Take control and build momentum
Effective cash flow and debt management is the foundation of every successful financial plan.
At Opus Wealth, we help you to make intentional decisions about how to use it, and structure your debt in a way that supports—not hinders—your long-term goals.
What we do
Tailored strategies for every stage
We work with individuals, couples and families to develop cash flow and debt strategies that reflect their unique circumstances. Our approach includes:
- Cash Flow Planning: Reviewing income, expenses and savings capacity to build a sustainable budget that supports your lifestyle and goals.
- Debt Structuring: Helping you distinguish between ‘good’ and ‘bad’ debt, and prioritising and structuring loans to minimise interest and maximise flexibility.
- Offset & Redraw Strategies: Using mortgage offset accounts to reduce interest while maintaining access to funds for emergencies or future purchases.
- Debt Reduction Plans: Applying methods like the snowball or avalanche approach to pay down debt efficiently and build financial momentum.
- Strategic Borrowing: Assessing when it’s appropriate to borrow for renovations, investments or lifestyle goals—and when it’s better to wait.
How it helps you
Tailored strategies for every stage
No matter the income you earn or stage in life, how you manage your day-to-day finances has a direct impact on your financial wellbeing. Our advice helps you:
- Identify surplus cash flow and allocate it strategically
- Prioritise debt repayments to reduce interest and risk
- Balance short-term needs with long-term wealth creation
- Explore incorporating debt into your wealth creation strategy
We don’t just give you a spreadsheet—we help you build a system that works. Our clients appreciate our hands-on support, including:
- Cash flow modelling and management of surpluses or deficits
- Debt repayment modelling and refinancing comparisons
- Goal-tracking toward your short, medium and long-term goals
- Ongoing reviews to adapt your strategy as life evolves
Wherever you are, we're with you
Whether you’re looking to free up cash flow, reduce debt, or borrow to invest, we’ll guide you with practical strategies and ongoing support.
Why Opus Wealth?
We don’t just manage money—we help you write the next chapter of your life story. With a clear plan and a trusted adviser by your side, you can move forward with purpose and peace of mind.
