Comprehensive Financial Planning Services with Fintell Finance

Hana Combe
Aug 11
4 min read

Most Australians want financial security but don’t know where to start. Bills, mortgages, and rising living costs eat away at savings before you even think about retirement or investments.

Fintell Finance’s financial planning services give you a clear plan and tell you exactly how to get there. With over 20 years of experience in Adelaide, we’ve helped thousands of families and businesses organise money, cut debt, and grow wealth with strategies that work.

Why Financial Planning is Essential

Money without a plan vanishes quickly. The Australian Bureau of Statistics reports household debt averages $261,492 per household. Without direction, it only grows. Here’s what proper financial planning does:

Retirement Prep: ASFA’s 2024 benchmark says couples need $69,691 per year for a comfortable lifestyle. That means about $690,000 in super plus a home. Without structured savings and investments, that’s a tough ask.
Cash Flow Control: A simple budget can free hundreds a month. For example, skipping a $6 daily coffee and a $20 Friday lunch equals $2,860 a year saved. Add that into your super fund, and compound growth turns it into over $30,000 in 10 years.
Debt Reduction: Australians pay an average 19.94% interest on credit cards. Rolling high-interest debt into a lower-rate loan can save thousands in extra cost and slash repayment timelines.
Wealth Creation: Investing $500 monthly at 7% average return grows into $60,000 in 8 years. That’s how wealth builds when you stick to the plan.

Financial planning advice gives you confidence and proof your goals are achievable.

Fintell Finance’s Approach to Financial Service Planning

At Fintell Finance, our planning is hands-on and practical. Every client’s financial situation is mapped out so there’s no room for assumption.

Here’s how our process works for you in Adelaide:

1. Budgeting and Cash Flow

We track your spending in real numbers. If you earn $6,500 a month and spend $5,200, we show you how to invest part of that $1,300 surplus into long-term assets.

2. Investments and Super Fund Growth

Super accounts for about 10% of household wealth in Australia. But many super funds underperform. We provide advice to review your fund’s fees, returns, and insurance inclusions. If your fund charges 1% more in fees, you could lose over $100,000 across 30 years.

3. Tax Strategies

Smart timing saves money. Salary sacrificing into super reduces taxable income. A $10,000 salary sacrifice for someone earning $90,000 could save around $3,200 in tax annually. That’s money back in your pocket and into your retirement.

4. Debt Restructure

We’ve seen Adelaide families reduce home loan timelines by 7–10 years by making fortnightly repayments instead of monthly. The interest saved runs into tens of thousands.

5. Insurance and Protection

Life insurance and income protection aren’t “extras.” They’re lifelines. If you earn $80,000 annually, your lifetime earning potential (until age 65) is over $3 million. Insurance protects that future. We compare product providers to make sure you’re not overpaying for the wrong cover.

6. Business and Commercial Finance

For small businesses, cash flow is king. A café owner we worked with in Glenelg upgraded coffee machines using equipment finance, repayments of $320 a month instead of a $12,000 lump sum. That freed capital for staff and marketing without hurting cash flow.

This is financial service planning in action. At Fintell Finance, it is personalised, practical, and measurable.

Why Choose Fintell Finance for Your Financial Planning Needs

We’re not tied to banks or product providers. That means we provide advice based solely on your best interests.

Here’s why our clients in Adelaide trust us:

20+ Years Local Experience: We’ve seen rate hikes, housing booms, and downturns. We know how to steady the ship.
Personalised Guidance: No two clients get the same plan. Your financial adviser builds around your lifestyle, not generic templates.
Women-Led Team: Our leadership team brings detail, care, and accountability to financial matters often overlooked by larger firms.
Practical Results: From cutting $8,000 in annual credit repayments for a family in Norwood, to helping a small logistics firm secure $250,000 in low-doc business finance, we measure success in outcomes, not promises.

Frequently Asked Questions

What is comprehensive financial planning?

Comprehensive financial planning looks at your income, expenses, debt, assets, and insurance together. It ensures budgeting, super fund growth, investment options, and right insurance are tied into one plan for your financial goals.

How can financial planning help me achieve my long-term goals?

It breaks down big goals like retirement or property ownership into steps. A financial adviser provides advice to build super savings, cut down debt, and use investment options so you can hit milestones on time.

What services are included in financial planning with Fintell Finance?

We provide advice on budgeting, tax strategies, debt management, super fund reviews, and wealth creation. Business owners also get specialist advice on commercial loans, equipment finance, and protecting cash flow.

How does financial planning advice differ from general financial education?

Financial education gives you theory, but financial planning advice applies it to your personal situation. A licensed financial adviser works with you directly and provides advice tailored to your best interests.

Do financial services cost extra compared to doing it myself?

Yes, there are fees, but a good plan saves more. For example, a $300 annual fee for a super review could save $2,000 in fees and grow your retirement balance by $50,000 long term. That’s value, not extra cost.

Let’s Get You Funded!

Your financial independence starts with the right financial planning advice. Don’t wait for the next rate hike or crisis to rethink your money.

Call us on +61 422 249 815 or email hana@fintellfinance.com.au for financial planning tailored to your needs. You may also contact us here or message us on WhatsApp. Take charge of your financial future. Let’s make a plan that proves it.