A recent Money Check-Up (MCU) meeting highlights how digital advice, supported by coaching, drives meaningful action for clients, while creating measurable engagement opportunities for partners.

The client, a 38-year-old professional earning $130,000 per annum, initially sought clarity. They felt they were “doing reasonably well” financially, but lacked confidence about next steps or whether they were optimising their position.

Through the Money Check-Up process, they discovered their surplus cash flow was stronger than expected, creating reassurance that upcoming lifestyle goals were comfortably achievable.

From Snapshot to Strategy

During the session, the GPS Coach reviewed the client’s digital fact find in real time, refining loan structures and clarifying how $90,000 in savings was allocated, including $80,000 held in offset.

This improved the accuracy of their financial snapshot and enabled practical, priority-led decision making.

Key priorities identified included:

• Optimising salary sacrifice contributions.
• Implementing a structured savings and investment plan.
• Funding a $6,000 holiday (2027) and a $20,000 wedding.
• Coordinating long-term retirement planning with their partner.

Importantly, the client was not seeking comprehensive advice. They wanted structured, actionable next steps aligned to their current life stage.

Immediate Action

Following the meeting, the client proceeded to purchase a Salary Sacrifice Statement of Advice directly through the platform.

With guidance from the GPS Coach, they confidently determined a contribution level to boost retirement savings in a tax-effective manner.

The client is now preparing to proceed with a Savings & Investment SOA to ensure surplus cash is working effectively, aligned to their risk profile and short-term lifestyle goals.