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# Enrizen |

Private Wealth, Business & Corporate Advisory

## Sitemaps

- [XML Sitemap](https://enrizen.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Buy now...pay later?](https://enrizen.com.au/buy-now-pay-later/) - Meet Savvy Scott the amateur photographer The first thing you should know about Savvy Scott is that he loves to travel. As soon as his annual leave was approved, he was off to the shops to buy a fancy new camera to document his travels (and get maximum likes on Instagram). The camera shop offered
- [How to optimise your investments](https://enrizen.com.au/how-to-optimise-your-investments/) - When it comes to managing your finances, there are two clichés that are worth remembering: You can’t manage what you can’t see. Information is power. Clichés become that way for a reason: people repeat them all the time because they’re right. The only way to make sure you are optimising your returns on your property,
- [Budgeting on an Irregular Income: A Guide for Sole-Trader Contractors and Freelancers](https://enrizen.com.au/budgeting-on-an-irregular-income-a-guide-for-sole-trader-contractors-and-freelancers/) - Budgeting on an irregular income can be challenging. Discover practical tips for sole traders, contractors and freelancers to manage cash flow and plan ahead.
- [The Hidden Cost of Extending Your Mortgage Back to 30 Years](https://enrizen.com.au/the-hidden-cost-of-extending-your-mortgage-back-to-30-years/) - Extending your mortgage back to 30 years can lower repayments, but may cost you more in interest. Learn what to consider before resetting your loan term.
- [Building a Strong Foundation: Avoiding Mortgage Default](https://enrizen.com.au/building-a-strong-foundation-avoiding-mortgage-default/) - When building a home, it's often said that the foundations are the most important part. Their primary purpose is to hold your house up - supporting the structure and preventing it from being affected by uneven ground. Similarly, when purchasing a home and financing it with a mortgage, your financial foundation is just as crucial.
- [2024-25 Federal Budget Recap  ](https://enrizen.com.au/2024-25-federal-budget-recap/) - Summary of the main features of the 2024-25 Federal Budget delivered on Tuesday 14 May 2024…
- [Why Your Borrowing Capacity Can Change Even if Your Income Hasn’t](https://enrizen.com.au/why-your-borrowing-capacity-can-change-even-if-your-income-hasnt/) - Your borrowing capacity can change even when your income doesn’t. Learn how interest rates, debts, expenses and lending policies can affect it.
- [Quarterly Economic Update: April - June 2026](https://enrizen.com.au/quarterly-economic-update-april-june-2026/) - Our Quarterly Economic Update: April - June 2026 explores interest rates, property tax reforms, oil prices, gold and what investors should watch next.
- [Escaping the Subscription Trap](https://enrizen.com.au/escaping-the-subscription-trap/) - Escaping the subscription trap can free up money for your financial goals. Learn how to audit subscriptions and stop unnecessary spending.
- [When Good Money Doesn’t Mean Financial Security](https://enrizen.com.au/when-good-money-doesnt-mean-financial-security/) - When good money doesn't mean financial security. Learn how rising living costs and lifestyle inflation can affect your finances and what you can do.
- [How Many Bank Accounts Should You Really Have?](https://enrizen.com.au/how-many-bank-accounts-should-you-really-have/) - How many bank accounts should you really have? Learn how the right account structure can simplify budgeting, reduce stress and support wealth creation.
- [Cash Flow Budgeting: Why It's About More Than Cutting Costs](https://enrizen.com.au/cash-flow-budgeting-why-its-about-more-than-cutting-costs/) - Learn how cash flow budgeting can help you manage money more effectively, reduce financial stress, and build long-term financial stability.
- [Negative gearing: restricted for established residential property](https://enrizen.com.au/negative-gearing-restricted-for-established-residential-property/) - 2026 Federal Budget Proposal Why it matters: For many investors, cash-flow losses on newly purchased established properties will no longer reduce salary or other income—shifting after-tax outcomes and favouring new supply. Contracts after 12 May 2026 (7:30pm): established residential property purchases fall under the new regime. From 1 July 2027: negative gearing no longer applies
- [Business measures: cash-flow support and reporting changes](https://enrizen.com.au/business-measures-cash-flow-support-and-reporting-changes/) - 2026 Federal Budget Proposal Highlights for business owners and finance teams: Loss carry-back reinstated: companies can offset current losses against prior years and receive refunds. Instant asset write-off: $20,000 threshold made permanent for eligible small businesses. Monthly PAYG option: SMEs can opt into monthly instalments from 1 July 2027. Audit threshold increases: more companies classified
- [R&D and startups: refocused incentives (from July 2028)](https://enrizen.com.au/rd-and-startups-refocused-incentives-from-july-2028/) - 2026 Federal Budget Proposal R&D incentive changes Focus narrowed to core experimental activities Supporting costs removed from eligibility Higher rebate rates for qualifying activity Startup support Early-stage companies can convert early losses into cash refunds Venture capital investment limits expanded CGT impact for founders and employee equity Removal of the CGT discount significantly increases tax
- [Individuals: simpler deductions and targeted cost-of-living relief](https://enrizen.com.au/simpler_deductions_targeted/) - 2026 Federal Budget Proposal What to know: $1,000 standard tax deduction: removes need to track minor work-related expenses. $250 annual tax offset: applies from the 2027–28 income year. Medicare levy thresholds increased: protects low-income earners. Fuel excise reductions: temporary cost-of-living support. If you’d like to understand what the NSW Budget means for you and plan
- [Capital Gains Tax (CGT): Discount replaced with inflation indexation](https://enrizen.com.au/capital-gains-tax-cgt-discount-replaced-with-inflation-indexation/) - 2026 Federal Budget Proposal Why it matters: The reform reduces the ability to achieve very low effective tax rates on capital gains and introduces valuation and record‑keeping requirements around the 1 July 2027 transition. Until 30 June 2027: current 50% CGT discount continues. From 1 July 2027: discount replaced with inflation indexation for most assets. Minimum 30% tax rate
- [Discretionary trusts: 30% minimum tax from 1 July 2028](https://enrizen.com.au/discretionary-trusts-30-minimum-tax-from-1-july-2028/) - 2026 Federal Budget Proposal Why it matters: The measure is designed to improve fairness in the tax system and help fund new tax cuts for workers. It reduces the benefit of income splitting through discretionary trusts and limits some corporate beneficiary strategies. From 1 July 2028, discretionary trusts will pay a minimum 30% tax at
- [Loyalty Tax – Are You Paying More Than You Should?](https://enrizen.com.au/loyalty-tax-are-you-paying-more-than-you-should/) - Discover how loyalty tax could be costing you money on loans, insurance, utilities and subscriptions, and learn ways to reduce expenses.
- [How to Avoid Income Tax Bracket Creep After a Pay Rise](https://enrizen.com.au/how-to-avoid-income-tax-bracket-creep-after-a-pay-rise/) - Learn strategies to avoid income tax bracket creep and make the most of your pay rise in a rising wage environment.
- [Quarterly Economic Update: January - March 2026](https://enrizen.com.au/quarterly-economic-update-january-march-2026/) - Stay informed with our Quarterly Economic Update: January - March 2026, covering interest rates, inflation, oil prices, and cost of living pressures.
- [Living with Higher-for-Longer Interest Rates](https://enrizen.com.au/living-with-higher-for-longer-interest-rates/) - Living with higher-for-longer interest rates in Australia. Learn how to manage your mortgage and make smarter home loan decisions.
- [A Smarter Way to Respond to Super Volatility](https://enrizen.com.au/a-smarter-way-to-respond-to-super-volatility/) - Learn how to respond to super volatility with practical strategies to stay on track with your long-term retirement savings goals.
- [Financial Planning for Digital Nomads and Remote Workers](https://enrizen.com.au/financial-planning-for-digital-nomads-and-remote-workers/) - Financial planning for digital nomads includes tax residency, super, banking, insurance and investing considerations for remote workers.
- [Are Offset Accounts Always the Best Option for Home Loans?](https://enrizen.com.au/are-offset-accounts-the-best-option-for-home-loans/) - Are offset accounts the best option for home loans? Explore the pros, cons and when an offset account may or may not suit you.
- [How Much Cash Should You Hold vs Invest? What’s the Right Mix?](https://enrizen.com.au/how-much-cash-should-you-hold-vs-invest-whats-the-right-mix/) - How much cash should you hold vs invest? Learn how to balance emergency funds and investments to suit your goals and life stage.
- [Quarterly Economic Update: October - December 2025](https://enrizen.com.au/quarterly-economic-update-october-december-2025/) - Quarterly economic update: October - December 2025 covering inflation, interest rates, markets, consumer spending and global events shaping Australia’s outlook.
- [How to Inflation-Proof Your Household Budget in 2026](https://enrizen.com.au/how-to-inflation-proof-your-household-budget-in-2026/) - Learn practical ways to inflation-proof your household budget in 2026, from managing rising costs to building savings buffers with confidence.
- [Your 10-Step Personal Financial Audit Checklist](https://enrizen.com.au/your-10-step-personal-financial-audit-checklist/) - Use this personal financial audit checklist to review your money, set clear goals, and improve your financial position before the year ahead.
- [How to Balance Your Superannuation Investment Settings](https://enrizen.com.au/how-to-balance-your-superannuation-investment-settings/) - Make sure your super works for your goals. Learn how to balance your superannuation investment settings based on your age, risk tolerance & retirement timeline.
- [Help Your Kids Buy a Home Without Risking Retirement](https://enrizen.com.au/help-your-kids-buy-a-home-without-risking-retirement/) - Learn how to help your kids buy a home while keeping your own retirement secure and without putting your long-term finances at risk.
