1. Feel good about your future.

2. FEEL GOOD ABOUT YOUR FUTURE
Endorphin Wealth Management cares for the future of our
clients.Achieving your financial goals is our business.We apply our
experience and expertise to get you heading in the right direction,
for a bigger, brighter future.
We are dedicated to giving you the ultimate in personalised professional service.
Your Endorphin adviser listens. We take the time to understand your story.
We discover what matters most to you and pay close attention to your ambitions.
These understandings become the basis for the advice we develop—providing
guidance on the investments that facilitate the achievement of your goals.
Endorphin’s extensive financial experience and expertise is maintained with daily
professional development regarding current and future economic conditions,
taxation rules and legislative changes.
From these foundations, we effectively develop investment solutions to meet your
unique needs.
That’s advice tailored to your lifestyle as well as your financial position.
Our services are geared towards your specific objectives, whether they’re anything
from starting a portfolio to funding a long and comfortable retirement.
Endorphin advice lets you take hold of your future with confidence. Be free to
embrace opportunity when it comes, with clear recognition of where you’re
going and how you’re going to get there.
When it comes to wealth management, your priorities are Endorphin’s priorities.

3. CUSTOM SOLUTIONS FORYOUR SITUATION
Feel good about the future, with the knowledge that Endorphin
can see you through every phase of the journey.
Build a Foundation
When starting out, financial matters can occasionally seem overwhelming.
While you might visualise where you would like to be, it’s often hard to see the
pathway to get there.
A step-by-step plan from Endorphin Wealth Management makes your
direction clear. A sensible, professional plan guides you into the property
market, the stock market and the lifestyle you desire.
Accumulate, Protect and Optimise
Once you’ve established a solid platform, priorities shift towards taking
charge of your big-picture financial position. Commonly, this includes
setting achievable targets for paying off the mortgage, along with making
regular contributions to build a broader portfolio of investments.
Of course, Endorphin will consider the equity, gearing and tax-effectiveness
of allocations while paying down debt. These strategies build confidence in
personal finances and grant the freedom to deal with family concerns such
as education, estate planning and long-term financial security.
THE WEALTH JOURNEY
Life is a journey. Like a map that guides you to your destination,
financial planning shows how to achieve your wealth objectives.
Endorphin guides you towards success by tailoring specific strategies that
facilitate the achievement of your unique goals. Our strategic advice takes
stock of your current situation and then paves an appropriate path to success.
Over the course of the wealth journey, Endorphin’s wealth strategies
will help you:
– save for and buy your first home
– effectively manage tax to maximise your asset position
– upgrade your home
– fund education for your children or family members
– protect your lifestyle and family security
– buy investment properties
– establish and operate a Self-Managed Superannuation Fund (SMSF)
– generate income from investments
– plan for and fund a comfortable retirement.
When you first meet with Endorphin, we seek to get to know where you are
in your wealth journey as well as where you want to be. On the basis of your
profile, goals and objectives, we handpick methods and investments that are
right for you.
Of course, people change over time. That’s why we make it a priority to
re-evaluate your position and progress at regular intervals. If your objectives
have changed, we make use of the multiple platforms and leading investment
providers at our disposal to re-calibrate your plan. It’s all about giving you
strategies designed to strengthen your position—now and for the future.

4. CUSTOM SOLUTIONS FORYOUR SITUATION
Superannuation, Retirement Planning and Income Generation
Thankfully, income that has previously been tied up (channelled into
mortgage payments and child education expenses) eventually becomes freed
for alternative productive uses. This could be used to improve present-day
lifestyle, and it can also be a great opportunity to plan for retirement.
Endorphin models your financial future to determine how much you’re going
to need to achieve and maintain the lifestyle you truly desire. We design
realistic strategies to help you reach those goals from your current position.
After the age of 55, you might like to consider a Transition to Retirement
strategy that maximises pension entitlements and embraces tax concessions,
thereby boosting savings even as it assists cash flow.
Of course, superannuation is a common concern during this phase,
especially for people who are self-employed, or have spent less overall time
in the workforce. Endorphin is expert in strategies to maximise retirement
benefits by taking advantage of tax concessions and investments within
superannuation. If a self-managed super fund is appealing, we can provide
expert advice and help you establish and manage a fund of your own.
As your priorities evolve, Endorphin’s strategies do too.
We look forward to working with you, to help you feel good about your future.
A Message from Phillip Richards
Director & Wealth Planner @ Endorphin
AFP® Member of the Financial Planning Association of Australia
As the Director of Endorphin Wealth Management, I get a real kick out of
seeing our business help our clients achieve their life goals. As you’d expect,
we focus on your financial objectives, but it’s an organisation priority for us to
consider the broader picture. Finances aren’t everything, but they do directly
affect what you can achieve in other aspects of life.
This is one reason Endorphin advisers are serious about getting to know you.
We’re interested to hear where you want to go and what’s important along the
way. It’s all about your story: what’s happened so far and where is it going to
take you.We’re here to help you find a great way to live out that story.
I made my first personal investment at the age of 18 and grew my portfolio to
purchase my first property when I was 21.
Around the same time, I moved to Perth to study a Bachelor of Commerce.
These days, my personal portfolio comprises Australian and international
shares as well as property in Melbourne and Perth. As I near completion of a
Masters of Business Administration, I look forward to expanding my horizons
even more in the future.
Contact us today for an obligation free appointment to discuss how we can
work together to optimise your financial position.

5. EndorphinWealth Management
Level 10/50 Queen St Melbourne VIC 3000 Australia | 03 9603 0072
advice@endorphinwealth.com.au | endorphinwealth.com.au
Endorphin Wealth Management Pty Ltd and Phillip Richards are authorised representatives
and credit representatives of AMP Financial Planning Pty Limited, Australian Financial Services
Licensee and Australian Credit Licensee.
This brochure contains information that is general in nature. It does not take into account the objectives,
financial situation or needs of any particular person. You need to consider your financial situation and needs
before making any decisions based on this information.
If you decide to purchase or vary a financial product, your financial adviser, AMP Financial Planning Pty Limited
and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar
amount and/or a percentage of either the premium you pay or the value of your investment.
Please contact us if you want more information.