Being able to help people is the cornerstone of a successful business.

We would love for people to be able to share a story of how you were able to help a particular customer in 2018 and why it put such a smile on your face?

Hi Guys,

I started my business about 18 months ago as a way to get out of the aligned bank network and work closer with my clients instead of being a product flocker. The recent Royal commission drills home the fact I made the right decision as I have not had one awkward conversation or lost a client as a result of what is happening.
My approach to advice has changed and I work closer with my Small business clients to identify how I can help not only from a Financial view but also how they market themselves, how they separate their personal lives from work and how the separate cashflow. The feedback has been positive and makes me remember why I became an Adviser. The reviews on my Social Media are all real clients and are still with me today.
One particular client who thought it was impossible to buy a place bought one within 6-8 months of cashflow advice down in Tasmania as that was a goal which we achieved through planning, online management tools, execution and most importantly the willingness to change.
This puts a smile on my face as it shows Advice does help.

Ronald Pratap
Principal Financial Adviser
RP Wealth Management
Level 2, 351 Oran Park Drive, Oran Park 2570
T: 02 9188 1547 M: 0434 502 079
E: ronald.pratap@rpwealthmanagement.com.au
W: www.rpwealthmanagement.com.au
Please click follow on my simplyaskit profile page - https://www.simplyaskit.com.au/profile/1283/ronald-pratap

this is my favourite story about a taxpayer who walked in planning on going to jail and walked out the happiest man in Lake Macquarie.

Ron (whose name has been changed for obvious reasons) had failed to lodge a tax return for 17 years 17 YEARS!!!!!!! he got busy for a few years and kept putting it off and then got nervous about being late and getting fines, so he just stopped altogether. and the longer this went on the more terrified he became about getting in trouble, and the less likely he was to get his affairs in order.

Meanwhile his wife Jill, who had no clue what was going on, kept all his receipts in a shoebox, with his group certificate and bank statements every year and gave it to him on a RDO and told him to go get his shit sorted. Every year.

you know what ROn did???? he went to the pub. every year. and every year he would sit at the pub staring at his shoebox of pain and consider how much he would enjoy sharing a cell with Bubba. and then he would go home, tell Jill he was all sweet and the refund was on its way........he even gave Jill a bit of cash every year to perpetuate the myth, a few weeks later.....

so after 17 years of living in terror, Ron finally worked up the courage to come have a quiet chat with me......and he was seriously the most miserable-looking bloke you could ever see in a reception.....you would have thought I was gonna tie the noose around his neck.....

Ron had no idea that for each and every year he was entitled to a refund. and as it turned out, it was not an insubstantial refund for each year.....because god bless his employer, who failed to update his tax tables regularly, so the PAYG W was overcooked by a significant margin.

so when I did all his returns and called him in to get the news, he came in , sat down and sighed and then said , "right son....what is the damage?"

"Well, Ron, after claiming all your work-related deductions, and taking into account rebates and whatnot, the total amount is $42,000"

"$42,000!!!!! where am I gonna find $42,000???? My missus is gonna KILL me!!!"

"No Ron, I think you misunderstood me mate. Its a $42,000 REFUND mate."

Ron got himself a new set of dentures, took his wife on a long-overdue holiday, and paid a big chunk off his home loan.

Needless to say Ron is now my first tax return each and every year now.......

Good old Ron......puts a smile on my face every time I see him. He is my biggest fan, and I get a kick out of seeing him every year!!!

Really proud of this one!
A young mother on a forum I am on was distressed as her bank had pulled out of funding their home construction as the builder had already started the project before the bank came to value it.
I offered to look for a solution and was able to find a private lender in NSW who were able to take on the build and they will settle on Tuesday and get on with their family’s dream.
It took me about 10 hours of work and although I’m not being paid, the outcome is worth every minute.


"If you are looking for a broker or advice in regards to lending I highly recommend Scott Howell. He went above and beyond for us!

We had been let down by a previous brokers recommended to us ie not following up, not keeping us up to date with progress and also not trying very hard when they found out our situation wasn’t a straight forward one.

Exceptionally happy with Scott "😊

🌟🌟🌟🌟🌟