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(03) 9480 0388



758 High Street Thornbury

Melbourne VIC 3071

The GMB Experience



One way, is to develop a passive income. Ths is an income stream that you don’t have to physically work to gain it. To quote the actor Michael Cain “When I go to bed at night I do so with a smile as I know while I’m sleeping I am earning an income”.


To achieve such an income we need to grow an asset which will enable us to become financially secure.


The path to this is to develop a plan taking into account:

  • Where you are now
  • What you already have
  • Where you want to be

Assuming that by the time you are 65 years of age you want to be financially secure then we have ‘X’ number of years to invest on which we must get a return. If by chance we don’t get these years, we will need to guard this earning capacity by way of insurance. To this end a Personal Risk Audit will be completed, enabling us to protect your earning capacity so that we have the time to attain your financial security.


Having completed the audit and insured your earning capacity we then need to look at building up assets which usually consist of:

  1. Personal Assets (e.g. house)
  2. Business Assets (e.g. goodwill)

At the end of the day it doesn’t matter what these assets total up to. All that matters is that we achieve Financial Security. In attaining Financial Security there is no wrong or right answer, it only matters that a decision is made. Your decision could be to do nothing.


Achieving financial security is the process of Wealth Creation through which financial security is not a maximum but a minimum. This means that our wealth building should keep growing or at best maintain a straight line. We do not want it to decline as if it does then so does our financial security.


In summary there are three primary steps in achieving financial security.

  • Putting a Personal Risk Audit in place so that as far as it being realistic, we will lock your years of earning capacity in place and protect this capacity so that we have the time to achieve your financial security.
  • Try to establish a strategy tailored to building up your assets – whether they be:
    • Real Estate or
    • Business

(For example if you are self-employed should you be looking at milking the cow or should you be building it up, by fattening the calf.

  • Finally we will put a plan in place, which basically takes care of your personal assets and fills the gap.

i.e – Personal Assets +? = Financial Security


I hope this is sufficient information to encourage you on the path to financial security