- [The Safer Way to Tap and Pay](https://enrizen.com.au/the-safer-way-to-tap-and-pay/) - Discover the safer way to tap and pay in Australia. Learn how digital wallets and credit cards compare when it comes to payment security and protection.
- [November 2025 Accounting Newsletter](https://enrizen.com.au/october-2025-accounting-newsletter/) - 1. The Race That Stops the Nation… But Not FBT Obligations As Melbourne Cup celebrations come to an end, it’s worth remembering that staff lunches, drinks, and social events may have Fringe Benefits Tax (FBT) implications. Food, beverages, venue hire, and prizes provided to employees or their associates can all fall within the FBT net,
- [Setting SMART Financial Goals That Actually Stick](https://enrizen.com.au/setting-smart-financial-goals-that-actually-stick/) - Learn how to set SMART financial goals that actually stick. Discover how to make your goals SMART - and take confident steps toward lasting financial success.
- [Quarterly Economic Update: July - September 2025](https://enrizen.com.au/quarterly-economic-update-july-september-2025/) - Australia’s economy steadies as inflation cools and rates hold firm. Explore key market insights and what’s next for investors in our Q3 2025 update.
- [Should You Downsize to Boost Your Super – Pros, Cons, and Tax Implications](https://enrizen.com.au/should-you-downsize-to-boost-your-super-pros-cons-and-tax-implications/) - Considering downsizing to boost your super? Explore the pros, cons, and tax implications before making this major financial decision.
- [Debt: The Good, the Bad and the Ugly](https://enrizen.com.au/debt-the-good-the-bad-and-the-ugly/) - Explore how debt can help or harm your financial future. Learn the difference between good and bad debt and how to manage borrowing wisely.
- [Smart Ways to Use Your Tax Refund This Year](https://enrizen.com.au/smart-ways-to-use-your-tax-refund-this-year/) - Discover smart ways to use your tax refund — from reducing debt to boosting super and investments — and build a stronger financial future.
- [Estate Planning for Blended Families - Proceed with Care](https://enrizen.com.au/estate-planning-for-blended-families-proceed-with-care/) - Estate planning in blended families is complex. Tools like Wills, Trusts, and Agreements can protect loved ones, prevent disputes, and honour your wishes.
- [Is Your Financial Strategy Still Working for You?](https://enrizen.com.au/is-your-financial-strategy-still-working-for-you/) - Is it time to review your financial strategy? Discover why regular check-ins can help keep your goals, finances, and plans aligned.
- [The World Is Your Market: Invest Like It](https://enrizen.com.au/the-world-is-your-market-invest-like-it/) - Explore the benefits of global diversification and why investing beyond Australia could strengthen your long-term portfolio.
- [Quarterly Economic Update: April - June 2025](https://enrizen.com.au/quarterly-economic-update-april-june-2025/) - Australia’s economy faced falling inflation, global tension, and shifting tariffs in Q2 2025 - here’s what shaped the quarter and what’s next.
- [Set Your Wealth Goals and Take Action](https://enrizen.com.au/set-your-wealth-goals-and-take-action/) - Explore how to set your wealth goals and take action toward achieving them. From budgeting to professional advice, discover ways to make steady financial progress - on your terms.
- [Super Contributions Explained.. Easily](https://enrizen.com.au/super-contributions-explained-easily/) - Want to make the most of your super before EOFY? This clear guide explains what contributions you're eligible to make based on your age - so you can plan smarter and save more.
- [5 Step Super Health Check](https://enrizen.com.au/5-step-super-health-check/) - Ensure your super is on track with our easy 5 step super health check. From consolidating accounts to reviewing investments and insurance, get your super ready for EOFY!
- [Smart Ways to Build Wealth and Grow Passive Income](https://enrizen.com.au/smart-ways-to-build-wealth-and-grow-passive-income/) - Discover smart ways to build wealth with passive income, compounding returns, and strategic investing for long-term financial growth.
- [2025-26 Australian Federal Budget Overview](https://enrizen.com.au/2025-26-australian-federal-budget-overview/) - Delivered on 25 March 2025, the 2025–26 Federal Budget focuses on cost-of-living relief, modest income tax cuts, and targeted investments in energy, housing, and public services. Small businesses receive automatic energy rebates and can access grants for energy-efficient upgrades, while individuals earning up to $45,000 benefit from lowered income tax rates. Other highlights include increased ATO compliance funding, an expanded “Help to Buy” scheme, and higher superannuation guarantee rates.
- [Strategies to Avoid Lifestyle Inflation](https://enrizen.com.au/strategies-to-avoid-lifestyle-inflation/) - Had a few pay rises lately? You may be at risk of lifestyle creep. Discover 6 effective strategies to avoid lifestyle inflation, stay on track with your goals, and build real financial security.
- [Making the Most of A Market Downturn](https://enrizen.com.au/making-the-most-of-a-market-downturn/) - Market dips can test any investor’s nerves, but sticking to your strategy and long-term goals is key. Discover smart ways to make the most of a market downturn.
- [Starting a Successful Business: Tips, Tools & Support](https://enrizen.com.au/starting-a-successful-business-tips-tools-and-support/) - Ever thought of setting up your own business? Maybe you’ve dreamed of turning a hobby into a side-hustle? A 2022 survey conducted by the National Australia Bank (NAB) revealed that 41% of respondents aspired to owning their own business, but only about 9% took the plunge into entrepreneurship. Some reasons for not going ahead included
- [WAIT! Before You Buy That…](https://enrizen.com.au/wait-before-you-buy-that/) - Every time you spend money, you’re making a choice about your future. Will this purchase bring lasting value to your life, or is it just a fleeting desire? Will it move you closer to financial security, or will it set you back? Modern marketing doesn’t want you to stop and think about these questions. Brands
- [What Happens to My Superannuation If…?](https://enrizen.com.au/what-happens-to-my-superannuation-if/) - The introduction of compulsory superannuation in 1992, embedded the concept of retirement saving into our investment psyche. While Australia’s superannuation scheme has its complexities, the idea is simple: regularly contribute a percentage of earnings to a complying superannuation fund to provide financial support upon retirement. Well, that’s the plan. But what happens if your savings
- [Top 5 Mistakes Business Owners Make When Applying for a Loan](https://enrizen.com.au/top-5-mistakes-business-owners-make-when-applying-for-a-loan/) - Organising a loan for your business can be an important step in fuelling growth or covering unexpected expenses, but many business owners fall into the same traps during the loan application process.To ensure a smoother application and avoid delays or even denial, here’s the top five mistakes you should watch out for - and how
- [The Importance of Financial Literacy for Young Adults](https://enrizen.com.au/the-importance-of-financial-literacy-for-young-adults/) - Facing complex financial decisions, often without adequate knowledge, can be challenging for anyone, but particularly for young people. A recent government study found that 49% of 18-25 year olds lacked the confidence to make financial decisions, while 94% aged 14-17 believed that understanding money-management is crucial. Though schools play an educational role around money in
- [Quarterly Economic Update: October -December 2024](https://enrizen.com.au/quarterly-economic-update-october-december-2024/) - The final quarter of 2024 reflected a mixed economic landscape. While consumer spending and equity markets showed resilience, persistent inflation, cost-of-living pressures and a cooling housing market have tempered optimism. Investments with Interest Rates – Will They Rise or Fall? Inflation in Australia showed signs of easing during the final months of 2024, with the
- [Investing for Income](https://enrizen.com.au/investing-for-income/) - Share markets are renowned for taking unexpected downturns and while history shows that markets eventually recover, this rebound in value can occasionally take time. Investors concerned about this risk might consider a stronger focus on income-generating investments. These can range from those that have no potential to lose capital value to ones with a higher
- [Protect Your Small Business from Unexpected Challenges](https://enrizen.com.au/protect-your-small-business-from-unexpected-challenges/) - Is your business prepared for the unexpected? Learn how succession planning, buy-sell agreements, and keyperson insurance can safeguard your small business from financial strain caused by illness, injury, or loss of key personnel.
- [Eliminating Sneaky Expenses](https://enrizen.com.au/eliminating-sneaky-expenses/) - Are sneaky fees and hidden charges quietly draining your budget? Discover six hidden costs, from service fees to unused app subscriptions, and learn how to save money with practical tips and financial advice.
- [Is Debt Consolidation Right for You? A Checklist for Homeowners](https://enrizen.com.au/is-debt-consolidation-right-for-you-a-checklist-for-homeowners/) - Simplify your finances with debt consolidation. Explore this checklist to see if it’s the right move for you as a homeowner, including options, benefits & risks
- [Stop resting on your (high income earner) laurels!](https://enrizen.com.au/stop-resting-on-your-high-income-earner-laurels/) - Earning a high income doesn't mean you're financially secure. Discover how lifestyle inflation, lack of planning, and unexpected events can undermine your financial future, and learn essential strategies to protect yourself.
- [Inflation vs. Your Savings](https://enrizen.com.au/inflation-vs-your-savings/) - Discover how inflation erodes your savings and why cash might not be as safe as it seems. Learn strategies like diversification and inflation-protected assets to preserve your purchasing power.
- [Quarterly Economic Update: July - September 2024](https://enrizen.com.au/quarterly-economic-update-july-september-2024/) - With steady GDP growth, inflation pressures, and changing household spending, our latest economic update covers the key trends you need to know. Discover what’s shaping the economy and what it means for you.
- [When debt collectors call, know your rights](https://enrizen.com.au/when-debt-collectors-call-know-your-rights/) - Learn your rights when dealing with debt collectors. Get practical tips to manage debt, set up payment plans, and take back control of your financial future.
