Finance and Debt Management

If you get your debt right, financial security will follow.

That’s why we make debt management a key part of your financial plan. It is one of the first things we look at for all of our clients.

Debt touches most things that we do. Few of us buy homes without taking on a mortgage, and even fewer can afford to make an investment without any debt.

But it is not just this ‘big debt’ that matters. There are other types of debt as well. Who doesn’t have a credit card (or three)? Or a car loan? Or even a HECS debt that needs to be repaid? Managing these debts properly adds significantly to your ‘bottom line.’ When you save money on debt repayments you free yourself up to move forward somewhere else. The money you save can be used to make extra super contributions, to seed an investment, to upgrade your home or just to do something nice like take a holiday or eat out a little more often.

And it is not just a matter of minimising interest. We help you ensure that your loans are structured properly, so that you can optimise everything else that debt touches. This includes things like tax deductibility, asset protection, repayment prioritisation and personal maintenance.

We can also provide credit services to organise home loans, investment loans, reverse mortgages, LRBA loans for SMSFs, credit cards and all other forms of debt. Our credit services are all provided under the authority of a licenced credit provider within the Australian Credit Licencing System.

Peter Robert Banicevic

Director and Financial Planner

Peter Banicevic – Director & Financial Adviser
BComm, GDip Fin Planning (Kaplan)
Authorised Representative (ASIC 330835)

Peter, is our fulltime financial planner and is dedicated to providing advice to clients to improve their financial futures. He has been providing advice to clients since 2008.

Financial advice is more than just investments, it’s more about having the right strategies in place to achieve your financial and lifestyle goals. And with a financial “coach” in you corner, you will make better financial decisions whichever stage of life you are at.

His approach blends the common sense, is easy to understand and focuses on client goals to achieve results for clients.

In 2008, Peter became an authorised representative of Count Financial Limited. In 2012, Peter is was an authorised representative of Securitor, which is part of the BT/Westpac group.

In August 2015, Peter become licensed via Dover Financial Advisers Pty Ltd. And currently since July 2018, Peter is licensed by Lifespan Financial Planning Pty Ltd.

Peter is authorized to provide advice on:
- Superannuation & Pension Funds
- Self Managed Super Funds
- Shares
- Retirement savings products
- Personal Insurance products
- Margin Lending
- Managed Investments

And also provides advice in regards to:

- Centrelink matters
- Aged care financial costs and requirements
- Arranges Equipment finance and home loans via our partnerships with lending managers to get the best outcomes for our clients.

Peter obtained a Bachelor of Commerce from the University of NSW in 1993, and has a Graduate Diploma in Finance and Investment from Kaplan (previously the Securities Institute) and a Graduate Diploma in Financial Planning with Kaplan (2010).

He has worked with financial planners and their clients in his previous roles with Ord Minnett, Leveraged Equities & Adelaide Bank largely in customer service and business development. He has worked in the finance industry since 1993.

Peter in his spare time likes to spend time with his young family but also likes yoga, listening to kirtan music and sports.

Peter’s philosophy is, "You work to live, not live to work so live more simply and think about the higher more important things in life." Email Peter: peter@pracwealth.com.au

Peter Robert Banicevic is an authorised representative (330835) of Lifespan Financial Planning Pty Ltd (AFSL 229892).

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