Financial Lifestyle Partners has evolved out of experience gained over more than 30 years in the financial planning industry.
As a leading boutique financial planning business, we provide advice and guidance to help our clients meet their financial, lifestyle and business goals.
Craig Ralph and the team at Financial Lifestyle Partners has designed a unique approach to client service standards and professional culture.
One of our many points of differentiation is delivering high quality service and advice on a “fee for service” basis.
We are always looking to add value to our clients where we can, and we continue to do this exceptionally well.
We assist you in making smart financial decisions by keeping you informed on the latest trends and strategies.
We are applying for the role of your ‘Financial & Life Planning Coach’. We provide motivation and discipline to achieve your lifestyle goals.
We are a team of professionals with an ongoing commitment to education and research, and achieving the highest standards of service delivery.
When assisting our clients, the team at Financial Lifestyle Partners draws on their combined extensive experience of over 150 years of financial services industry experience.
We were one of the first to launch a fee for service client model back in 1997. Our clients see great value in knowing exactly what they are paying for.
You can take comfort knowing we are partnering with you throughout the journey towards achieving your core lifestyle goals, ambitions and objectives.
"It has been a pleasure partnering with Craig and Tyson as they have guided me through the intricacies of financial planning".
“We have recommended their services to many, and will continue to do so, with the utmost confidence".
“Before FLP’s guidance we didn’t think retirement was possible and now we live a comfortable retirement".
"FLP has alleviated many of our issues both mentally & physically, giving comfort to everyone. Thank you”.
“I didn’t think I would be in a position to clear my mortgage so quickly, and now thanks to the advice from FLP I’m now able to realise this”.
"The FLP offering has allowed us to continue to enjoy our retirement years and not have to worry”.
Superannuation tax rules are changing again and there are implications for those with very large balances as well as those on lower incomes.
Buying a first home is one of the biggest financial decisions a person can make. There are so many questions to consider it can be hard to know where to begin.
If you exceed your concessional contributions cap, the excess concessional contributions (ECC) are included in your assessable income.
Buying a home is becoming increasingly out of reach in many of the world’s top cities.
We plan for holidays, home renovations, and retirement but we’re less likely to plan for the unexpected. Life insurance is one quiet but powerful way to protect the people you love from financial stress if something happens to you.
For the financial year 2025-26, the concessional super contribution remains cap remains at $30,000. The non-concessional annual contribution cap will also remain at $120,000.
Aged care facilities will now retain 2% of the RAD per year, for up to five years, from the time the deposit is paid.
From 1 July 2025, the Government will reduce the tax concessions available to individuals whose total superannuation balances exceed $3 million at the end of the financial year.
Interest rates are a hot topic in 2025, with major economies navigating inflationary pressures and the loosening end of their monetary policy cycles.