- [Is FORO ruining your retirement?](https://enrizen.com.au/is-foro-ruining-your-retirement/) - Discover how to overcome FORO (Fear of Running Out) in retirement with a structured financial plan. Learn essential strategies to ensure financial security, enjoy your retirement, and live your best life without worrying about running out of savings.
- [Important Updates to Superannuation Contributions: Key Changes Effective from 1 July 2024](https://enrizen.com.au/important-updates-to-superannuation-contributions-key-changes-effective-from-1-july-2024/) - The law changes in superannuation contributions will affect both employers and employees and where made effective from 1 July 2024. These changes, outlined by the Australian Taxation Office (ATO), are part of the Federal Government's ongoing adjustments to superannuation regulations. Below are the key updates: 1. Increase in Superannuation Guarantee Contribution (SGC) Rate From Stay updated on the latest superannuation changes effective July 1, 2024. Learn about the increase in Superannuation Guarantee Contribution rate, new concessional and non-concessional contribution caps, and the upcoming 'Payday Superannuation'
- [Loud Budgeting: Amplifying your financial awareness](https://enrizen.com.au/loud-budgeting-amplifying-your-financial-awareness/) - Discover how loud budgeting can transform financial habits, turning the task of saving for a home deposit into a shared journey of accountability, celebration, and success.
- [The impact of student loans when buying a home](https://enrizen.com.au/the-impact-of-student-loans-when-buying-a-home/) - Discover how HECS-HELP debt affects home loan applications for young Australians. Learn how to manage student loans while purchasing a home, and explore strategies to improve your borrowing capacity and achieve your home ownership goals.
- [Is your money mindset holding you back?   ](https://enrizen.com.au/is-your-money-mindset-holding-you-back/) - Discover how your money mindset influences your financial success. Learn about abundance vs. scarcity, fixed vs. growth mindsets, and strategies to shift negative beliefs for a healthier financial future.
- [6 Steps to a Happy New Financial Year](https://enrizen.com.au/6-steps-to-a-happy-new-financial-year/) - Transform your financial year with our 6-step guide! From setting SMART goals to estate planning, discover practical tips for achieving financial success. Explore budgeting, savings plans, superannuation, insurance reviews, and estate planning.
- [Your super: A scammer's new target](https://enrizen.com.au/your-super-a-scammers-new-target/) - Scammers are now targeting superannuation account holders with offers of gift cards and electronics to extract personal financial details through cold calls and deceptive 'comparison websites'.
- [Navigating retirement after divorce  ](https://enrizen.com.au/navigating-retirement-after-divorce/) - Navigating the financial complexities of divorce, particularly later in life, is crucial as grey divorce rates rise. Explore the impact on superannuation, asset division intricacies, and post-divorce financial strategies, emphasising the importance of seeking professional advice for rebuilding stability.
- [Quarterly Economic Update: April – June 2024 ](https://enrizen.com.au/quarterly-economic-update-april-june-2024/) - The economy continues to slow, with inflation remaining sticky, the new federal budget making waves, and global events that may have a significant impact. Uncertainty at home and abroad The current outlook indicates uncertainty both domestically and internationally, making it unlikely that inflation will reach the target range of 2-3 per cent in the near
- [5 ways to boost your Super with contributions before EOFY ](https://enrizen.com.au/5-ways-to-boost-your-super-with-contributions-before-eofy/) - Looking to give your superannuation a boost before the end of the financial year? Look no further! Follow these five savvy strategies to maximise your contributions and make the most of your superannuation savings: Consider additional Concessional Contributions (Pre-Tax Contributions) Why? Because these contributions are taxed at just 15%, potentially lowering your taxable income. It's
- [Three-Minute Financial Check-up](https://enrizen.com.au/three-minute-financial-check-up/) - While the standard of living is constantly improving in Australia, economic disruptions, stagnant wage growth and continually increasing house prices are putting more and more people under financial stress. A recent report by the social research group, the Melbourne Institute, ‘Taking the Pulse of the Nation’, found one in three Australians reported being under financial
- [Your roadmap to retiring young](https://enrizen.com.au/your-roadmap-to-retiring-young/) - The dream of retiring young is one that captivates many peoples’ imaginations. The freedom to live life on your own terms, doing what you want, when you want is undeniably appealing, but is it attainable?
- [Charting a course to financial recovery ](https://enrizen.com.au/charting-a-course-to-financial-recovery/) - Auctions are a high-stakes game, a blend of strategy, psychology, and luck. When multiple bidders are after the same property, it can be easy to get caught up in the excitement.
- [Regaining financial control after a scam ](https://enrizen.com.au/regaining-financial-control-after-a-scam/) - A year before retirement, Tess’s superannuation plan was on track, and she was imagining her post-work life. With savings of $34,000 at the bank, she was looking to park it somewhere it could earn better interest while rates were rising. Considering herself reasonably savvy with money, she began investigating her options. After hearing about someone
- [Get ready for June 30 – NOW!](https://enrizen.com.au/get-ready-for-june-30-now/) - Maximise your tax savings and superannuation contributions before June 30 with this handy checklist. Learn about deductions, super contributions, and tips to plan ahead for a financially savvy year-end.
- [5 tips to survive a decline in income](https://enrizen.com.au/5-tips-to-survive-a-decline-in-income/) - Since precautionary measures were heightened to slow the spread of COVID-19, almost 1 million Australians have lost their jobs. According to the Australian Bureau of Statistics, Australia lost 7.5 per cent of its jobs between 14 March and 18 April. If you're one of the many Australians who has lost their job, it's understandable that
- [Fixed rate mortgage expiring... Now what?](https://enrizen.com.au/fixed-rate-mortgage-expiring-now-what/) - They say all good things must come to an end… and that includes your home loan fixed interest rate period. If your fixed rate expiry is coming up...
- [Discovering Your Financial Mindset](https://enrizen.com.au/discovering-your-financial-mindset-the-key-to-unlocking-financial-success/) - In the quest for financial stability and success, we often focus on tangible elements like earning more money, saving diligently, or investing wisely. But have you ever stopped to consider the role your financial mindset plays in achieving your financial goals? Understanding financial mindset Your financial mindset is a set of beliefs and attitudes you
- [Financial Education for a Successful Future](https://enrizen.com.au/financial-education-for-a-successful-future/) - Think back to when you got your first job and that sweet taste of financial independence. Regardless of what age you started working, it's unlikely you knew how to manage that first paycheck. Let's face it; our world isn't particularly adept at teaching financial literacy to the younger generation. I don't know about you, but It's time we change that narrative by sparking open, honest discussions about money and giving our young adults the financial tools they need to flourish.
- [Harvesting financial success](https://enrizen.com.au/harvesting-financial-success/) - Spring is the perfect time to rejuvenate your financial habits as well as your garden!
- [Fortify your Finances - A Recession Survival Guide  ](https://enrizen.com.au/fortify-your-finances-a-recession-survival-guide/) - Unfortunately, recessions are an inevitable part of the economic cycle. And while they can be daunting, understanding their nature and preparing for their impact can make a significant difference in weathering the storm.
- [Building financial resilience](https://enrizen.com.au/building-financial-resilience/) - Resilience is the ability to quickly recover from setbacks, and while setbacks can come in many forms most of them will have a financial component. So what can you do to build financial resilience?
- [Is Worker’s Compensation Enough?](https://enrizen.com.au/is-workers-compensation-enough/) - No matter what kind of job you have, there is always a possibility of falling sick or getting injured. Is Worker's Compensation enough, or do you require Income Protection?
- [Avoid passing bad money habits on to your kids ](https://enrizen.com.au/avoid-passing-bad-money-habits-on-to-your-kids/) - Generally speaking, we Australians are pretty financially savvy, that is, we understand the how and why of effectively managing our money. Unfortunately, that doesn’t mean we’re actually putting that know-how into practise and making astute financial decisions. According to the Australian Bureau of Statistics (ABS), the average Australian household debt has risen by 7.3% (over
- [Five reasons to refinance your home loan](https://enrizen.com.au/five-reasons-to-refinance-your-home-loan/) - Many people regularly make the mistake of selecting a home loan and riding out whatever the original loan terms and its prevailing interest rate dish up. What people may not know is there are several ways you as the borrower can benefit from refinancing your mortgage. 1. Find a lower interest rate. The mortgage market
- [5 ways to benefit from record low interest rates](https://enrizen.com.au/5-ways-to-benefit-from-record-low-interest-rates/) - Interest rates are at their lowest level in years and the forecasts suggest they will continue to drop. With low interest rates comes opportunities, so how can you or your business take advantage of this? Pay off your debt quickly As interest rates fall as you continue to may constant repayments to your debt, you
- [What happens when interest rates increase?](https://enrizen.com.au/what-happens-when-interest-rates-increase/) - It’s hard to imagine taking out a home loan with an interest rate of 17% per annum or higher, yet that was the reality for homebuyers in the late 1980s and early 1990s. And back then it would have been just as hard to imagine home loan interest rates of less than 3% p.a. The
- [Demystifying loan jargon](https://enrizen.com.au/demystifying-loan-jargon/) - Planning to apply for a loan but confused by the myriad of banking jargon? You're not alone. Many people struggle to understand loan terms and the multitude of acronyms used by bankers and mortgage brokers. Although you may seek advice from an expert, having a basic understanding of these terms will ensure increased confidence before
- [The effect of rising inflation](https://enrizen.com.au/the-effect-of-rising-inflation/) - The word ‘inflation’ doesn’t only dominate business news headlines, but finds its way into general news reports too. So, what is inflation and how does it affect you? In simple terms, inflation signifies a rise in the price of goods and services, meaning you pay for more for every purchase you make. Does the US
- [How to create a Debt Repayment Plan](https://enrizen.com.au/how-to-create-a-debt-repayment-plan/) - Learn how to create a debt repayment plan to ease the burden of overwhelming debt. Discover tips for prioritising high-interest debt and automating payments.
