Taking you to Financial Clarity and Being in Control of your Finances

The people we help normally want to solve three main problems:

  1. They want to stop feeling overwhelmed by too much information, too many options and too much complexity

  2. They want more TIME and FREEDOM to do the things that align with their life goals

  3. They want results, want to take action and are looking to clarify their goals to achieve financial success

Sound like you? Think Capital is here to help!

Think Capital provides Strategic Financial Planning Advice to Business Owners, Professionals, and FIFO workers, in technology, mining, and associated industries. We help you to get CERTAINTY, CONTROL, and CONFIDENCE over your finances, giving you Ultimate Financial Independence

The Intangible Benefits of Strategic Financial Planning Advice

Sometimes the value that we provide as financial planners is tangible - we can specifically point to some tax savings that have been made, some social security that has been gained or some investments that have delivered gains.

Often the value can be intangible. Our clients often tell us that the following intangible benefits are the ones they value the most from our relationship.


  • We will help bring order to your financial life by assisting you in getting your financial house in order (at both the “macro” level of investments, insurance, estate planning, taxes, etc., and the “micro” level of household cash flow).


  • We help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly review your progress towards achieving them.


  • We bring insight from the outside to help you to avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, whilst doing the research necessary to ensure you have all the information. Strategically we are working in your best interests.


  • We work with you to anticipate your life transitions and to ensure you are financially prepared for them, by regularly assessing any potential life transitions that might be coming and creating the action plan necessary to address and manage them ahead of time.


  • We explore what specific knowledge will be needed to succeed in your situation, by first thoroughly understanding your situation, then providing the necessary resources to facilitate these decisions, whilst explaining the options and risks associated with each choice.


  • We attempt to help you achieve the best life possible whilst working alongside you, not just for you, to make this possible, by taking the time to clearly understand your background, philosophy, needs and objectives and offer transparency around our professional fees, costs, and compensation.


  • The goal of the financial planning process is for advisers to understand what you hope to achieve. What are your current goals/priorities in your life and how can we help achieve them?

  • With that in mind, through this process, the adviser helps bring clarity to your situation. Often, clients of financial advisers rarely talk about money outside of the confines of the relationship with their adviser. At least prior to working with the adviser.

  • Without talking openly about your finances, how can you have clarity around which actions need to be taken to make progress towards savings, debt payoff, or investment goals? Having a place to openly discuss finances without judgment provides you clarity about the path forward.

Peace of Mind

  • Another intangible benefit of working with a financial adviser is peace of mind. While the previous points all play into achieving peace of mind with personal finances, the end goal as a financial adviser is to help you achieve this peace of mind. This is developed through trust, learning, accountability, clarity, and of course, the technical aspects of financial planning and investment management that an adviser helps tie into a completed financial plan for you.

  • Over time, having peace of mind around your finances is the ultimate goal. Knowing that you’re making progress towards paying off debt, investing enough for financial independence, saving enough for your child’s education expenses, and STILL having funds available to enjoy your life today is an amazing achievement.

  • Having peace of mind enables you to enjoy life without having to stress constantly about whether you’re making progress towards your financial goals.

The Bottom Line

It’s not always easy defining the intangible benefits of working with a financial adviser, however, they certainly become clear once you’ve gone through the financial planning process. Financial planning is very much a tangible, numbers-oriented profession, and service. Yet, the greatest benefit our clients receive is, emotional, behavioural, and intangible, in the sense a rate of return can’t be applied to it.

Financial Planner vs Financial Adviser - what’s the difference?

  • A financial planner is a licensed professional who helps individuals and businesses create a strategy to meet long-term financial goals.

  • "Financial adviser" is a broader category that can also include accountants, mortgage brokers, stockbrokers, money managers, insurance agents, or bankers.

If you’re curious about how working with a financial planner could potentially help you

60-Second Financial Health Check!

Use this quick 60-second Financial Health Checklist to see if you need a more thorough examination of your Financial Planning, Superannuation, Insurance or Investment needs.

What our clients are saying

"I have been with Norma for few years now, I’m happy and satisfied with the financial planning services that I receive from her, we have an excellent professional relationship that I’m quite lucky to get. Having tried other services before, Norma does an exceptional job to deliver the best advice and services. She takes care of all my insurance services, income protection and most importantly my superannuation and life insurance. I know my family will be in good hands if something happens to me in the future. I will continue to seek help and advice from Norma and I wish her all the best in the coming years.." (H.K.)

