Ignite Wealth

Ignite Wealth is a Scarborough advisory practice associated with financial adviser Michele Kruger. It starts by learning what matters to each client, including personal values, lifestyle priorities and time frames, before developing a financial strategy.

The advice journey covers the first conversation, preparation of recommendations, implementation and ongoing review. For people approaching retirement, superannuation, investments and likely future expenses are considered together rather than as disconnected questions.

Financial planning connects income, spending, liabilities and family responsibilities to goals with different time frames. The distinction between accessible reserves and money intended for future milestones provides a basis for later investment choices. Retirement planning considers both the transition out of employment and how savings will be used afterwards. Superannuation access, regular expenditure, cash reserves and longer-term investments may each have different roles. Superannuation advice connects contributions, investment settings and access to benefits with a client's broader retirement plan. Savings held outside superannuation may also be relevant to the timing of future withdrawals.

Ignite also addresses cash-flow and debt planning, with protection and estate considerations where relevant. Maintaining close adviser contact helps clients revisit financial choices when family or employment circumstances change.