- [Adult kids still at home?](https://enrizen.com.au/adult-kids-still-at-home/) - Remember a time when kids couldn’t wait to leave home so they could have their own place and be independent. Those days are definitely over with one and half million adult children now preferring to continue living with Mum and Dad well into their late twenties (and sometimes older!). Latest census statistics available reveal that
- [Improve your chances of getting a home loan](https://enrizen.com.au/how-to-improve-your-chances-of-getting-a-home-loan/) - Scrutiny over lending behaviours unearthed by the Royal Commission into Banking and predictions of falling house prices have prompted market commentators to suggest it will be difficult for Australians to get home loans. Changes to banking policies are making the process even more complex, so if you’re finding it harder to obtain a loan, don’t
- [Quarterly Economic Update: Jan-Mar 2024 ](https://enrizen.com.au/quarterly-economic-update-jan-mar-2024/) - Economic update for January to March quarter 2024, providing commentary on Stage 3 Tax cuts, inflation, property, global share markets and local employment market.
- [Achieving financial freedom ](https://enrizen.com.au/achieving-financial-freedom/) - What does financial freedom mean to you? The ability to travel the world and build a dream home? Or to be able to enjoy a simple but active retirement, and support some good causes? We all have different desires and goals in life, but most of us share the dream that one day we would
- [What does a recession mean for me? ](https://enrizen.com.au/what-does-a-recession-mean-for-me/) - A recession is more than just a buzzword that gets thrown around by the media. A recession represents a significant decline in economic activity that can span months, even years. Think of it as the winter of the economic cycle - cold, challenging, but not permanent. It's often marked by tangible shifts in key economic
- [Active or Index Funds: What’s Your Best Bet?](https://enrizen.com.au/active-or-index-funds-whats-your-best-bet/) - Ever glanced at a list of different managed funds and wondered why some have remarkably low fees compared to others? Chances are, the ones with lower fees are index funds, also known as passive funds.
- [Quarterly Economic Update: October-December 2023](https://enrizen.com.au/quarterly-economic-update-october-december-2023/) - Global growth is forecast to slow and remain below its historical average in 2024, reflective of tighter monetary policy in advanced economies, as well as a soft outlook for China. Australians can exp… Global growth is forecast to slow and remain below its historical average in 2024, reflective of tighter monetary policy in advanced economies, as well as a soft outlook for China. Australians can exp…
- [Breaking the silence: The challenges of being a carer](https://enrizen.com.au/breaking-the-silence-the-challenges-of-being-a-carer/) - Caring for a loved one can be deeply fulfilling but brings its fair share of challenges too – as Laura discovered. When her mother Shelly had a stroke, she didn’t require a nursing facility, but could no longer live alone.
- [Are we jeopardising the bank of Mum & Dad](https://enrizen.com.au/are-we-jeopardising-the-bank-of-mum-dad/) - The Bank of Mum and Dad is now estimated to be one of the top 10 mortgage lenders in Australia, as more and more people turn to their parents for financial help when buying a home.
- [Quarterly Economic Update: Jul – Sep 2023](https://enrizen.com.au/quarterly-economic-update-jul-sep-2023/) - Australia’s annual inflation rate has taken an unexpected step up, increasing pressure on the Reserve Bank to push interest rates higher …
- [Estate Planning is not just for retirement](https://enrizen.com.au/estate-planning-is-not-just-for-retirement/) - Many people think that Estate Planning is only for people who are close to retirement, especially if we fall into the trap of thinking that Estate Planning is just about getting a will. But did you know that Estate Planning addresses key protection strategies whilst you’re still alive? It doesn’t matter who you are, Estate Did you know that Estate Planning addresses key protection strategies whilst you’re still alive? It doesn’t matter who you are, Estate Planning is for everyone.
- [Zero-based budgeting: Making every dollar count](https://enrizen.com.au/zero-based-budgeting-making-every-dollar-count/) - #post_excerptThere is an old saying that no investment is as safe as a bricks and mortar investment, but is that really the case ...
- [How to avoid property investment failure](https://enrizen.com.au/how-to-avoid-property-investment-failure/) - There is an old saying that no investment is as safe as a bricks and mortar investment, but is that really the case or is it something that we just like to believe, spurred on by what appears to be the never-ending increase in property prices?
- [5 simple techniques to reduce your tax](https://enrizen.com.au/5-simple-techniques-to-reduce-your-tax/) - Even though Benjamin Franklin's renowned statement, "in this world nothing can be said to be certain, except death and taxes," was spoken over two centuries ago, its relevance persists to this day. While death remains inevitable, the landscape of tax law has continuously evolved. Fortunately, numerous avenues exist that enable us to mitigate the burden
- [How interest rate changes affect your mortgage](https://enrizen.com.au/how-interest-rate-changes-affect-your-mortgage/) - Buying a home is one of the most significant decisions a person makes. In a modern landscape where the ratio of homeowners to renters decreases, the emphasis on making an informed financial decision like buying a home is amplified. Even so, most homeowners don’t consider what home loan rates they are paying. A recent survey
- [The unmatched value of financial advisers in the AI age](https://enrizen.com.au/the-unmatched-value-of-financial-advisers-in-the-ai-age/) - Digital advice is a hot topic at the moment, bringing with it the debate around human financial advisers potentially being replaced by ‘robo-advisers’. A client James, called into my office last week, explaining that his daughter was using an Artificial Intelligence (AI) platform, and he was considering doing the same. Over my twenty-year career, I
- [Federal Budget 2023-24](https://enrizen.com.au/federal-budget-2023-24/) - Lady Luck has once again looked down fondly upon Australia, creating the first budget surplus in 15 years, through a higher tax take on record export earnings and increasing income tax receipts from higher job numbers. But how long will the good times last? Domestic economic growth is expected to buckle under the weight of
- [Why you may never retire ](https://enrizen.com.au/why-you-may-never-retire/) - Millennials in Australia are facing an unprecedented challenge when it comes to planning for retirement. Many will never fully retire, as they will be unable...
- [The Wealth of Gold: Investing in a Timeless Asset ](https://enrizen.com.au/the-wealth-of-gold-investing-in-a-timeless-asset/) - As investors navigate through unpredictable and volatile economic times, it is essential to consider asset classes that can provide a level of stability...
- [Home and Contents Insurance at a Glance](https://enrizen.com.au/home-and-contents-insurance-at-a-glance/) - One in 25 Australian properties will be effectively uninsurable by 2030, due to rising risks of extreme weather and climate change*. What is home and contents insurance? Home insurance can protect you from financial risk if your home is damaged or destroyed and can also cover your home's contents if they are damaged, lost or
- [How to plan for the longest "holiday" of your life](https://enrizen.com.au/how-to-plan-for-the-longest-holiday-of-your-life/) - Preparing for retirement is like packing for a long trip. Planning ahead and choosing the right items is crucial to avoid any unexpected surprises.
- [Kid start-ups; the new age of kidpreneurs](https://enrizen.com.au/kid-start-ups-the-new-age-of-kidpreneurs/) - Whereas in our day we babysat, delivered pamphlets, or mowed lawns, kidpreneurs today are taking advantage of technology to reach a global audience.
- [Should I pay down my mortgage or invest?](https://enrizen.com.au/should-i-pay-down-my-mortgage-or-invest/) - The age old question: Repay your mortgage or invest? We explain just how the numbers stack up...
- [Don't Fear A Recession](https://enrizen.com.au/dont-fear-a-recession/) - What is a recession? And why do they happen? We delve into what a recession actually is and what you can expect...
- [Protect your bank account from scammers ](https://enrizen.com.au/protect-your-bank-account-from-scammers/) - Did you know Australians receive roughly five scam calls, emails or messages a week? Equating to over 250 per year! Follow our easy action steps to protect yourself today…
- [Why millennials should be mapping their retirement today](https://enrizen.com.au/why-millennials-should-be-mapping-their-retirement-today/) - Are you a millennial worried about your retirement? Learn why mapping out your retirement today is essential for a secure future. Expert advice inside.
- [Hidden fees of owning a home](https://enrizen.com.au/hidden-fees-of-owning-a-home/) - You’ve decided that it’s time to buy your first home; Congratulations! It’s such an exciting milestone in anyone's life and should be as effortless as possible. It’s important not to be caught out by the hidden costs that come with the purchase of your home. The costs add up quickly and can cause issues if
- [New Year Financial Checklist](https://enrizen.com.au/new-year-financial-checklist/) - As we move towards the end of yet another year and ponder how fast the last 12 months have come and gone, many of us find ourselves thinking about the coming year and our aspirations for the future. Let’s face it, we’ve worked hard throughout the year and now is the time to reflect on
- [Ever thought about diversifying your investments?](https://enrizen.com.au/ever-thought-about-diversifying-your-investments/) - When it comes to financial management, no single investment will continually outperform all other investments all of the time. To minimise potential losses and to smooth your investment returns over the longer term, you should spread your portfolio across various investments. But that can be easier said than done so there are different ways to
- [Investing in property?](https://enrizen.com.au/investing-in-a-property/) - It is no secret that Australians love investing in property. And while it can be an exciting prospect, it is essential to consider the finer details before jumping in, especially any ongoing costs and expenses you’ll have to pay. Investment property tax deductions It is vital that you’re aware of what you can and cannot
- [Planning Prevents Poor Performance ](https://enrizen.com.au/planning-prevents-poor-performance/) - Not a year goes by without some part of Australia being devastated by a natural disaster. Bushfires, floods, storms and tropical cyclones are a part of our lives. And as we’ve witnessed in recent years, destructive weather patterns and events occur regularly throughout the year, often with little or no warning. This means that any
- [Working from home? How to boost your next tax return](https://enrizen.com.au/working-from-home-how-to-boost-your-next-tax-return/) - With the range of technology and software available today, it's become easier than ever to work from home. Employees can efficiently complete calls using teleconferencing software, many collaboration tools are now cloud-based, and work devices, including laptops and tablets, are light and portable. If you've been working from home, you've likely also set up a
- [Interest Rates](https://enrizen.com.au/interest-rates/) - While we understand banks charge interest on their home loans, exactly what determines the rate? Should we be worried that interest rates will spike higher in the years ahead? For most people, it's all a bit of a puzzle. Traditionally, the Reserve Bank of Australia (RBA) is tasked with the responsibility of setting interest rates.
