Emily Bowker- Financial Adviser & Mortgage Broker in Young, New South Wales | Financial planner

Emily Bowker- Financial Adviser & Mortgage Broker

Locality: Young, New South Wales

Phone: +61 2 5337 8333

Address: 160 Boorowa Street 2594 Young, NSW, Australia

Website: https://www.cultiv8fp.com.au

Likes: 115

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25.01.2022 Great article and content from the Young Witness as part of their First Home Buyers Series https://www.youngwitness.com.au//how-to-know-your-home-l/ We can help you source the right home loan for your needs, set you up with a solid plan on how to repay your home loan faster with tried and tested strategies that are both cashflow and tax effective.... Why not give us a call if you are looking to source a home loan or after a better deal on your existing home loan!

25.01.2022 Additional support regarding childcare subsidies! https://www.servicesaustralia.gov.au//applying-during-temp

25.01.2022 We absolutely love working with Amber!

24.01.2022 Dr Shane Oliver always writes with you the investor in mind- it is free of OTT financial jargon and simplifies investing and the current market #stayhomeandstaysafe #bestnottotryandtimethemarket #dollarcostaveraging #peopleyoutrustadvicethatworks #unlockyourfinancialpotential

24.01.2022 Looking to buy your first home join Amber from Cultiv8 Conveyancings webinar!

24.01.2022 It's a new financial year- 2020/21, are you going to let your money control you or are you going to take control of your money? We are in the business of helping clients control their money, with strategic financial advice! Why choose us?... Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #motivationalmondays

23.01.2022 With the End of the Financial Year looming- are you making use of the government entitlements on offer???? The Government Co-Contribution is a great way to boost your super balance for eligible participants. At Cultiv8 Financial Advisers we help clients maximise their entitlements by the strategic application of legislation to their position.... Why choose us? Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #maximiseopportunities #endoffinancialyearplanning

20.01.2022 Did you know that we help clients with their debt! With strategic advice around how to structure your home loan, pay down your debt faster, we can release you from the grips of the bank earlier than you may have imagined Our sister firm Cultiv8 Finance Brokers will work alongside us to source you a home loan with a great rate, low fees and that aligns with the advised structure.... Discover how we can help you take control of your debt and smash that home loan out of the park! It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/ Why Choose Us? Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #wedohomeloans #debtreductionstrategies

20.01.2022 Keeping you all informed!

20.01.2022 Does your business have a Will? How will your business manage an involuntary exit of a business partner??? Great article from our friends JMA Legal- https://jma...legal.com.au/does-your-business-have-a-will/ Did you know that we will work with your legal team to assist with finding appropriate funding solutions to support your business Will, Buy/Sell Agreements and Key Person replacement It all starts with a conversation #ProvidingSolutions #peopleyoutrustadvicethatworks #smallbusinesssolutions

20.01.2022 We are keeping active whilst the team work remotely, have some fun and friendly banter, raise money for a great cause- Cultiv8 Financial Advisers have joined th...e 50K in May Challenge to Leave MS Behind! Get behind our team and please consider donating to this worthwhile cause! We promise to send you some great images of us out clocking up the kms!

18.01.2022 Did you know that we are part of the largest privately owned financial services licensee in Australia! We aren't affiliated to any product providers. We will propose best fit solutions to your individual needs.... Why Choose Us? Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/ #peopleyourtrustadvicethatworks #unlockyourfinancialpotential #clientsbestinterests

18.01.2022 We have decided to implement our social distancing procedures as of tomorrow morning, we will continue to look after all our valued clients remotely using technology and virtual meeting rooms- where possible. Take care everyone xx Ems

17.01.2022 I absolutely rate Anthony Murphy - Red Star Insurance Brokers and his team!

17.01.2022 We are in the business of helping you find financial freedom, remove the what-ifs from your financial future, with strategic financial advice! Why choose us? Qualified Financial Advisers... Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #motivationalmondays

16.01.2022 Emily and her team understand the true value of life insurance to those you love! We are specialist personal insurance advisers who will organise your insurance cover so that it takes care of those you love. Why choose us?... Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: http://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #protectyourlovedones #lifeinsurance #protectyourwealth

