Achieve financial freedom!

Our focus is developing, implementing and reviewing personalised strategies to achieve our clients’ short, medium and long term financial goals, providing them with the peace of mind that they are preparing for the future while protecting their family from the unexpected.

5 Minute Financial Health Check

Take our ‘5 Minute Financial Health Check’ for a quick guide to your current financial condition.
(New and current clients).

About You Questionnaire

Complete our ‘About You Questionnaire’ to help provide insight into your current financial position.
(New clients).

Changes Questionnaire

Complete our ‘Changes Questionnaire’ to let us know of any changes in your life that should be considered in your existing Financial Plan.
Watch the videos and click on HOW WE CAN HELP YOU to discover all the ways we can help you achieve your financial goals. For New and current clients.

Financial Planning

We use the Advice Wheel to explain the six areas of financial advice: Making It, Growing It, Leveraging It, Protecting It, Enjoying It, Preserving It.

Review Process Explained

Your circumstances, lifestyle and financial goals are likely to change over time, so it’s important that your financial plan is regularly reviewed, to make sure you keep on track.

Insurance Explained

Different kinds of insurance help protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.

How We Can Help You

We use the Advice Wheel to show the various ways in which we can help you with all your financial concerns

We are passionate about educating and developing our client’s knowledge of their strategies, ensuring that their money is always working for them.

Grow My Wealth

Developing a long-term investment plan can help you build wealth to achieve your goals and dreams, like owning a new car, taking a holiday, buying your first home and enjoying a comfortable retirement. We can help you grow your money to achieve your goals, whatever they may be.

Budgeting and saving

Start by knowing where your money goes. Draw up a detailed budget plan, and divide your expenditure into essentials and extras. You can access some useful budget planning and financial health check tools at the Federal Government’s ‘Understanding Money’ website.


Investing your money can be easier than you might think, especially with our help to guide you through the investment maze. Visit the Federal Government’s ‘Understanding Money’ website for an overview of investment basics.

Managing debt

While irresponsible use of credit cards and personal loans can leave you with mounting repayments, some types of debt can actually help you create wealth. An example of this is gearing, which involves borrowing funds for investments in shares and property. Gearing can improve your cash flow and generate wealth. But it does have inherent risks and only works when the after-tax capital growth and income return exceed the after-tax cost of borrowing.

Case study – Jarrod pays off his mortgage sooner

Jarrod has a $320,000 mortgage with an interest rate of 9.74 per cent per annum and is making monthly repayments of $2,840. By sticking to monthly payments it will take him around 32 years to pay off his mortgage, for a total cost of more than $1,080,000. But by switching to fortnightly repayments instead, Jarrod can save ten years and over $300,000.

, The Example is illustrative only and is not an estimate of the investment returns you will receive or fees and costs you will incur.  

We believe with the right knowledge and support, anyone can achieve financial independence.

Protect My Future

Be prepared for life’s emergencies Imagine what your family’s life would be like if you or your partner died or became seriously ill and couldn’t work. Would you be able to survive financially? Can you pay the mortgage and bring up your kids? Insurance can provide the money that you or your family need in critical times. It may not take away the pain of losing a job or a loved one, but it will ease the added pain of financial problems We can help you choose the most appropriate package of cover, taking into account your expenses, debts and personal goals.

Income protection insurance

If you’re unable to work due to sickness or injury, income insurance can provide a regular stream of funds totalling up to 75 per cent of your ordinary income. And the premiums are tax deductible.

Life insurance

A lump sum is paid to your nominated beneficiaries in the event of your death. The payment may help your family and dependants cope with the financial burden left by your tragic loss.

Trauma recovery insurance

A lump sum is provided if you suffer one of an extensive list of trauma events including cancer, heart attack and stroke.

Total and permanent disability (TPD) insurance

In the unfortunate event you become totally and permanently disabled, TPD insurance pays a lump sum to help you maintain your quality of life.

Business expenses insurance

If you own a business and sickness or injury stops you earning an income, business expenses insurance provides a basic payment to help with day-to-day business costs.