- [Employee or contractor? There is a difference](https://enrizen.com.au/employee-or-contractor-there-is-a-difference/) - We can understand during difficult economic times that business owners search for ways to reduce their costs and outgoings, but when those decisions affect others detrimentally, that’s where we draw the line. For example, consider a client who had been retrenched six months ago. Although this man is very skilled and talented, he has been
- [Sarah and Tom's insight on Government stimulus package](https://enrizen.com.au/sarah-and-toms-insight-on-government-stimulus-package/) - Sarah Grunberger and Thomas Perrett at Enrizen have provided an overview of the Government stimulus package and what kind of support it can provide to individuals, households and businesses. Click on the links below to watch their videos. Sarah Grunberger's insight on Government stimulus package for individuals and households Thomas Perrett's insight on Government stimulus
- [Why 2020 could be your year to buy property](https://enrizen.com.au/why-2020-could-be-your-year-to-buy-property/) - If you have been thinking about making the leap from renting to purchasing property, 2020 might be the time. Following a drop in property prices, the market once again is beginning to increase in value. Specifically in Sydney, house price values rose by 1.5% in January and 6.7% over the last quarter. This growth can
- [The benefits of investment diversification](https://enrizen.com.au/the-benefits-of-investment-diversification/) - Why you should invest across different assets: Overtime different investments will outperform each other. Therefore to smooth your investment returns over the long-term and mitigate any potential losses, you should spread your spread your investment portfolio. Diversify across asset classes Asset classes entail the broad categories of investment including; Equities, fixed interest, property and cash
- [The Financial effects of divorce after 50](https://enrizen.com.au/the-financial-effects-of-divorce-after-50/) - With the average age of marriage on the rise, so is the age of divorce. Divorce for people over the age of 50 accounts for 30% of all permanent splits. The over 50s have often accumulated significant wealth and are focused on setting themselves up for a comfortable retirement. Therefore, the financial consequences for older
- [How to select a business loan](https://enrizen.com.au/how-to-select-a-business-loan/) - There are different types of business loans to suit different stages of a business life cycle. Selecting the right one can speed up the application process and minimise costs. Everything started with just an idea...Finance for a start up For a start-up company with no trading business or cash flow, it can be quite difficult
- [Good records save small businesses](https://enrizen.com.au/good-records-save-small-businesses/) - The ATO suggests that consistent and coherent book-keeping is key to not only staying on top of finances but for the survival of businesses. Record-keeping for small business owners is a time-consuming job and is typically the first task to be neglected during busy times. This often leads to complications catching up on bookwork. The
- [Taking care of business](https://enrizen.com.au/taking-care-of-business/) - Owning your own business presents many advantages. You have flexibility with your working hours and the ability to make decisions about your future, however, this freedom does not prevail when things go wrong. Businesses are quickly evolving and even smart business owners are facing unexpected threats. Our experts have highlighted a few of the most
- [6 steps to protect the future of family business](https://enrizen.com.au/succession-planning/) - To ensure continuity, a succession plan is absolutely essential for every family business. And this is regardless of whether the family runs a global empire, family farm or corner store. History shows that succession is the Achilles Heel of the family business. An international study on family-owned enterprises by PWC found that only 24% of
- [Your home loan got rejected...now what?](https://enrizen.com.au/your-home-loan-got-rejected-now-what/) - Whether it’s due to over-enthusiastic lenders or desperate borrowers, there has been a tightening to lending criteria being applied to borrowers due to the need for responsible lending. What if your application for a refinance or initial home loan is rejected? Sitting in a 'cosy' apartment, paying half your wage to a landlord and watching
- [Baby budgeting](https://enrizen.com.au/baby-budgeting/) - Greeting a new family member is exciting, but with so many aspects of your life changing, when it comes to your finances, planning ahead can make the transition so much easier. It’s easy to get caught up in the excitement for your new arrival. When making preparations, it’s important to have all of Bub’s needs
- [A quick business tax check](https://enrizen.com.au/a-quick-business-tax-check/) - 6 questions to determine if your business activities could impact your personal tax situation If the following events have occurred in your business this financial year, or you’re anticipating similar changes, you need to address potential tax implications immediately. Additionally, contact us to find out more about small business tax incentives. Have you thought about
- [The art of downsizing](https://enrizen.com.au/the-art-of-downsizing/) - The kids have finally left home and now you’re rattling around in a house way bigger than you need. If it’s time to think about downsizing, there’s more to it than simply selling one house and buying another. Here are a few things to consider. Tax-free gain Selling a large house and buying a townhouse
- [Seven tips for securing a business loan](https://enrizen.com.au/seven-tips-for-securing-a-business-loan/) - Securing a business loan in Australia isn’t necessarily difficult but knowing how to navigate your way can be the difference between success and failure. Banks and other financial institutions offer a wide range of business finance options, from commercial property loans, commercial vehicle leases, and commercial and equipment leases, to simpler options such as letters
- [Corporate superannuation](https://enrizen.com.au/corporate-superannuation/) - What can you tell your employees about super? Being asked for advice is a recognition that your employees respect your views and knowledge. It can be flattering and you may well know a great deal about superannuation. However, without the necessary authorisation, you need to steer well clear of financial product advice. Just about anything
- [To renovate or to upgrade - which is best?](https://enrizen.com.au/to-renovate-or-to-upgrade-which-is-best/) - Most of us will live in two or three family homes during our lives. You might find that over this time needs change as does your capacity to meet those needs. So when the time comes for a change, is buying a new home a good idea, or is spending money on the existing home
- [Property in your SMSF](https://enrizen.com.au/property-in-your-smsf/) - One of the main reasons Self-Managed Superannuation Funds (SMSFs) are so popular among Australians is that they provide greater choice and flexibility to members for investing their retirement savings. SMSF investment options include shares, bonds, managed funds, and even residential and commercial property. However before you get too excited with all of the real estate
- [Tax, advisory & virtual CFO for your business](https://enrizen.com.au/tax-advisory-virtual-cfo-for-your-business/) - There is no such thing as work-life balance, not when you're a small business owner This is how we help our clients Prepare financial statements and tax returns for all entities including companies, partnerships, trusts and super funds. Accounts management including accounts payable, daily bank, inter-company loan and balance sheet reconciliation. Preparation of monthly management
- [Keeping your business safe online](https://enrizen.com.au/insurance-insurance-keeping-your-business-safe-online/) - The Australian Competition and Consumer Commission (ACCC) received more than 5400 reports of business scams in 2017, with total losses due to these scam activities of more than $4.6 million, an increase of $900,000 on the previous year. Almost 3000 of those hit were micro and small businesses. They accounted for just shy of $3
- [Key person insurance](https://enrizen.com.au/key-person-insurance/) - Small business owners frequently fail to understand the risks they face. Understandably, business owners are usually too busy working to think about what “might” happen. A comprehensive risk assessment is vital for all businesses. This includes documenting as many conceivable events as possible, including but certainly not limited to: suppliers going out of business; major
- [Wealth management: why it’s not just for the wealthy](https://enrizen.com.au/wealth-management-why-its-not-just-for-the-wealthy/) - The term ‘wealth management’ often conjures up images of high-net-worth people with mansions, private jets, luxury car collections, and endless holidays. The truth is that all Australians should be concerned with managing their wealth, regardless of their net worth. Managing your money better can deliver significant benefits such as: better quality of life before and
- [Buying or selling property? How to know when it’s the right time](https://enrizen.com.au/buying-or-selling-property-how-to-know-when-its-the-right-time/) - Buying or selling a home is the largest financial decision many people will make in their lifetimes. Purchasing property, whether to live in or as an investment, is a huge step in your financial future. It’s a vital turning point for your family life, financial security, and personal wellbeing. Likewise, selling property you already own
- [Financial health: are you in financial denial?](https://enrizen.com.au/financial-health-are-you-in-financial-denial/) - Research shows that almost three quarters of Australians spend more than they intend to across every category of spending from groceries to socialising.[1] One in three Australians live beyond their means and save nothing, according to a survey by CommBank[2]. Yet, despite these numbers, Australians continue to spend more than they should on things like
- [Leaving your pet an inheritance](https://enrizen.com.au/leaving-your-pet-an-inheritance/) - How can you look after your pets when you die? How can they be considered in your estate planning? This article clarifies some commonly held beliefs. We often hear stories in magazines about super rich people leaving ridiculous sums of money in their Will to their pets. For example, real estate tycoon Maria Assunta left
- [Interest rates increased last week – is it time to refinance?](https://enrizen.com.au/interest-rates-increased-last-week-is-it-time-to-refinance/) - Technically speaking, if more than 30 percent of your pre-tax income goes towards paying your mortgage, you meet the common definition for being ‘mortgage-stressed’. The number of households at all levels of stress rose by 6,000 in August to reach close to 1 million stressed households, approx 30.5% of owner occupied borrowing households according to
- [Lifechanging: how financial management tools and the right advisor can change the game](https://enrizen.com.au/how-financial-management-tools-and-the-right-advisor-can-be-lifechanging/) - With a mortgaged property, two young children to provide for, and credit card debt to pay down, Kerry and Terrance wanted to work with a financial planner to set some financial goals around paying off debt and securing their children’s futures. Financial planners they had worked with in the past were highly focused on superannuation

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- [Individuals](https://enrizen.com.au/individuals/) - We deliver solutions for people needing advice in accounting and tax, financial planning, legal, finance and insurance. We view clients as a whole and not as a transaction, and in that way, we'll help you achieve your ambitions.
