Sal Miceli- Aureus Financial

ANOTHER ONE 🔑🔑

[RANT]

This is why I don't watch the news..

"Household debt leaves Australian's Working Longer!"

https://www.abc.net.au/news/2019-10-18/household-debt-leaves-australians-working-longer-spending-less/11608016

"Treasurer wants over 65's to work longer!"

https://www.news.com.au/finance/work/careers/treasurer-wants-over65s-to-work-longer/news-story/7931136429fddfade121f5f5886973a6

I call BS.......

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Just last week, I shared the story of a mid 50's couple, who by retirement would be
- COMPLETELY Debt Free
- Living COMPLETELY on passive income

How did they do it Big Sal??
- By identifying what they wanted retrirement to look like
- Break down what tools they have to get there
- Address the gap early
- Map the plan and stick the course

For people that take action and plan- ANYTHING is achievable.

Whether it be:
- Retirement
- Saving for a holiday
- Buying your first home.

Not sure what the light at the end of the tunnel looks like for yourself?

0424 762 785

ANOTHER WIN BY AUREUS!

Client Goal: “Pay off home by 60, not eat cat food for dinner during retirement”
🥇

Client Situation:

- High income earning executive with 8 years left to desired retirement.

- Already maximising contribution limits to superannuation
- Circa $500,000 left on mortgage.

- Blindly throwing whatever is left at the mortgage, with no idea on how long it is expected to be paid off.

- Worry of not being able to retire until 70+, or be forced to sell beloved the family home.
😦

How Aureus Helped:

- Established a basic personal cash flow structure that established CONSISTENT monthly surplus in the thousands $$- money the client NEVER KNEW they had.

- With clear surplus, set realistic metrics to have their family home PAID IN FULL within 5 years.

- With superannuation completely tapped out, established investments outside of superannuation that could STILL MAXIMIZE retirement savings and MINIMIZE tax.

- Projections estimating retirement savings of $2.3M- which is $700,000 MORE than what clients need for their dream retirement.

- Clients on track to eat STEAKS and LOBSTERS for dinner- not cat food
😸

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It’s crazy to see that:

- The basics of cash flow management

- The cheekiness of a lesser known investment offering

And taking action EARLY----NOT LATER

Can make a difference in the HUNDREDS OF THOUSANDS in retirement.

With only 8 years left till retirement- imagine if this was brought to us sooner!

So don't wait, give me a buzz today 😉

When it comes to food

7PM
“What’s for dinner?”
*Scrolls UberEats*
Pizza, Thai…ooo Mexican looks nice

9PM
*Still scrolling through UberEats undecided*

When it comes to finance

2019
“Where do I start Investing?”
*Scrolls google*
Shares, property…ooo hedge funds?

2025
*Still contemplating what to do*

With so many options available, it’s pretty dam overwhelming on where to even start.
And just like ordering food, I’ve seen too many people:

a) Go hungry and miss the boat of opportunity with investing

b) Make a rash decision and regret it

Need help taking the plunge?

Comment INVEST below for our Investing 101 Cheat Sheet

Or shoot me a PM and let’s get to work

PS: My 6 pack grew as fast as my personal investment strategy- and if you follow my fitness journey- you’re in good hands 😊

[RANT]
Too many people think that you need big bucks to see a financial planner or a wealth coach
You need a massive portfolio
You need multiple investments
You need a 6-figure income

But no matter how much you make
There is one common theme I see in 99% of my client meetings- and it goes something along the lines of this:

“I pay my bills, live my life and save what little I have left”
“My savings goes up and down”
“I should have $x left over each month in my budget- but where did it go?!!?”

Relatable or what?

Download our free ‘Cash management Cheat Sheet’ from our page that guarantee:

You will save first, not last
You will have consistency in the growth of your savings
That $x left over will not magically disappear.

Comment “Savings, where art thou?” and I’ll shoot you a copy

Looking for 10x Professionals who want to start investing, but don't know where to start.

Comment YES below if this is you.

[INTEREST RATE CUTS]

- Awesome for property buyers!
- Fantastic for mortgage holders looking for some breathing space!

SHOCKING for those money in a savings account….

Check out these email I got from my local bank =\

How does TWO, yes TWO consecutive savings rates cuts look to you?

And with inflation at 1.5%, your money is almost doing NOTHING FOR YOU!

zero..
zilch..
zip..

Fact is, there is sooo much more potential for your money to work harder for you

Work harder to:
- Get you to your property goals FASTER
- Build your portfolio FASTER and get it cranking passive income FASTER

Don’t know where to start?
PM me for more details 😉

Client Goal: Make money work harder for us/ buy our dream home

Client Situation:
- High dual income earners with no idea where to start with investments
- Stockpiling cash like crazy with no end goal
- Both working high stress jobs circa 60-80 hours per week with an ambition to escape the grind
- Nonnegotiable of luxury annual holidays of circa $30k per year.

How Aureus Helped:
- Established a simple investment strategy that both MINIMIZED tax and MAXIMIZED net wealth
- Mapped out client 20 year plan (below) INCREASING expecting net wealth by circa $1.7M
- Arranged finance in less than 7 days for a spontaneous home purchase that clients fell in love with
- Set them on track to pay off their home in full WITHIN 9 YEARS
- Be on track to escape their high stress jobs and provide options for turning their love for fitness into a career
- ALL WHILE STILL BEING ABLE TO GO ON LUXURY HOLIDAYS AS A NON-NEGOTIABLE.

Nothing puts a smile on my dial more than being able to help our clients achieve things they never would have thought possible.

And I am on a mission to make do the same for thousands more.

Want yourself to be featured in the next Aureus success story??

Slide into my DM’s and let us help you kick some goals!