22/09/2026
Financial Planning can end up with meaningless advice goals such as , “Grow your super or Grow wealth and achieve better performance.
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These means nothing .
Our approach is rather different.
The classic example of advice normally goes down the path of ; “Borrow money, buy property, collect rent, assume capital growth, pay down debt and let super compound."
The KLFP framework goes deeper because we are not just looking at the investment asset.
We are effectively asking:
1. What does the client need to live on to meet their lifestyle costs ?
For example:
Using gov stats will not help. We get clear , 60,000 p.a. cost of living
2. What happens to the lifetime of their cash flow?
Are they on track or do they run out of money.
Wealth is just a proxy for paying for things.
3. What Project based goals are we planning for ?
PROJECT 1 — Home
Buy/retain/pay down home while still achieving the other objectives?
PROJECT 2 — Insurance
What happens to the lifetime cash flow one becomes disabled or loses income?
PROJECT 3 — Debt
Which debt is being created, how is it serviced and when does it disappear?
PROJECT 4 — Lifetime cost of living
Can the assets and future income actually fund required lifestyle through to the assumed date of death?
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A traditional investment projection might say:
"Your property could be worth $592,000 in 10 years."
A Lifetime model should be able to say:
"If you buy this property, here is what happens to annual cash flow, debt, home ownership position, super, investment equity and ability to fund required $X lifestyle over the lifetime."
And it also means you shouldn't judge the strategy simply because the property goes up 4%.
That is essentially where our four-project framework becomes the overarching framework.
The advice areas such as individual property, super, debt and insurance all feed into our philosophy.
