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What we do

Michael Sauer, Certified Financial Planner

Michael Sauer
Director &
Certified Financial Planner ®

Many of our services can provide tangible benefits such as tax savings, super & investment fee savings, insurance premium savings and investment performance.

However, just as important are the intangible benefits of advice:

Helping you define clear and considered goals
Building a tailored plan for achieving your goals
Having a professional keep you on track for meeting your goals
Improving your feelings of financial security and financial freedom
Providing clarity and keeping you on track for the future with our detailed modelling and projections
Removing the time and stress from managing your personal finances
Helping you avoid financial mistakes
Helping you escape the opportunity cost of inaction

The problems we solve

“ We need help because we have just

“ We have never clearly mapped out the vision of our ideal life together, or determined the priority order of our goals…”

“ We are uncertain if we are on track to meet our goals, or how to get back on track…”

“ I have been burnt by a past financial mistake and don’t wish to repeat this feeling…”

“ We don’t understand our finances or have a strategy for what to do…”

“ My partner and I are not aligned with our finances, we need someone impartial to help…”

“ I’m not sure how my family or I would cope if I suffered a financial shock like a redundancy or an illness…”

“ We earn good money, but we don’t know where it goes or how to save more…”

“ I don’t have the time or inclination to manage my own finances and I would like a professional to help me…”

“ We are not sure if we are optimising our financial position…"

had a child"

Glenn & Trish: The Retirees

Glenn & Trish had worked in their own business all their life and had little super to retire on. They had a house worth $2m which was now too big for them and they wanted to move to warmer weather up north. After the sale of the house, we were able to advise them:

• How much to limit the purchase of their new house to

• To allocate additional funds into both super and personal investments

• How much to spend each year in retirement

Given their differences in age, we were able to structure their affairs so that Glenn was able to receive the full age pension straight away which provided an additional $28,000 p.a. that they otherwise would not have received.

Our strategies allowed them to have the retirement they wanted, instead of running out of money too early.

Sophie & Tim: The Overspenders

Sophie & Tim were earning good salaries however they were unable to save and this was causing them anxiety and frustration.

They had not refinanced their mortgage in many years and were paying around 1% more interest than they needed to. After refinancing they were able to free up around $10,000 p.a.
Additionally, we guided them with our cashflow service which included regular catch ups to keep them on track & access to our cashflow tracking software to provide them with visibility around their spending.

By finally beginning to save, we were able to take the stress and guilt away from their relationship with money and have them feeling positive for the future.

By unlocking surplus cashflow, we were also able to focus more on personal investments, superannuation and paying off their home loan sooner.

Chris: The High Net Worth Individual

Chris was very successful in a UK tech start up and had built a considerable amount of wealth for his age.

He had tried DIYing his wealth accumulation before reaching out for assistance. We:

• Acted as the CFO of his finances by liaising between his UK and Australian accountant, which eventually involved creating a family trust in Australia for tax purposes.

• Creating an Australian superannuation account to benefit from the available tax incentives.

• Helping to divest from a significant holding in his tech start up company so that his wealth was more diversified and secure.

• Provide focus and clarity of his goals through our goal planning and modelling services.

Caroline: The Mum (and reason insurance is important)

When life insurance claims happen it is our duty as advisers to jump into action and make sure no stone is left unturned in supporting the family.

For one of our clients Caroline, we facilitated:

• Managing her husbands insurance claim with the insurer to limit the amount of paperwork and administration Caroline needed to complete whilst grieving.

• Creating a plan for meeting short-term living expenses.

• Liaising with a commercial and estate planning lawyer to facilitate a successful sale and exit from a business.

• Creating an investment plan for the life insurance proceeds.

• Modelling to guide Caroline on whether and when she would need to go back to work.

• Increased Caroline’s own life insurance coverage to reflect her new needs.

Tony & Jen: The Business Owners

Tony owned his own plumbing business and was paying a significant amount to rent a factory that his business was outgrowing. Instead, we were able to set up a Self Managed Super Fund (SMSF) for Tony and his wife Jen, whereby they could:

• Use the money from their super to buy a better business premises

• Use the rent from the business to pay into their own super fund, thereby benefiting their future retirement

• Have security regarding the business premises as they were no longer at the mercy of an external landlord

Whilst we were setting this up for Tony and Jen, we were also able to re-do their life insurances which hadn’t been updated for about a decade and save them thousands of dollars in insurance premiums.

How we help

A man with daughter requiring life insurance

a father and son discussing tax planning

a disabled man requiring TPD financial advice

A young couple talking about debt management

a divorced couple talking about their divorce

a professional working examining her employee share plan

As featured in

Michael has appeared in the Independent Financial Adviser publication

Michael has appeared in the Forbes Advisor publication

Home: Headliner

Source Wealth has many 5 star google reviews

We have been using Michael at Source Wealth for 12 months now. Michael has gone to great lengths to first help us establish a plan to teach our personal goals re retirement as well as supporting us to make sure we stick to the plan. We would not hesitate to recommend his services to anyone looking for similar support or any other type of financial advisory.

- Jeremy 2024

We have helped hundreds of clients move from feeling financially stressed, uncertain or paralysed by indecision to feeling confident and excited by their financial roadmap and vision for the future!

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Our Process

Source Wealth Financial Planning and Appointment Process

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support@sourcewealth.com.au