Consultancy Services  

 

Our consultancy services provide education on wealth creation through property investment and/or debt reduction. Whilst any financial decision is always yours, I will provide guidance on a suitable path to success.

 

As an example, in my own business I use a number of consultants who specialise in different areas. Often I already know the answer to my problem but want to check that my reasoning is sound by getting them to play devil's advocate. If it's an area I'm not strong in then I'm tapping into someone else's knowledge and expertise.

 

Debt is a great servant but a terrible master. Getting control of debt is a key step on the road to wealth creation (and a good night's sleep). Being mortgage free for many is just a dream but given the right tools it is within most people's ability.  Our Mortgage Freedom Plan has been designed as an instrument to pay a mortgage off faster and put people on the track to success by reducing what is for most the biggest debt they have.

 

Property Investment is something many people stumble into. Every week I meet a wide range of property investors from those just starting out through to those that own numerous properties and on the surface know everything there is to know. I can help with education on the fundamentals of property investment through to exploring the next step such as commercial investment or creating a map towards financial goals.

 

Because we become emotionally attached to our thoughts and ideas it's good to have someone looking in from the outside to give us clarity.

 

Planning

What is the master plan? Start with the end in mind.

• Wealth Creation
• Income Goals
• Graphing progress annually

Investing Strategies

• Interest only v principal & interest
• Timing when to buy, when to sell
• Cash flow is king
• Property Investment game (getting ready for the next boom)
• Investing as a business, it either stacks up on numbers or it doesn't

 

Financing Strategies

• Wave strategy for lowering interest cost
• Structuring for taxation
• Personal debt v deductable debt
• Interest only v principal and interest

 

Risk Profile

• Growth fast / slow
• Gearing high / low
• Investing style
  

Technical

• How property investment works
• Yield Calculation (Gross / Net)
• Debt to Equity Ratios
• Tenancy Agreements
• Property Management
• Property types (advantages / disadvantages)
• Sensitivity testing
• Dangers of get rich quick schemes
• How to do the numbers in your head (or on the back of an envelope) when looking at a property

How a Banker thinks

• Loan Value Ratios, UMI calc & Debt Servicing Ratios
• Security Types
• Presentation of an Application
  

Commercial Property

• Lease Types & Terms
• Property Types (Industrial, Office, Retail, Storage etc)
• Tenants
• Yields
• Expenses
• Calculating a Property's Value

Debt Reduction

• Debt consolidation
• Making a little go a long way
• Putting a plan together
• Tracking your progress

 

There are many areas in which people look for guidance and I'm happy to be flexible in my thinking. This can be either one on one or in groups e.g. part of a company's employee well-being sessions.

 

For more information and pricing click here or feel free to contact David on (03) 379 3939 or david@dtml.co.nz

 

 

   

David Tillman

Director