- [Business](https://enrizen.com.au/business/) - Enrizen provides enduring solutions for businesses. We partner with businesses who want to grow and provide structure, advice and funding. This includes risk management, insurance, employee benefit programs, cash flow financing, asset financing, contract reviews or property & conveyancing.
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- [5 common financial mistakes people make in their 40's complete](https://enrizen.com.au/5-common-financial-mistakes-people-make-in-their-40s-complete/) - You’ve just made a great decision!Enjoy. Download
- [5 common mistakes that may ruin your retirement- Ebook Complete](https://enrizen.com.au/5-common-mistakes-that-may-ruin-your-retirement-ebook-complete/) - You’ve just made a great decision!Enjoy. Download
- [Divorce toolkit](https://enrizen.com.au/divorce-toolkit/) - You've made a great decision!Enjoy! Download
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- [Individuals](https://enrizen.com.au/individuals-test/) - We deliver solutions for people needing advice in accounting and tax, financial planning, legal, finance and insurance. We view clients as a whole and not as a transaction, and in that way, we'll help you achieve your ambitions.
- [Business](https://enrizen.com.au/business-2/) - Enrizen provides enduring solutions for businesses. We partner with businesses who want to grow and provide structure, advice and funding. This includes risk management, insurance, employee benefit programs, cash flow financing, asset financing, contract reviews or property & conveyancing.
- [Super & Planning for Retirement Complete](https://enrizen.com.au/super-planning-for-retirement-complete/) - You’ve just made a great decision!Enjoy. Download
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- [The 5 key components of financial independence eBook complete](https://enrizen.com.au/the-5-key-components-of-financial-independence-ebook-complete/) - You’ve just made a great decision!Enjoy. Download
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- [Why are SMSFs so popular Complete](https://enrizen.com.au/why-are-smsfs-so-popular-complete/) - You’ve just made a great decision!Enjoy. Download
- [How to select a business loan complete](https://enrizen.com.au/how-to-select-a-business-loan-complete/) - You’ve just made a great decision!Enjoy. Download
- [Here's to Australian breweries complete](https://enrizen.com.au/heres-to-australain-breweries-complete/) - You’ve just made a great decision!Enjoy. Download
- [Buying a home ebook complete](https://enrizen.com.au/buying-a-home-ebook-complete/) - You’ve just made a great decision!Enjoy. Download
- [Home Loan Toolkit Complete](https://enrizen.com.au/home-loan-toolkit-complete/) - You’ve just made a great decision!Enjoy. Download
- [Personal Protection Toolkit Complete](https://enrizen.com.au/personal-protection-toolkit-complete/) - You’ve just made a great decision!Enjoy. Download
- [Small Business Insurance Needs For 2019 Complete](https://enrizen.com.au/small-business-insurance-needs-for-2019-complete/) - You’ve just made a great decision!Enjoy. Download
- [Tax rules do not treat all income equal complete](https://enrizen.com.au/tax-rules-do-not-treat-all-income-equal-complete/) - You’ve just made a great decision!Enjoy. Download
- [FAQ - Personal insurances Complete](https://enrizen.com.au/faq-personal-insurances-complete/) - You’ve just made a great decision!Enjoy. Download
- [Everything you Wanted to know about super - Ebook Complete](https://enrizen.com.au/everything-you-wanted-to-know-about-super-ebook-complete/) - You’ve just made a great decision!Enjoy. Download
- [Tax, Advisory & Virtual CFO Complete](https://enrizen.com.au/tax-advisory-virtual-cfo/) - You’ve just made a great decision!Enjoy. Download
- [Superannuation Toolkit Complete](https://enrizen.com.au/superannuation-toolkit-complete/) - You’ve just made a great decision!Enjoy. Download
- [Retirement Planning Complete](https://enrizen.com.au/retirement-planning-complete/) - You’ve just made a great decision!Enjoy. Download
- [Investment Property Toolkit Complete](https://enrizen.com.au/investment-property-toolkit-complete/) - You’ve just made a great decision!Enjoy. Download
- [Estate Planning Toolkit Complete](https://enrizen.com.au/estate-planning-toolkit-complete/) - You’ve just made a great decision!Enjoy. Download
- [Enrizen Estate Planning – Fact Sheet Complete](https://enrizen.com.au/enrizen-estate-planning-fact-sheet-complete/) - You’ve just made a great decision!Enjoy. Download
- [A guide to selling or closing your business complete](https://enrizen.com.au/a-guide-to-selling-or-closing-your-business-complete/) - You’ve just made a great decision!Enjoy. Download
- [Thank you](https://enrizen.com.au/thank-you/) - You’ve just made a great decision! Thank you. We’ll be in touch shortly!
- [Privacy Policy](https://enrizen.com.au/privacy-policy/) - Who we are Our website address is: https://enrizen.com.au. What personal data we collect and why we collect it Comments When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymised string created from

## Portfolios

- [Pedal Power ACT Member Insurance Program](https://enrizen.com.au/downloadable-resources/individuals/pedal-power-act-member-insurance-program/) - Pedal Power ACT Insurance Comprehensive insurance solutions brought to you by Enrizen. What is Covered? Enrizen has partnered with Pedal Power ACT to provide insurance solutions designed to protect members while cycling or participating in affiliated activities. Coverage includes: Public Liability Personal Accident This program applies 24/7 to members, including commuting, training rides, and Pedal
- [Estate Planning Toolkit](https://enrizen.com.au/downloadable-resources/financial-planning/estate-planning-toolkit-3/) - We’re here to not only remind you but help you create a plan that reflects your wishes in the event you pass away. From asset ownership to business agreements to your will, at Enrizen we will ask and help you answer the right questions to instil certainty around your investments and legal structure.
- [Thinking About Finance in Your 30's?](https://enrizen.com.au/downloadable-resources/financial-planning/thinking-about-finance-in-your-30s/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [Corporate Super – Employer & Employee Benefits](https://enrizen.com.au/downloadable-resources/businesses/corporate-super-employer-employee-benefits/) - Enrizen specialists and accountants provide advice in tax, BAS compliance, cash flow budgeting, company secretary services, underwriting of share issues, capital mergers and acquisitions, debt syndication and reverse takeovers.
- [Estate Planning - eBook](https://enrizen.com.au/downloadable-resources/individuals/estate-planning-ebook/) - Enrizen team members pride themselves on their ability to anticipate legal needs. When purchasing property, creating contracts, estate planning or conveyancing be sure that we are comprehensive and our standards are high.
- [Estate Planning Toolkit](https://enrizen.com.au/downloadable-resources/individuals/estate-planning-toolkit/) - Enrizen team members pride themselves on their ability to anticipate legal needs. When purchasing property, creating contracts, estate planning or conveyancing be sure that we are comprehensive and our standards are high.
- [Home Loan Toolkit](https://enrizen.com.au/downloadable-resources/finance/home-loan-toolkit/) - Enrizen can help you advance towards your ambitions. We but you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, credit cards, loans and leases. We also help with debt consolidation and niche lending.
- [Investment Property Toolkit](https://enrizen.com.au/downloadable-resources/financial-planning/investment-property-toolkit/) - We partner with individuals who have ambition. The Enrizen investment strategies are diverse and in line with your appetite for risk. We focus on a holistic solution ensuring tax-effective income and asset allocation.
- [Personal Loan Toolkit](https://enrizen.com.au/downloadable-resources/finance/personal-loan-toolkit/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, credit cards, loans and leases. We also help with debt consolidation and niche lending.
- [Personal Protection Toolkit](https://enrizen.com.au/downloadable-resources/individuals/personal-protection-toolkit/) - At Enrizen we problem solve to help you achieve more. Protecting yourself and your assets is key to advancing towards your ambitions. Enrizen insurance brokers go beyond conventional solutions to ensure your assets are covered.
- [Small Business Insurance Needs](https://enrizen.com.au/downloadable-resources/businesses/small-business-insurance-needs-for-2019/) - Enrizen can advise on the risk associated with your industry, your business and your profession. We work with you to broker insurance that fits your requirements and protects you against cash flow problems resulting from unforeseen circumstances.
- [SMSF Toolkit](https://enrizen.com.au/downloadable-resources/accounting/smsf-toolkit/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [Retirement Planning Toolkit](https://enrizen.com.au/downloadable-resources/financial-planning/retirement-planning-toolkit/) - Enrizen can help you advance towards your ambitions. We but you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, credit cards, loans and leases. We also help with debt consolidation and niche lending.
- [Superannuation Toolkit](https://enrizen.com.au/downloadable-resources/accounting/superannuation-toolkit/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [Tax, Advisory & Virtual CFO](https://enrizen.com.au/downloadable-resources/accounting/tax-advisory-virtual-cfo/) - Enrizen specialists and accountants provide advice in tax, BAS compliance, cash flow budgeting, company secretary services, underwriting of share issues, capital mergers and acquisitions, debt syndication and reverse takeovers.