"Since Norma has become part of our financial life my wife and I have been able to really come to terms with our finances. Norma has made it really easy for us to understand the nitty gritty of it all with her immense patience and no-nonsense style and way of explaining it all in layman's terms. Since we have had Norma looking after our affairs, we have both sorted our wills out, got our insurance sorted and received our biggest tax return to date!! Absolutely without a doubt recommend this fine lady's services.."(R.M)

"Norma took over my Financial planning in September 2016. I was undergoing treatment for a serious life-threatening illness; the treatment was long and harsh. Norma stepped in, took over sorting out our Total Permanent Disability policies so I could access the funds. When you’re sick, fearful, and drowning under the stress, you need a Norma. Someone who you trust, is extremely kind and gets the job done.." (K-A. B)

"After my Mum passed away from Cancer late last year and receiving an inheritance that has left my husband and I debt free, we knew we had to be smart about our next steps and we knew we couldn’t go past the services that Norma provides. She immediately settles any doubt or uncertainty of what is going to happen next. Her eye for detail, care factor, compassion and empathy are beyond words. To meet her is to enrich your own soul. I am so glad that Norma is taking care of our financial future and I am confident that with her guidance, our goals of early retirement will be achieved. We can’t thank her enough. An asset that is imperative when you need it the most.." (D.T)

Financial Planning Advice

  • Strategic Financial Planning advice

  • Personal Financial Product advice

  • General Financial Product advice

Estate Planning

How we help

We begin with the end in mind by reviewing your Estate Plan. Your Will is one of the most important documents you will ever draft, because it is the only place where you speak when you are no longer physically here. It is important that your Will speaks to your overall Financial Plan to ensure that your bequests are executable

We review and help you implement all the supporting structures and documents to support your Estate Plan and Will

What we do

  • Wills

  • Testamentary Trusts

  • Powers of Attorney

  • Loans to children

  • Beneficiary nominations

Wealth Protection

How we help

Review your debt position to ensure that you are using debt smartly to support your Wealth Management and Financial Independence Strategy

Ensure that your Personal Insurance strategies meet the needs of your family so that you can rest assured knowing that they are provided for. Review your options to be Tax Smart and ensure that you are provided for in case of an unfortunate event

Take away the stress of claims management by supporting you to follow up with the insurance company to get your claim paid

Partner with vetted professionals to review your General and Private Health Insurance benefits as part of the advice process

What we do

  • Personal Debt Management

    • Mortgage

    • Credit Cards

    • Personal Loans

    • Car Loans

    • etc.

  • Review lending rates [refer to vetted alliance partners]

  • Personal Insurance

    • Life Cover

    • Lump Sum Disability [TPD]

    • Critical illness [Trauma] benefits

    • Income Protection

  • General insurance [refer to vetted alliance partners]

  • Private Health insurance [refer to vetted alliance partners]

  • Personal insurance claims

Tax effective strategies and cashflow optimisation

How we help

Parkinson’s Law is one of the best-known laws of money and wealth accumulation. It was developed by English writer C. Northcote Parkinson and it explains why most people retire below their retirement income objective.

This law says that no matter how much money people earn, they tend to spend the entire amount and a little bit more besides. Their expenses rise in lockstep with their earnings. Today many people are earning several times what they were earning at their first jobs. But somehow, they need every single penny to maintain their current lifestyles. No matter how much they make, there never seems to be enough. We help you unlock opportunities to increase your Wealth creation strategies by reviewing your cash-flow management

What we do

  • Budget and cash-flow planning | Develop a plan so that you can provide for your children’s education or other medium-term goals such as a deposit on a house

  • Tax (Financial) Advice | Tax Effective Strategies

Are you TAX ready?

Use this 60-second Financial Health Check to see if you need a more thorough examination of your financial affairs ready for tax time!

Wealth Management

How we help

Add value where you need it most. Are you looking to delegate your Wealth Management? We can help.

Want support on how to grow wealth, retain wealth and bequeath wealth? We have a team of investment specialists, portfolio managers and stockbrokers to add value every step of the way.

Paying too much tax? We can help you, using effective tax strategies to reduce your tax burden and increase your wealth creation.

Have an ESS, ESOP or RSU vest and have a potential tax liability? We help you structure the payout to be tax-smart

What we do

  • Wealth Ownership and Structures

    • Discretionary and Family Trusts

    • Business Entities

  • Investment Strategies

    • Investment Risk Tolerance Assessment

    • Shares

    • Properties

    • Employee Share Schemes

    • etc.