Key person and business succession insurance

Business owners can help protect their business against death, disability or serious medical trauma happening to a key person or co-owner by taking out an appropriate package of life, TPD and trauma recovery insurance.

Case study – Bill’s insurance package

Bill just bought a new car for $30,000. He knew about the importance of car insurance, and did not drive away from the car yard before it was insured. Bill also recently purchased his first home for $500,000. After saving years for his deposit, there was no way he was going to leave it uninsured. Bill earns $60,000 per year and, like most people, he expects to be working until age 65. What he doesn’t realise is that his income over the rest of his working life will amount to around $2.4 million dollars after tax. But he hasn’t yet insured his income. And unlike the premiums for house and car insurance, the premium for Bill’s income insurance will be tax deductible. The Example is illustrative only and is not an estimate of the investment returns you will receive or fees and costs you will incur.

We aim to help people bridge the gap between where they are now, and where they ideally would like to be.


Plan My Retirement

Retirement brings new challenges, the prospect of a fresh start and important changes. It can be an exciting time when you may fully enjoy the fruits of your working life. A time when you have the freedom to pursue the things that matter most to you. But to really be able to enjoy life to the full in retirement and maintain a comfortable standard of living you’ll need to have built up sufficient income. For most of us this will require expert planning, quality advice, a documented financial plan and having our progress monitored by someone who’s qualified to do so. We can help you properly plan for a comfortable retirement in line with your personal circumstances and goals.

Boost your super

Tax efficiencies built into the superannuation system mean super is a great way to save for your retirement. Do you know how much income you are likely to have after you retire? Go to the Federal Governments Money Smart’ website to use the retirement planning calculator and see what you can do now to boost your super. Salary Sacrifice contributions make saving for your super easier than ever by taking a portion of you income and placing it directly into your superannuation plan. For all the in’s and out’s of superannuation open the brochure ‘Superannuation in plain English’.

Increase your retirement savings

For most Australians, retirement has traditionally been a sudden leap from working full time to not working at all. But more and more people are gradually easing into their retirement. We can assist you to set up your transition to retirement strategy and you too could be enjoying life whilst still increasing your super. For more information on how you can boost your super through a transition to retirement strategy, open the brochure ‘Transition to retirement in plain English‘.

Protect your retirement savings

Recently, most Australians have watched their superannuation savings plummet during the event commonly known as the Global Financial Crisis. Wouldn’t you like to be one of the few who knew their superannuation was safely protected from such events? Protected superannuation is not a new comer to the market however new concepts have seen it revolutionise the way people invest in their future.

Estate planning

Most of us put a lot of time and effort into creating and managing wealth throughout our lives. But few of us put enough thought into the process by which our wealth will be distributed after our death. We can assist you to ensure that you estate planning remains on track and up to date.

Centrelink payments

If you meet eligibility criteria, Centrelink can support you in retirement with a range of payments including age pension, pension bonus scheme and the seniors concession allowance. We can help you understand and take advantage of your Centrelink entitlements.


Financial advice is about giving you financial ‘peace of mind’

CKC Advice in Orange NSW provide a financial advice service aimed at helping you make sound financial decisions and take control of your finances.   Your financial plan is designed to create prosperity and is supported by four pillars:


Gives you the money to create wealth.


Provides money for life after work.


Makes your money work for you.


Insurance to manage the risks to your plan.

Let's work together and achieve greatness.

We'll show you how it's possible.




Corporate Authorised Representative ABN 69 611 096 470 Charter Financial Planning Limited ABN 35 002 976 294 Australian Financial Services Licensee Licence number 234665.

General Advice Warning
This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. Any advice provided by CKC Accountants detailed above is provided independently of CKC Advice Pty Ltd and our Licensee Charter Financial Planning. Neither CKC Advice Pty Ltd nor Charter Financial Planning take any responsibility for any actions or service they provide.

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CKC Advice Pty Ltd (ABN 69 611 096 470) is an authorised representative and credit representative of Charter Financial Planning, Australian Financial Services Licensee and Australian Credit Licensee.