- [A Guide to Selling or Closing your Business](https://enrizen.com.au/downloadable-resources/businesses/a-guide-to-selling-or-closing-your-business/) - Enrizen experts and lawyers will help you understand your rights and responsibilities throughout the process. We deal in contract reviews, shareholder or partnership agreements, transaction negotiations, due diligence and commercial conveyancing.
- [12 Most Asked Questions – Buying a Home](https://enrizen.com.au/downloadable-resources/finance/buying-a-home-ebook/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [End of Year Tax Tips](https://enrizen.com.au/downloadable-resources/accounting/end-of-year-tax-tips/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [The 5 Key Components of Financial Independence -  eBook](https://enrizen.com.au/downloadable-resources/financial-planning/the-5-key-components-of-fiancial-independence-ebook/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [5 Common Mistakes that may Ruin your Retirement - eBook](https://enrizen.com.au/downloadable-resources/finance/5-common-mistakes-that-may-ruin-your-retirement-ebook/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can help you to plan your retirement.
- [Everything you Wanted to Know About Super - eBook](https://enrizen.com.au/downloadable-resources/accounting/everything-you-wanted-to-know-about-super-ebook/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [5 Frequently Asked Questions about Personal Insurance](https://enrizen.com.au/downloadable-resources/individuals/faq-personal-insurances/) - At Enrizen we problem solve to help you achieve more. Protecting yourself and your assets is key to advancing towards your ambitions. Enrizen insurance brokers go beyond conventional solutions to ensure your assets are covered.
- [Why are SMSF's so Popular?](https://enrizen.com.au/downloadable-resources/accounting/why-are-smsfs-so-popular/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [Private Client Services](https://enrizen.com.au/downloadable-resources/individuals/private-client-services/) - We deliver solutions for people needing advice in accounting and tax, financial planning, legal, finance and insurance. We view clients as a whole and not as a transaction, and in that way, we'll help you achieve your ambitions.
- [Business Services](https://enrizen.com.au/downloadable-resources/businesses/business-services/) - Enrizen provides enduring solutions for businesses. We partner with businesses who want to grow and provide structure, advice and funding.
- [Tax Rules- Do not Treat all Income Equally](https://enrizen.com.au/downloadable-resources/accounting/tax-rules-do-not-treat-all-income-equally/) - Enrizen provides structured, comprehensive and holistic advice to ensure you are not over-paying tax. We advise on how to attain your maximum refund, using salary packaging, investment property and tax effective structuring.
- [5 Common Financial Mistakes People Make in Their 40's](https://enrizen.com.au/downloadable-resources/financial-planning/5-common-financial-mistakes-people-make-in-their-40s/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [Important Points to Consider During Your 50s](https://enrizen.com.au/downloadable-resources/financial-planning/important-points-to-consider-during-your-50s/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [Divorce Toolkit](https://enrizen.com.au/downloadable-resources/financial-planning/divorce-toolkit/) - Enrizen can help you advance towards your ambitions. We put you as the client at the heart of everything we do. We can advise on standard lending in the form of mortgages, loans and leases. We also help with debt consolidation and niche lending.
- [Enrizen One Investment Philosophy](https://enrizen.com.au/downloadable-resources/financial-planning/enrizen-one-investment-philosophy/) - Enrizen One Investment Philosophy

## Team

- [Lin Guan](https://enrizen.com.au/team/lin-guan/) - Lin is a CPA-certified, highly detail-oriented and accounting professional with over 10 years of experience in Public Practice. Working knowledge of accounting procedures, extensive experience in maintaining general ledgers and documenting financial reports. At Enrizen, Lin works as an Assistant Manager. Away from the office, Lin loves travelling and reading.
- [Francis Li](https://enrizen.com.au/team/francis-li/) - Francis Li joins us as our Integration Specialist, bringing with him over 25 years of experience in the IT industry. With a specialty in making complex systems talk to each other, Francis has honed his skills across a range of platforms, including MuleSoft, Salesforce, Oracle, and AWS. Francis is an API and integration expert, with
- [Gary Franklin](https://enrizen.com.au/team/gary-franklin/) - An accountant and management consultant by training. Over Gary’s career, he has provided counsel to some of Australia’s leading listed companies. Prior to joining Enrizen, he held CFO positions with several multinational corporations. Gary holds a Bachelor of Economics and as a CPA (Fellow) has extensive finance and business experience. Gary has a wealth of life
- [Adriana Ortiz](https://enrizen.com.au/team/adriana-ortiz/) - Adriana is an Insurance Associate at Enrizen, she is driven by building rapport with clients and understanding their needs and goals to provide the best customer service possible. She has a diversified career building relationships with clients and applying problem-solving skills, having previously worked in a variety of industries, including financial services, automotive and construction.
- [Pau Manaloto](https://enrizen.com.au/team/pau-manaloto-2/) - Pau is a Paraplanner with an optimistic, forward‑looking mindset and a strong foundation in Management Accounting. After completing her degree, she began her career in the financial planning industry, where she brings focus, care and a thoughtful approach to supporting clients and advisers alike. Outside of work, Pau enjoys unwinding with fiction, Korean drama series,
- [Ann Halasan](https://enrizen.com.au/team/ann-halasan/) - Ann joins the Enrizen team as a Client Services Officer, bringing a unique blend of educational insight and financial precision to our front line. With a Bachelor’s degree in Education and a background in bookkeeping, Ann has a natural talent for navigating complex processes while ensuring our clients feel supported every step of the way.
- [Jennifer Tamayo](https://enrizen.com.au/team/jennifer-tamayo/) - Jennifer works within Enrizen’s insurance division. A veteran of the insurance industry with over a decade of experience, holding roles within Chubb Insurance, amongst other insurers. She holds a Bachelor of Arts from Polytechnic University of the Philippines. When not striving for Enrizen’s clients, Jennifer enjoys her time with her two children and is a
- [Oliver Da Luz](https://enrizen.com.au/team/oliver-da-luz/) - Oliver is in our Client Services team working on improving our clients’ experiences and working with our specialists in delivering strategic advice. Oliver joined Enrizen as an Intern to gain comprehensive experience across all aspects of the business. He has now moved into our Wealth Division supporting our specialists in areas including financial planning, finance, and
- [Nivedita Saxena](https://enrizen.com.au/team/nivedita-saxena/) - With more than a decade of Salesforce experience, Nivedita is a trusted platform leader who knows how to turn complex requirements into practical, scalable solutions. She’s worked across energy, health, finance, and professional services, helping organisations get the most from their Salesforce investment Nivedita has led end-to-end transformations spanning Sales, Service, Financial Services Cloud, and
- [Emma Heslop](https://enrizen.com.au/team/emma-heslop/) - As the Head of Strategy at Enrizen, Emma is responsible for making the business more efficient through the implementation of AI, automation and integrated processes, managing the change to ensure adoption and success. Previously, Emma served as the Head of Marketing, where she demonstrated innovative and out-of-the-box thinking. She holds a double degree in Commerce
- [Kim Tran](https://enrizen.com.au/team/kim-tran/) - Kim completed a Bachelor of Business ( Major in Accounting) in 2006 from the University of Western Sydney, Australia. She has more than 10 years’ experience in Public Practice. She is a qualified member of Certified Practising Accountant ( CPA) , qualified member of the Institute of Public Accountant ( IPA), qualified member of the
- [Shelley Lian](https://enrizen.com.au/team/shelley-lian/) - Shelley is an Associate member of the Certified Public Accountant (CPA) and holds a Bachelor of Business Administration and a Bachelor of Commerce, majoring in Professional Accounting from Macquarie University. At Enrizen, Shelley works alongside a highly skilled team of professionals in the Accounting team. Shelley has over 5 years of experience as an Accountant
- [Avanti Mulay](https://enrizen.com.au/team/avanti-mulay/) - Solicitor Avanti is a solicitor within Enrizen legal practice and operates across corporate and commercial activities. Having practiced law both in Australia and overseas, she specialises in commercial contracts and advising clients in wide range of commercial matters. During her career, she has worked with leading law firm and in a global technology leader, operating
- [Stella Xiao](https://enrizen.com.au/team/stella-xiao/) - Stella is a company accountant who specialises in commercial accounting and tax compliance. She has over 4 years of experience in the industry. She graduated from Macquarie University as a Master of Accounting and commenced her CPA study. Outside of work, she enjoys outdoor activities.
