Realise Your Dream
- Realise Your Dream
IS TRANSITION TO RETIREMENT STILL VIABLE? As many readers will be aware, legally getting access to superannuation before retirement can be rather difficult. But, back in 2005 things were made just a little easier. Find out more

The 5 Ways You WIN with M Financial Services

1. Growth of your business

Business growth is not just increasing your turnover or opening more branches. It sure can be part of the equation but should never be looked at in isolation. M Financial Services have for many years been advising all sorts of businesses on what they can do to grow their business whether it is in physical terms or just simply being a ‘better business’. Whatever your industry; whether you are a medical specialist, a farmer, a builder, a retailer or just looking to get into business, we have probably advised someone just like you before out of our 5000 clients about how to successfully grow their business. Ask us the questions that you most need answers to and have them explained to you in common sense easy to understand terms. Look to us as a business coach with whom you develop a close working relationship designed to provide real long term results, not just short term fixes for your past underperformance.

2. Cash flow - Not only positive but also enough

The most asked question we ever have to answer is “You say I made all this profit but where is all the cash to show for it?” Making a profit is not enough if at the end of the day you are cash flow starved and struggling to pay your bills. M Financial Services provide you with the answers and work with you to develop the strategies and tools to make sure you collect cash fast from debtors and don’t starve your cash flow with short term cash flow spending on long term business growth. We help you with budgets and cash flow forecasting to prepare for the unexpected. Through our totally integrated financial planning division we also have the ability to review your existing funding and prepare an application to lending institutions with the greatest likelihood of success.

3. Profit – is not a dirty word

Without a profit it is hard to convince banks and purchasers of your business that you are have a sustainable business model that they should lend to or purchase from you. Our role is to work with you and look at the areas that could be improved to increase your profitability whether it is by cutting costs, increasing sales or just making more profit out of each sale that you are already making. With profit potentially comes tax and that is also where we step in to help you. We look at your business structures and suggest tax planning measures that make sure that you pay no more tax than you are legally obliged to. This doesn’t mean paying no tax at all but it does mean efficient and effective tax minimisation. Again the wholly integrated accounting and financial planning advice model of M Financial Services provides you with advice that comes from the same page where both taxation and financial advisers work towards a common result.

4. Protecting your Assets

All too often we witness people build substantial wealth only to see it destroyed by an event that could be avoided or at worst case protected against. This may be as a result of death, accident or sickness, marriage breakdown or financial disaster. Avoidance of these events are nearly always beyond our control and sometimes your own. However measures can be put in place to protect you, your family and your assets against most of them. Whether it is through advice provided on insurance by our experienced risk management team or whether it is by working with you and your legal adviser to structure your business and personal assets to provide certainty in uncertain times, we have probably witnessed most disasters and have solutions well thought out that will work for you.

5. Planning Your Future and that of your family

For those that have read Stephen Covey’s book ‘The 7 Habits of Highly Effective People’ you will understand what it means to Begin with the End in Mind.

Too many businesses merrily sail through life (be it business or personal) without giving the end so much as a second thought. Building a business and selling it is a great way to accumulate wealth. Seeing it pass onto the next generation is often the family goal. Far too many people however start out with a dream of success but have no real plan for how they will exit their business and enjoy the fruits of their labour. We at M Financial Services push you to consider the ‘end’ and keep it firmly in your mind. We will want to know what you want and then work with you to build your business and develop a plan to achieve that ideal outcome. When it comes time to sell, we will use our business valuation processes to determine a price that is supported by your trading results and acceptable to banks providing finance to an intending purchaser.


What our clients say...
  • "One word - Trust. I know how to make money, but accounting and financial planning is foreign to me so I've had to rely on people who I trust to look after my money. I've been working with Ross now for over 20 years as an accounting client, and when my financial planner retired it was an easy transition to Andrew, particularly because of his age. Andrew is young, serious, experienced and he is a long-term thinker. There is unbridled trust both ways working with Andrew. - Read more
    - Wayne Nicholson, First National Real Estate
  • "Andrew Westcott stands out from the crowd. When there were a few challenges with an insurance matter, he went to enormous lengths to find a solution. Not only that, he is a genuinely good bloke, and he is supported by a great team at M Financial Services. I trust, respect and highly recommend Andrew to anyone needing financial expertise at any point in their life." - Read more
    - Ryan Boccalatte
  • For approximately forty years, while Ross Maclean acted as both accountant and friend, I've witnessed the addition of intelligent, hardworking people. Andrew Westcott became my financial adviser almost six years ago. Although honour is an old-fashioned notion, I have found Andrew to be honourable, as well as knowledgeable, helpful, and patient, when I really needed his help when my husband died and I didn't function for a few years. That's when you need someone who you can trust. I have recommended Andrew to several friends, and I recommend you consult Andrew if you need financial advice. - Read more
    - Roslyn Evans
  • Andrew looks after us as if we were his only clients, even though we know we are not. He is generous with his time, easy to talk to, he clarifies issues in simple terms and talks to us in a friendly and professional way. Andrew helped us make the big decisions involved in our retirement, and has never given me the impression that as a female my views are not important in any conversation or decisions making process and this is important to me. Both Don and I feel important and valued by Andrew and the staff at M Financial Services, and that has helped us feel safe and secure in our financial future. - Read more
    - Don and Gayle Zahner
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