Services
If you’re eager to make the best decisions with your money, then having a financial plan is just what you need.
We generally see four groups of people, each at different stages in life, each with its own unique opportunities and considerations —because, as we grow, our lives change and so do our financial needs and benefits.
Starters
18-34 years
“I want to get my finances on track but I don’t know where to start. I need someone to guide me through the basics.”
Starting out can feel overwhelming, but you don’t have to navigate it alone. Whether you're handling student loans, credit card debt, or dreaming of buying your first home, we're here to guide you. Our straightforward advice on budgeting, saving, and investing will help you lay a solid financial foundation. Allow us to help you take the first steps toward your future with clarity and confidence.
Starters
18-34 years
“I want to get my finances on track but I don’t know where to start. I need someone to guide me through the basics.”
Starting out can feel overwhelming, but you don’t have to navigate it alone. Whether you're handling student loans, credit card debt, or dreaming of buying your first home, we're here to guide you. Our straightforward advice on budgeting, saving, and investing will help you lay a solid financial foundation. Allow us to help you take the first steps toward your future with clarity and confidence.
Starters
18-34 years
“I want to get my finances on track but I don’t know where to start. I need someone to guide me through the basics.”
Starting out can feel overwhelming, but you don’t have to navigate it alone. Whether you're handling student loans, credit card debt, or dreaming of buying your first home, we're here to guide you. Our straightforward advice on budgeting, saving, and investing will help you lay a solid financial foundation. Allow us to help you take the first steps toward your future with clarity and confidence.
Balancers
35-50 years
“I need to make sure we’re covered now and in the future, but it’s hard to know where to allocate our resources.”
Balancing career and family life can be quite the juggling act, especially when you're managing school fees, a mortgage, and planning for future goals. We understand the need to ensure security now while also planning for what’s ahead. Our personalised approach helps you manage cash flow, optimise investments, and make informed decisions so you can confidently provide for your family today and tomorrow.
Balancers
35-50 years
“I need to make sure we’re covered now and in the future, but it’s hard to know where to allocate our resources.”
Balancing career and family life can be quite the juggling act, especially when you're managing school fees, a mortgage, and planning for future goals. We understand the need to ensure security now while also planning for what’s ahead. Our personalised approach helps you manage cash flow, optimise investments, and make informed decisions so you can confidently provide for your family today and tomorrow.
Balancers
35-50 years
“I need to make sure we’re covered now and in the future, but it’s hard to know where to allocate our resources.”
Balancing career and family life can be quite the juggling act, especially when you're managing school fees, a mortgage, and planning for future goals. We understand the need to ensure security now while also planning for what’s ahead. Our personalised approach helps you manage cash flow, optimise investments, and make informed decisions so you can confidently provide for your family today and tomorrow.
Planners
50-65 years
“I’m close to retirement, and I want to make sure I’ve done everything I can to secure our future.”
As you approach retirement, making the most of your savings becomes ever more crucial. With our careful planning and expert advice on superannuation and tax strategies, we help ensure a comfortable and secure future for you. Whether you’re looking to maximise your super or fine-tune your retirement plan, we’re here to provide the guidance you need for peace of mind and a fulfilling retirement.
Planners
50-65 years
“I’m close to retirement, and I want to make sure I’ve done everything I can to secure our future.”
As you approach retirement, making the most of your savings becomes ever more crucial. With our careful planning and expert advice on superannuation and tax strategies, we help ensure a comfortable and secure future for you. Whether you’re looking to maximise your super or fine-tune your retirement plan, we’re here to provide the guidance you need for peace of mind and a fulfilling retirement.
Planners
50-65 years
“I’m close to retirement, and I want to make sure I’ve done everything I can to secure our future.”
As you approach retirement, making the most of your savings becomes ever more crucial. With our careful planning and expert advice on superannuation and tax strategies, we help ensure a comfortable and secure future for you. Whether you’re looking to maximise your super or fine-tune your retirement plan, we’re here to provide the guidance you need for peace of mind and a fulfilling retirement.
Legacy Builders
65+ years
“I want to enjoy my retirement and ensure I can leave something meaningful for my family.”
Retirement is your time to enjoy the fruits of your labor while thoughtfully planning for your family’s future. We offer strategies to help you manage your income streams, reduce investment risks, and ensure that your wealth is preserved for the next generation. Rely on us to help you maintain your financial independence and leave a meaningful legacy for your loved ones.
Legacy Builders
65+ years
“I want to enjoy my retirement and ensure I can leave something meaningful for my family.”
Retirement is your time to enjoy the fruits of your labor while thoughtfully planning for your family’s future. We offer strategies to help you manage your income streams, reduce investment risks, and ensure that your wealth is preserved for the next generation. Rely on us to help you maintain your financial independence and leave a meaningful legacy for your loved ones.
Legacy Builders
65+ years
“I want to enjoy my retirement and ensure I can leave something meaningful for my family.”
Retirement is your time to enjoy the fruits of your labor while thoughtfully planning for your family’s future. We offer strategies to help you manage your income streams, reduce investment risks, and ensure that your wealth is preserved for the next generation. Rely on us to help you maintain your financial independence and leave a meaningful legacy for your loved ones.
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B&W Additions Pty Ltd
11/50 Market St Melbourne, VIC 3000
ABN 29 164 828 880
+61 3 9629 1433
Capstone Financial Planning
L1, 607 Bourke St Melbourne, VIC 3000
ABN 24 093 733 969
AFSL 223135
1300 306 900
© Copyright 2025 B&W Additions Pty Ltd. All rights reserved.
Join our insights community
B&W Additions Pty Ltd
11/50 Market St Melbourne, VIC 3000
ABN 29 164 828 880
+61 3 9629 1433
Capstone Financial Planning
L1, 607 Bourke St Melbourne, VIC 3000
ABN 24 093 733 969
AFSL 223135
1300 306 900
© Copyright 2025 B&W Additions Pty Ltd. All rights reserved.
Join our insights community
B&W Additions Pty Ltd
11/50 Market St Melbourne, VIC 3000
ABN 29 164 828 880
+61 3 9629 1433
Capstone Financial Planning
L1, 607 Bourke St Melbourne, VIC 3000
ABN 24 093 733 969
AFSL 223135
1300 306 900
© Copyright 2025 B&W Additions Pty Ltd. All rights reserved.