- [Kawser Ahmad](https://enrizen.com.au/team/kawser-ahmad/) - Kawser Ahmad brings over 15 years of comprehensive business services accounting experience from mid-tier firms, spanning diverse industries. Having most recently served at William Buck Chartered Accountants, Kawser joins Enrizen equipped with a wealth of public practice expertise. His approach is anchored in the belief that effective advice stems from a deep comprehension of clients' objectives. Combined with
- [Claudia Pena Collazos](https://enrizen.com.au/team/claudia-pena-collazos/) - Claudia holds a Bachelor of Business and has more than 10 years’ experience in enhancing client experiences and implementing business solutions. She has fulfilled roles across a variety of industries, including financial services, construction, industrials and government. She is a qualified Insurance Broker and also holds a Diploma in IT. Having commenced with Enrizen in
- [Sleiman Majdoub](https://enrizen.com.au/team/sleiman-majdoub/) - Sleiman is a corporate and commercial solicitor with Enrizen Lawyers and heads up Enrizen's legal practice. He advises clients on a wide range of matters and has experience in corporate and commercial law, resources, property and financial regulation. Sleiman has experience working in a top-tier legal firm and in-house experience working for Australia’s largest financial
- [Nick Halliday](https://enrizen.com.au/team/nick-halliday/) - As a Divisional Director, Nick spends his days working out ways he and his team can help their clients become even more successful. He achieves this through the strong relationships he builds with clients, working proactively to understand their needs and goals, whilst identifying and removing potential obstacles to success. He holds a Bachelor of
- [George Miller](https://enrizen.com.au/team/george-miller/) - George Miller is the Head of IT at Enrizen, bringing over a decade of hands-on technology leadership across cybersecurity, Microsoft 365, identity and access management, cloud services, infrastructure, networking, service delivery, and enterprise support. With experience leading IT teams, supporting multi-site environments, managing critical business systems, and delivering secure technology uplift programs, George combines deep technical capability
- [Thomas Kearns](https://enrizen.com.au/team/thomas-kearns/) - Thomas (Tom or TK) is an Investment Director at Enrizen Capital and leads a number of our engagements. He is passionate about helping companies identify, unlock, and optimise value to provide key stakeholders with financial benefit. With sophisticated transaction experience across an array of sectors and ambition to match, he brings a pragmatic approach to
- [Trent Franklin](https://enrizen.com.au/team/trent-franklin/) - Trent is passionate about finding creative and enduring solutions for the most complex of financial challenges. He is devoted to helping his clients achieve success in both their business and their own lives. Trent is the Managing Director of Enrizen, his innovative and battle proven strategies responsible for propelling the business to where it is today. He
- [Frank Da Luz](https://enrizen.com.au/team/frank-da-luz/) - Frank has been with Enrizen for over 16 years and has extensive experience in the financial services industry, having previously worked at a ‘Big Four’ bank and run a private, boutique financial planning firm. Frank is able to draw on his broad industry experience to tailor smart advice strategies to protect personal assets & income, help
- [Joshua Majdoub](https://enrizen.com.au/team/joshua-majdoub/) - Joshua is a Legal Assistant at Enrizen Lawyers, where he brings a strong dedication to understanding the intersection of law and business. Currently undertaking a dual degree in Bachelor of Business and Bachelor of Laws, with a major in Management at the University of Technology Sydney, Joshua is committed to building a comprehensive knowledge of
- [Kar Chua](https://enrizen.com.au/team/kar-chua/) - Kar is a member of the Institute of Chartered Accountants in Australia and have a range of experience in assisting a number of ASX-listed companies with their financial, taxation and corporate secretarial reporting, in addition to having a background in reporting responsibilities for multi-national companies, small and medium-sized enterprises. Currently, he holds the position of

## Services

- [Legal help for solos and households](https://enrizen.com.au/service/legal-help-for-solos-and-households/) - Financial services for real people Legal help for solos and households Access to holistic legal advice isn’t always easy; most lawyers work case by case on your matters. However, Enrizen legal counsel provide the sounding board for ideas and strategies for people like you to take advantage of. We get to know the whole you,
- [Investment & enrizen capital](https://enrizen.com.au/service/investment-enrizen-capital/) - Financial services for your business INVESTMENT & ENRIZEN CAPITAL As corporate advisors and direct investors, we take an active role in the advancement and growth of opportunities in each of our engagements. This may be by the way of the subsequent integration of an acquisition; the progression of a project through to development; or a
- [Risk management & insurance for families and solos](https://enrizen.com.au/service/risk-management-insurance-for-families-and-solos/) - Financial services for real people Risk management & insurance for families and solos Insurances protect against bad situations. Those in the know call it risk management. We’ll translate intricate policy wording to ensure you understand what is covered, what is not, and then you decide what level of risk you are happy with. Your goal
- [Financial planning for households and solos](https://enrizen.com.au/service/financial-planning-for-households-and-solos/) - Financial services for real people Financial planning for households and solos Financial planning simply means we’ll help understand what effective financial decisions look like for your life and help you set achievable goals. We’ll then keep you honest by monitoring (you’ll tell us how much checking in you require – we take your lead). We
- [Finance](https://enrizen.com.au/service/finance-3/) - Financial services for real people Finance for solos and households The opportune time to sort out your financial affairs is right now. From home and auto loans, credit cards to debt consolidation, our highly accomplished team of experts will provide you options that suit your desired financial makeup. First, we dive deep into your finances,
- [Accounting and tax for households and solos](https://enrizen.com.au/service/accounting-and-tax-for-households-and-solos/) - Financial services for real people Accounting and tax for households and solos Accounting and taxation is a regrettable essential part of our lives. It pays to have a qualified accountant work through your tax returns to ensure you’re paying the right amount of tax, no more, no less. Simple right? Well, our accountants do so
- [Risk management](https://enrizen.com.au/service/risk-management/) - Financial services for your business RISK MANAGEMENT Managing risk is an important part of business, and planning for risks before they occur is often the easiest way to do so. We assist you to identify and evaluate the true level of risks to your business and advise on what is required to mitigate or manage
- [Legal](https://enrizen.com.au/service/legal-2/) - Financial services for your business LEGAL Our solicitors thrive in translating complex situations into actionable advice for their clients. We find that businesses usually require help with the following from our legal gurus, though their experience and expertise extends much further. Contract Reviews Before entering into any agreement, our team will comb through your contract
- [Finance](https://enrizen.com.au/service/finance-2/) - Financial services for your business FINANCE Enrizen can advise on how your business can achieve more or grow faster through finance. From business loans to equipment shop fit-outs, we aim to provide you with effective, flexible and competitive financing options and a plan to pay it back. Our goal is always to provide enduring solutions
- [Accounting & tax](https://enrizen.com.au/service/accounting-tax/) - Financial services for your business ACCOUNTING & TAX Our accountants revel in helping you keep as much of your hard-earned cash as possible. Their ability to structure your company can help ensure you are not overpaying your taxes and further help you remain compliant in an ever changing, ever more complex landscape. With our accountants

## Testimonial

- [Tony, Central West](https://enrizen.com.au/testimonials/tony-central-west/) - The team really understands us and have provided us with the support to take opportunities and grow our business. We have worked with Enrizen specialists on insurance, accounting and legal transactions. When we decided to purchase a neighbouring farm, Enrizen was our first point of call.
- [Sean, Sydney](https://enrizen.com.au/testimonials/sean-sydney/) - Each specialist within Enrizen works hand in hand to ensure the best outcome for our situation, whether it be advice on accounting, the law, financing or more advanced matters such as capital funding or M&A. This lets us run our companies more efficiently in that l don't need to be liaising with multiple external agencies.
- [Jen, Annandale](https://enrizen.com.au/testimonials/jen-annandale/) - Enrizen helped us with a number of things to help us get sorted. We wanted to reassess our IP insurance, make sure the default cover that my husband has through his insurance is enough, and get mine set up. We also wanted to check that we were putting our money in the right places, between
- [Malcom, Manly](https://enrizen.com.au/testimonials/malcom-manly/) - I had been working with Enrizen for a number of years and decided to take the plunge and move all my affairs under the Enrizen. Undoubtedly one of the better decisions I’ve made.
- [Tony, Central West](https://enrizen.com.au/testimonials/tony-central-west-2/) - The Enrizen team takes the time to work with my business, to understand my needs and to think outside the box, making every transaction simple for me.
- [Mike, Glendenning](https://enrizen.com.au/testimonials/mike-glendenning/) - During the quoting process it became evident that Enrizen were in a different league in terms of professionalism, fast responses and all round care for the potential account. Over the last five years our company has increased turnover by 300%, with this growth has come major challenges so we needed a key strategic broker partner.

## Tags

- [Recession](https://enrizen.com.au/tag/recession/)
- [Share market](https://enrizen.com.au/tag/share-market/)
- [Economic growth](https://enrizen.com.au/tag/economic-growth/)
- [Interest rates](https://enrizen.com.au/tag/interest-rates/)
- [Diversification](https://enrizen.com.au/tag/diversification/)
- [Risk management](https://enrizen.com.au/tag/risk-management/)
- [retirement planning](https://enrizen.com.au/tag/retirement-planning/)
- [retirement savings](https://enrizen.com.au/tag/retirement-savings/)
- [retirement lifestyle](https://enrizen.com.au/tag/retirement-lifestyle/)
- [superannuation](https://enrizen.com.au/tag/superannuation/)
- [saving](https://enrizen.com.au/tag/saving/)
- [compound interest](https://enrizen.com.au/tag/compound-interest/)
- [financial advice](https://enrizen.com.au/tag/financial-advice/)
- [retirement income](https://enrizen.com.au/tag/retirement-income/)
- [Financial Planning](https://enrizen.com.au/tag/financial-planning/)
- [Budgeting](https://enrizen.com.au/tag/budgeting/)
- [Financial Freedom](https://enrizen.com.au/tag/financial-freedom/)
- [Debt Consolidation](https://enrizen.com.au/tag/debt-consolidation/)
- [Credit Card Debt](https://enrizen.com.au/tag/credit-card-debt/)
- [Personal Finance](https://enrizen.com.au/tag/personal-finance/)
- [Saving Money](https://enrizen.com.au/tag/saving-money/)
- [pay off mortgage](https://enrizen.com.au/tag/pay-off-mortgage/)
- [Home loan](https://enrizen.com.au/tag/home-loan/)
- [investment strategy.](https://enrizen.com.au/tag/investment-strategy/)
- [Financial planner](https://enrizen.com.au/tag/financial-planner/)
- [financial plan](https://enrizen.com.au/tag/financial-plan/)
- [super](https://enrizen.com.au/tag/super/)
- [financial security](https://enrizen.com.au/tag/financial-security/)
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