John Grocke - Principal. Financial Planner Dip FP, CFP Winner of the prestigious National "Securitor Adviser of the Year" Award for 2008. Winner of the SA/NT "Securitor Adviser of the Year" Award in both 2006 and 2007. John is an authorised representative of SECURITOR Financial Group Ltd ABN 48 009 189 495 Licensed Dealer in Securities & Registered Life Insurance Broker Is debt management part of the holistic advice process?We take debt management seriously. Have a dedicated person to deal with debt, mortgage or finance. Debt has a significant benefit in wealth creation over the long term. Too much debt is detrimental to your financial plan. Debt management is critical. Interest rate movements have enormous impact on how debt is managed and can be destructive to your financial plan if you take on too much debt. Need to make sure you have the right loan and that it is structured correctly and you are paying the right interest rate. This is vitally important in managing debt. Good debt and bad debt. Debt can be an ally when used to build financial assets due to taxation benefits. Bad debt is what we pay for once we earn our income after we have paid our tax. Buying clothes would come under discretionary and disposable income. Disposable income is for things we want now, may not need, but want now. Discretionary income is what we set aside for medium to longer term goals. Providing for the future.
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