How to gain financial certainty, control & confidence in 9 strategic steps.
Enter your name and email address below to download the Ultimate Financial Independence Guide - the simple mind-map showing you precisely what steps to take to improve cash flow, create real wealth, protect what’s important and make smarter (and more strategic) financial decisions.

Ultimate Financial Independence 

Creating true financial independence can be frustrating! With the myriad of confusing and overwhelming options to consider, it is sometimes difficult to feel like you are in control and avoid making the wrong decisions…

That's why we created the Ultimate Financial Independence Guide.

We know that you expect a much better lifestyle and want to be significantly more active in your retirement than previous generations, so it's important that you prepare yourself financially for the life you want to live - both now and in the future.

This guide will help you understand the options available to you and show you:

  • How to stop procrastinating and take back financial control…

  • The key steps to improving cash flow and getting ahead financially…

  • Why good debt management is essential (and how to achieve it)…

  • The biggest thing to remember when automating your money management (and the simple tools to make it work seamlessly)…

  • The 9-point framework for taking control, inspiring confidence, and providing certainty on your journey toward financial independence…, and

  • Why a better understanding of ‘money mechanics’ is a critical part of increasing wealth and financial stability.

  • BONUS: Access the Independent Wealth MIND MAP

In this guide, we’ll show you the steps I take my clients through when developing a financial independence plan that take the confusion out of money & finances, help create strategies that allow CHOICES around how to achieve the lifestyle & retirement that they want (and have worked so hard for), and finally be able to live life on their own terms.
Control Your Budget

Controlling your budget means having complete certainty around where your money is going on a day-to-day basis, recognising ‘money in’ vs ‘money out’, and whether you ultimately have an income surplus or a shortfall. It’s about giving yourself the best probability of financial success making accurate (and quality) decisions when it comes to money and spending…

Manage Your Debt

Understanding good debt management is an essential part of proper cashflow management. It lays down the platform for you to see where there are taxation inefficiencies, affordability problems or behavioural issues that are potentially holding you back from achieving financial success or living the lifestyle YOU want. 

Automate Your Finances

Automating certain aspects of your finances will allow your money coming in to ‘flow through’ to the right areas in line with your budget & debt plan to make sure your fixed ongoing expenses are always covered. It also highlights any surplus funds that could be re-directed towards your goals or a savings plan. You need to eliminate any confusion around your various banking structures and set realistic (and achievable) expectations.

We designed this guide to help you make smarter money and retirement decisions and inspire you version
of Financial Independence.

Meet The Mind behind The Mind Map...

Norma Falconer is an experienced financial services professional and has been working in the financial advice profession since 1989.

Born and raised in South Africa, and having her father die at age 39 in a motor car accident, put her on the road to her destiny early in her career.

Norma also has a passion for helping her clients enjoy their best lives possible. She has an un-canny knack of being able to work with her clients in a proactive and ‘forward focused’ way to help them achieve better financial and lifestyle outcomes.

For years now, Norma has helped to formulate bespoke financial strategies that focus on optimising cash flow, creating wealth, and protecting what is important. She also enjoys the technical and complex areas of the financial advice landscape.
What this means to you is that you can benefit from Norma’s skills and experience to ensure you have quality financial advice tailored to meet your specific needs and objectives both now and in the future.  

She does this by aligning your financial strategies with your values and goals, while also being conscious of optimising cash flow, minimising tax, growing wealth, managing investments, and navigating complex government legislation and rules.

Norma is highly qualified and holds many of the highest designations available to financial advice practitioners, making her one of the most technically component financial planners in Australia.

This information in this guide does not consider your personal circumstances and is general advice only. You should not act on any of the information without considering your personal needs, circumstances and objectives. Think Capital Pty Ltd, Normadian® Pty Ltd and Norma Falconer recommend you obtain professional financial advice specific to your circumstances.

Think Capital Pty Ltd, Normadian® Pty Ltd and Norma Falconer is not liable for any loss caused, whether due to negligence or otherwise, arising from the use of or reliance on, the information provided directly or indirectly by use of this guide 

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