financial planning. You can also access accounting and tax advice, finalise your year end tax return or even get your bookkeeping done. We will soon start to establish the real estate arm to manage your rental property too and also with a vision to join the Australia’s builders association to embark property construction.

Quality Service model

At First Royal we thrive in doing things right. We pride ourselves in delivering on time and accomplishment whatever we do. We pride ourselves seeing customers accomplishing life’s many goals through quality sound advice whether it is buying their first home, starting up a business or enjoying their retirement. Customer is our focus and we believe in “growing with the customer” to the future. The advice we provide is fully qualified as per industry norm and we cherish customer satisfaction to compliment our end result.

Award winning company with high social responsibility

First Royal is an award winning company so you can rest assured your solution is above industry standard. First Royal Financial Services, the brokerage arm is one of Australia’s top 100 PLAN’s aggregation. Since 2011, it has won “sales Excellence award” and “Excellence in Finance” in every year after.

First Royal is a company embraces community. It had taken part in many sponsorships,Community service events and supporting local authorities over the years making its pledge towards supporting, continuity and uplifting culture and people

Picture shown main sponsor at SOSEA 15th Equatoria Day and Christmas Celebrations 2015, Noble Park, Victoria


    • Dr Sisira Colombage
    • Senior lecturer, Federation University of Melbourne
       The First Royal Holdings team was extremely diligent and meticulous in detail, explaining mortgages and other financial products clearly & simply. Jehan and the team provided a fantastic service and kick started my savings into an investment that has yielded great results. I have always had good interest rates, as the team negotiates on my behalf at every opportunity. This takes the stress out of the procedure for me and I know that everything is well organised and set up to be as cost effective and simplest way possible. In my experience, First Royal Financial Services consistently provide first class advice not only in mortgage matters but also in legal, accounting and taxation matters, in optimising any available benefits or assistance and in all areas of Financial Planning.  

    • Prem Krupakaran, QLD
    • National Assets Service Manager, Puma Energy
       We moved from renting in Sydney to our own house in Melbourne. The reason we were able to do that is because of Jehan. From our very first call, to taking the keys of our first own house, Jehan managed the entire process. We contacted Jehan to organize the finance, but he clearly understood our situation and went to that extent of helping us in finding and choosing the right property. Jehan was very Professional, knowledgeable and took the stress out of us. We are extremely fortunate to have Jehan in this journey. Very very grateful to Jehan for making our dream come true.  

    • Suranji & Ranil Wijesooriya, VIC
    • Group Financial Controller, Egans Group
       I want to say a huge thank you to Jehan for helping me out to get my first house. I was highly impressed with the level of service and advice he provided. Since, I went for a land and construction package I needed that support very much and Jehan overwhelmingly delivered it without any hesitation. Without any doubt I wouldn’t have received this service if I had approached the Bank directly. Always would recommend anyone to Jehan.  

    • Kim & Luke Mattson, QLD
    • Office Manager
       During the last 12 years, I have invested in a number of properties and dealt with many brokers and bankers. Initially, we were living in Melbourne and then moved to Brisbane. Jehan was introduced to us by a friend, who managed both our property purchases here in Melbourne and Brisbane. Time to time, we have sold and purchased numerous properties with very challenging situations. But Jehan managed everything with ease and care. We have no hesitation in recommending Jehan and his team to anyone who is seeking to acquire property.  
Let us do the shopping around, Contact Us now!

About FIRST ROYAL

First Royal Group is about helping people make better choices with their finances and managing them to achieve better choices to lead a better life. We thrive in customer service and proud to see people could realize their dreams of things that are important to them, whether buying a home, buying a new car, starting up a business, travelling around the world or enjoying life in retirement.

First Royal holdings holds an Australian Credit License: no. 391237 Financial Planning Pty Limited, a fully owned subsidiary of First Royal holdings an Australian Financial Services License: no. 422555.



Disclaimer

The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

*Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories.