My name is Monique Message, Director of Black Onyx Financials.
I am a financial coach/planner and am passionate about helping you meet your financial aspirations, to feel less financial stress and to help you create more time to live your life the way you want.
The Black Onyx Difference
Financially advising families, who have children with disabilities or learning difficulties.
Particularly close to my heart is helping those who contend with disabilities or learning difficulties within their families or friendships. From my experience in dealing with clients in this situation, two of the biggest obstacles to seeking financial advice and guidance are TIME and AFFORDABILITY.
I will help you alleviate these obstacles, and by working closely with you, will ensure that you are making the right steps in meeting your future desired outcomes, objectives and goals.
Mapping your financials needs and wishes for you and your family
- Set your financials goals and achieve them
- Make the most of your money
- Debt reduction
- Avoid expensive mistakes
- Protect your assets
- Savings for education needs
- Feel more in control of your finances and your life
- Holiday savings
Goal setting/budget planning
After we have mapped your financials goals the next step is to set your goals which should be SMART (Specific, Measurable, Achievable, Realistic, and Time-bound).This can provide you with the freedom to do what’s most important to you with the people you care about the most. The key to meeting your goals is budget planning. We can do this by using innovative digital tools to help make this manageable and easy. This will lead to me helping you to get your entire financial house in perfect financial order and keep it that way forever.
Personal risk insurance protects your wealth accumulation strategy by providing money if you are no longer able to earn an income due to disability, trauma or death. The money received can help with medical bills, loan repayments and living expenses. Many people often underestimate the importance of personal insurance. This has led to underinsurance in Australia. It is important that you consider having enough cover to replace your income and cover expenses so that the personal tragedy does not create financial tragedy. You can apply for insurance to cover you in the event of death, temporary or permanent disability, or trauma (critical illness).
Ensuring you have your estate planning in order is a very important part of your financial planning. With a carefully constructed Will, you will ensure that you look after your family and can direct how your estate is to be distributed. I work together with a specialist asset protection lawyer to ensure your estate planning is correctly executed. This will include a valid Will, Enduring Power of Attorney, and/or an Enduring Power of Guardianship.
My investment philosophy is built around your needs and objectives. Therefore what I choose for you will depend on your investment time frame, life stage and attitude towards investing. From here I construct a diversified portfolio designed to be the most cost effective and efficient for my clients needs.
How I work
Accomodating your family as much as possible
My wish is to be able to meet with you, hear your unique story and understand what is important to you. By talking about your situation I can work with you in a collaborative relationship on practical outcomes to help you focus on your family and your financial future.
Some of the following may resonate with you:
Always stressed & anxious about money and everything that affects money
Working but not saving
Living from one pay check to the next
Concern about your future income
Will i have enough to live on when i'm older and no longer working and would their be a legacy for my children.
Quality family time
Having the freedom to do what's most important to you with the people who are the most important to you
Peace of Mind
What would happen to my family if i were no longer around, how would my family cope financially.
Can i afford to send my children to private school if i choose to in the future
Let me help you make financial life choices and alleviate financial concerns.
I have practiced as a financial planner for over 10 years with combined industry experience of over 25 years. I have a Graduate Certificate in Financial Planning and continue to build my expertise through completion of my Masters in Financial Planning.
I found Monique really listened to what my goals were and put together her recommendations to me in a timely manner which were simple and easy to understand. I am very grateful for her advice
We were concerned that if something happened to David and he wasn't able to work what we would have done. We were so glad that Monique was able to ensure our family was looked after if something happened and even recommended that i have insurance cover in case i was injured and unable to look after Chole that David would have a funds to look after her if i couldn't. It was a load off our minds.
"Monique was patient and really considered our situation. She suggested we make a time with her in attendance with an estate planning lawyer where we set up a trust account for our son Ben so our legacy would ensure he was financially able to pay for his ongoing care if we weren't around. The professionals including Monique considered all our estate needs which included nominating my sister as Guardian for Ben if we were no longer around. We were happy and relieved that all our children would be financially looked after without them having to worry about how this was done. Thank you.