  • Portfolio Administration Services

How we help

No matter what your super structure is, we can help you maximise your growth to support your future income needs. We understand the complexities of Self-Managed Superfunds and are across the intricacies of most Industry Funds, including GESB Super

We prefer that our clients consult with us at least 10 years before retirement so that we can have a plan in place to support their income needs at retirement.

We help our clients switch from accumulation to pension phase with ease and optimise all the options to maximise super including downsizer contributions for example

What we do

  • Superannuation

    • Investment risk tolerance assessment

    • Review investments

    • Rebalance investments

  • Self-Managed Superannuation Fund

    • Review Trust Deed

    • Review Investment Strategy Document

  • Transition to Retirement Strategies

  • Retirement Planning

    • Assess how much income will be available at retirement

    • Pension strategies

    • Annuity Strategies

  • Social Security Advice

    • Centrelink

    • Department of Veteran’s Affairs (DVA)

Business Insurance

How we help

70% of businesses in Australia are family owned. We support business owners by mitigating their risk using Business Insurance solutions ensuring that the hard work of the family continues for generations to come

What we do

  • Key Person Insurance

  • Buy-Sell Agreements and Insurance

  • Shareholder Protection Policies

  • Business Expenses (overheads) Protection Insurance

  • Loan Protection Insurance

Strategic Financial Planning Advice

At Think Capital we focus on Strategy first

Think Capital Process

Schedule a 15-minute 1-on-1 Ultimate Financial Independence Strategy Call

This quick, free of charge, 15-minute phone is designed to identify your goals (both financially and lifestyle), talk about your current financial frustrations, and pain points, and begin to design a plan with options to get you back on track

Step 1 - Establish and define the client-adviser relationship.

  • Introductory meeting (Meet and Greet)

  • Complimentary, 30-minute, meeting online

    • initial introduction

    • discuss current situation and goals

    • determine if we can be of assistance

    • explain who Think Capital is, how we operate

    • and the benefits to you

    • explain and agree on the scope of advice or service, and fees

    • you give us authority to prepare a statement of advice

Step 2 - Information gathering

  • Discovery session (Strategy Planning) 60-90 minutes online

  • A professional fee is charged for this appointment

    • consider priorities, goals, and objectives

    • gather detailed financial information

    • discuss your investment risk tolerance

    • identify needs and shortfalls

    • discuss and agree on potential strategy options

Step 3 - Analyse and evaluate your financial status.

  • Written report of advice

  • A professional fee is charged for this report

  • We identify ways to

    • improve or streamline your current situation

    • make life easier and save you money

    • identify ‘appropriate’ wealth creation strategies

    • protect your financial risk

    • consolidate your debts [identifying good and bad debt]

    • Strategies to structure tax effectively, and maximise government entitlements

    • investigate and determine ideal investment vehicle and investment managers

    • research products which best suit your needs

    • provide written, clear, and understandable financial scenarios and educate you in detail

    • formulate a plan that will meet all of your stated financial goals and objectives

Step 4 - Present financial planning recommendations and/or alternatives.

  • Strategy presentation (+ 30-minute online session if required)

    • reconfirm your goals, objectives, and investment risk tolerance

    • provide an overview of the advice for ease and future reference

    • explain the advice in ‘plain english’ and educate you focus on how the advice will help you achieve your goals

    • disclose all fees as per ASIC Guidelines

Step 5 - Implement the financial planning recommendations.

  • Strategy implementation

  • A professional fee is charged for implementation

    • make any adjustments and ensure that you are happy with the advice

    • complete and sign authority to proceed

    • complete and sign any investment or insurance paperwork

    • review and lodge all paperwork

    • act as your concierge in dealing with any product providers to implement your strategies

    • follow up any outstanding requirements to completion

Step 6 - Monitor the financial planning recommendations.

  • Ongoing maintenance and Review

  • A professional fee is charges for ongoing maintenance and review

    • provide confirmation of all implemented policies

    • and investments

    • Think Capital available to answer administrative and technical queries

    • update any changes to circumstances or objectives

    • review existing strategies, investments and insurances

    • discuss how your plan is working and uncover any additonal opportunities or amendments required

Financial Services Guide

Adviser Profile

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Think Capital Pty Ltd ACN 636 116 295 Authorisation Representative (AR) number 001278398 is appointed to act as a Corporate Authorised Representative of Australian Financial Services License (AFSL) number 344971.

Norma Falconer Authorisation Representative (AR) number 001243315 is appointed to act as an AR of Australian Financial Directions Pty Ltd ACN 135 004 947, Australian Financial Services License (AFSL) number 344971.

This website 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 website

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