16.01.2022 Another round of stimulus!- Job Seeker partner income threshold increased also! Stay Safe

14.01.2022 Did you know that we will collaborate with your chosen financial advisory team! Be it your accountant, solicitor, mortgage broker, general insurance advisor, farm advisor etc Our clients choose their team and we will without bias collaborate with the members of the team in their best interests. Why Choose Us?... Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/ #collaborationnotcompetition #clientsbestinterest #noselfinterest #peopleyoutrustadvicethatworks #unlockyourfinancialpotential

14.01.2022 If you are looking to sell your home or investment property but unsure of how or where to start- lock this webinar into your diary! Cultiv8 Conveyancing

13.01.2022 Concerned you'll never save enough money for that trip you have been dreaming of, or that you will have the home loan paid off in enough time to enjoy life? We can help you live your ideal life sooner with strategic financial advice and empower you with confidence about your money choices both now and in the future. Let us be part of this journey to financial freedom!... Why choose us? Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: http://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #liveyourideallife #financialfreedom #strategicfinancialadvice

13.01.2022 This amazingly talented and professional chick and mother can handle all your Conveyancing work with ease! Xx

11.01.2022 You got it - all strategic financial advice begins with a conversation! Here at Cultiv8 Financial Advisers, Emily spends time getting to know her clients, what makes them tick, what's important to them now and into the future, who are they responsible for, what are their responsibilities, what concerns them the most about their financial position? We believe to be able to truly deliver valuable strategic financial advice we must understand our clients.... " financial advice must align with the clients own values " EB Why choose us? Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: http://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #itallbeginswithaconversation #valuesbasedadvice

11.01.2022 Receiving this feedback brought joy to our entire team- We love what we do! "I have always been told I make a decent salary, however I always felt broke. I felt we as a family were not obtaining our financial goals such as re-doing our home, obtaining appropriate life insurances, and planning for our retirement. I had read the Barefoot Investor and was reading everyones success stories of reducing debt and paying off their mortgages etc and it seemed that we were still livi...ng from paycheque to paycheque. Then I saw someone mention Cultiv8 Financial on Facebook having Cultiv8 as our accountants it was an easy decision to make. I was scared that this was going to be an overly expensive process that I would be unable to afford and place us in debt. However with Emily and her teams fantastic advice it was well worth it and we did not even notice the fee. This was such a seamless process for us, Emily and her team were always in contact and if I felt I was losing contact I would reach out and obtain a response quickly. They never made me feel I was an inconvenience or that I was pestering them. They were able to work within our time and scheduling constraints, and were able to be flexible. Emily really made the effort to get to know me and my spouse and to ensure that we were all on the same page in terms of financial goals we wanted to achieve. They kept us very much informed along the way. Since obtaining financial advice (it has not even been six months) we have been able to start our home renovation journey, my superannuation has been increasing, and my family is financially safe if something were to happen to myself or my spouse. I am still in the process of obtaining some savings, however Emily and her team will be helping me with that as well. Considering we have since gone from a two income home to a one income home, we are not doing half bad, and my anxiety has reduced significantly. I cant thank you enough Cultiv8 Financial." Sarah xx See more

10.01.2022 Another great article from Dr Shane Oliver- Keep Calm and Carry On! The majority of recent trading activity has been via automated trading programs, and that th...is has contributed to the enormous daily swings we have seen. More recently buyers have stepped out of markets, and those that needed to sell had no option but to do so by pushing prices substantially lower. Declines overnight and even a trading halt in the US markets had the futures indicating another 4% loss for the local market this morning and this is very close to what occurred. However, we have since seen buyers step up and the benchmark index actually regained the previous nights close by late morning. While that is a welcome sign of support, we will see volatility continue to be a feature for some time to come.

10.01.2022 Need your Estate Planning documents reviewed or drafted- these can be done from the comfort of your home with the team from JMA Legal!

