Planning your life goals

Rising Tide Financial: Life Planning and Financial Freedom

I’m ready to plan for life

To live your best possible life, you need to be organised. Good planning gives you room to grow, from health and education to employment and relationships. In today’s busy and often chaotic environment, one element ties all of these things together—finances. At Rising Tide, we deliver comprehensive financial planning services for people at all stages of life.

What is life planning?

Most people aren’t excited by “financial planning”, but we politely disagree. We live and breathe finances, combining established strategies with innovative techniques tailored to each client. When it comes to finances, good planning is the key to living a happy and fulfilling life.

At Rising Tide, financial planning is life planning.

The freedom to say yes

Money may not buy happiness, but it can put you on the right path. While you don’t need unlimited funds to enjoy a fantastic life, the ability to manage what you have is fundamental. At Rising Tide, we believe effective money management gives you the freedom to say yes.

Proper financial planning is about putting yourself in the right position to enjoy life. You’re free to say yes to that overseas holiday, yes to buying your own home, and yes to achieving financial security during retirement. However, you need solid foundations to say yes with clarity and confidence.

At Rising Tide, we offer creative financial planning solutions for hard-working people. With our support and guidance, you can achieve success and enjoy the benefits of financial freedom. Plan for life today and say yes to your dreams.

Step-by-step guide to life planning

The road to financial success is rarely straightforward. Depending on your age, financial position, and long-term goals, it may involve many hurdles and more than a few compromises. At Rising Tide, we create financial plans that align with your dreams. We help you set realistic financial planning goals and implement smart strategies to put you on the road to financial freedom.

Here’s how to make a life plan in three phases:

Personal consultation

Everything starts with an in-depth consultation. We will meet with you, listen to your goals, and get the necessary information to move forward. This phase is integral to our process.

Financial review

Once we have all the necessary information, we thoroughly analyse your financial situation. From income and expenses to savings and investments, everything is taken into account:

  • Current and future income
  • Taxation obligations
  • Debts, bills, and repayments
  • Properties and investments
  • Desired retirement age
  • Lifestyle expenses

Freedom Planning

The third and final phase is about creating a life plan that works for you. We will show you how to plan your life and transform your financial situation. This financial plan includes everything from life insurance to debt management, and it’s based on your current circumstances and future dreams.

Financial planning as a long-term journey

We believe financial planning is a marathon, not a sprint. Effective life planning isn’t about getting rich quickly—it’s about setting up sustainable systems that work for your lifestyle. You can finish the race in style by building solid foundations and making smart decisions.

Tools and resources for effective planning

Planning for life is much easier with industry expertise and financial resources. From mortgage and tax calculators to loan comparisons and credit guides, sound financial planning demands the right tools. Explore our website to browse superannuation services, look at success stories, and review our process.


1How do I start planning my life goals financially?

2What are the key components of a successful life plan?

3How often should I review and adjust my life plan?

4What is freedom planning, and how does it relate to financial planning?

Success Stories

  • Photo of Nick Graham

    Nick Graham

    Former Australian rules footballer Nick Graham discusses his Rising Tide journey. Read Nick's full story

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  • Photo of Lyn & Geoff

    Lyn & Geoff

    On reflect 12 months later we are so grateful we had the insurance and the support of Matt... Read Lyn's full story

  • Photo of Sam Rowe

    Sam Rowe

    Former Professional Australian Rules Footballer, Carlton Football Club

    I was lucky enough to meet Matt Hale at a club function. I decided to go in to meet the team and it just felt like a perfect fit. Read Sam's full story

  • Photo of Kane Baker & Rebekah Elmaloglou

    Kane Baker & Rebekah Elmaloglou

    We knew we wanted to put our money to good use, but we didn’t know too much about how to get started, so we sought help from the team at Rising Tide Financial Services. Read Kane's full story

  • Photo of Ben O’Neill

    Ben O’Neill

    I’ve learned so much from working with the team at Rising Tide. They helped me to understand and organise my finances, helped me to put a strategy in place to work towards buying my first home. Read Ben's full story

  • Photo of Tim & Vesa

    Tim & Vesa

    Friends of ours had recommended that we get in touch with Rising Tide Financial Services...Little did we know, it would turn out to be one of the best decisions we’ve ever made! Read Tim's full story

  • Photo of Anthony De Leo

    Anthony De Leo

    Sales Manager, Audio Visual Revolution Pty Ltd

    Having income protection, it’s obviously important in case things go wrong, you’ve got some back up. Read Anthony's full story

  • Photo of Alistair Tubb

    Alistair Tubb

    We’ve managed to get into a home that would allow us to grow which is great. They tied it all in together and it made sense to have a one-stop-shop. Read Alistair's full story

  • Photo of Fenella Wagener

    Fenella Wagener

    PR and Media Manager, Universal Music

    They helped us work out what are our expenses, and how much money can we save a month, and it’s crazy to think how much you can be saving a month! Read Fenella's full story

  • Photo of Trish Curtis

    Trish Curtis

    Self-employed bookkeeper

    Right from the outset, Ali was so easy to work with. There just wasn’t the pressure I had experienced when working with other advisers. Read Trish's full story

  • Photo of Peta Currie

    Peta Currie

    Single parent

    While it’s fantastic to receive the income, I know that all of the paperwork can be really challenging for some people, and Matt has been a fantastic help. Read Peta's full story

More Success Stories


  • Ed Curnow

    Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in order.

  • Amanda Vallis

    Great team! Braden was especially helpful in getting my finances sorted for my business.

  • Shae Thomas

    Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their office, which is, you know, great.

  • Bradley Clarke

    Felt 100% care and commitment to my needs. Always highly responsive to requests for information and support. A+

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