09.01.2022 Did you know that we have been doing the 100% fixed fee thing for 3 years for initial and ongoing advice- and we love what it brings to our clients. We love that our clients aren't worried about contacting us for fear of being stung with a great big bill! (we won't charge for those short emails or for a 5 minute phone calls) This doesn't mean you get advice at a bargain basement or a next to nothing fee, but it does mean that your advice fee will be based on the scope of the ...work and value we can add to your financial position and you will know what this is before we commence any formal work. Our clients tells us they love fixed fees. Why-- The fee certainty. No surprises. Why Choose Us? Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/ #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #fixedfeeservice #financialadvice

09.01.2022 We are in the business of bringing dreams to life, with strategic financial advice! Why choose us? Qualified Financial Advisers... Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #motivationalmondays

08.01.2022 Once again Dr Shane Oliver take us through investing for the long term in his usual calm and logically manner! He again demonstrates the long term performance o...f shares vs bonds and cash, the outcomes of trying to time the market. At Cultiv8 Financial Advisers we remain focused on the long term view of our market recovery and remind you all to "turn down the noise", stay calm and trust that your team have your back! In a time of much uncertainty the one thing we can be certain of is that we will recover! If you have any concerns please reach out to us via email [email protected] or on 02 5337 8333

07.01.2022 Another article for First Home Buyers- the mortgage maze is real! My role is to guide you through the process and undertake the heavy lifting, liaise with the banks If you are hunting for a house and looking for a home loan, we are ready to help you!... Ph: 02 5337 8333 https://www.youngwitness.com.au//how-to-find-help-to-nav/

07.01.2022 With only 13 more sleeps until the end of the financial year- is making a personal super contribution on your list of things to do?! Many of Australians superannuation funds have deadlines for making contributions via EFT or Bpay to ensure the contribution is applied to your fund this financial year- Are you aware of your super funds cut off date??? Speak to us to find out if you should be considering a personal deductible super contribution and what strategic financial advic...e could do for you. Why choose us? Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #maximiseopportunities #endoffinancialyearplanning

07.01.2022 So why are we the Lucky country!

06.01.2022 Did you know that we can now consult with your digitally! Covid lock-down fast tracked our digital technology and we have embraced it! We can now meet with you from the safety and comfort of your home.... Why Choose Us? Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/ #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #servicingclientsfromthesafetyoftheirhomes

06.01.2022 I specialise in personal strategic based insurance advice!

05.01.2022 Did you know that we don't sell insurance or superannuation We work with you to make the most effective financial choices to achieve your goals. We are all about equipping you with an understanding of your current situation, explaining how it will or will not enable you to achieve your goals and supporting you with information and advice to make the next move towards living your ideal life with financial security.... Discover how to we can assist you.. It all begins with a conversation! For an obligation free chat, get in touch with us here https://www.cultiv8fp.com.au/services Why Choose Us? Qualified Financial Advisers Honest and Transparent Approach Committed to delivering results #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #liveyourideallife #lifestagesadvice

05.01.2022 Thank you to our friends Cultiv8 Accounting for putting together a comprehensive summary of the COVID-19 Government stimulus package.

04.01.2022 There has never been a better time than right now to take control of your finances! We will show you just how simple it is to grow your wealth and secure your financial future with strategic financial advice tailored just for you. Why choose us?... Qualified Financial Advisers Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: http://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #brightfuture #financialfreedom #financialsecurity #growwealth

03.01.2022 Are you getting eaten out of house and home with the kiddos at home! This looks fun! It will teach our children about work for reward(wages) and budgeting-, so developing their financial literacy skills. But they could also become marketing consultants by writing advertisements and producing small videos to attract customers What a fun day of learning! Show me your tuck shops and marketing strategies!

01.01.2022 We are in the business of helping you find ways of obtaining passive income streams and building wealth, with strategic financial advice! Why choose us? Qualified Financial Advisers... Honest & Transparent Approach Committed to Delivering Results It all begins with a conversation! For an obligation free chat, get in touch with us here: https://www.cultiv8fp.com.au #peopleyoutrustadvicethatworks #unlockyourfinancialpotential #motivationalmondays