Who Income & Investment Planning Is For
Income & investment planning is designed to help you create financial clarity, grow wealth with structure, and make informed decisions that support your long-term goals. Whether you’re focused on improving cash flow, starting your investment journey, or building passive income, this service provides the guidance and confidence you need to move forward.
Professionals & Working Families
If you’re earning well but feel unsure about how to maximise your money, we help you build a clear investment strategy, improve cash flow, and structure your finances so you can grow wealth with confidence.
Business Owners & Self-Employed Clients
Running a business often means your personal finances get left behind. We help you align business income, tax planning, and investment decisions so your business performance translates into long-term personal wealth.
New & Growing Investors
If you want to start investing but aren’t sure where to begin, or you’re ready to refine an existing strategy, we guide you through risk, structure, diversification, and long-term planning so your money works smarter.
Clients Wanting Passive Income
We help you build reliable, long-term income streams from investments, property, superannuation, or diversified portfolios, tailored to your goals and risk tolerance.
Anyone Seeking More Clarity & Control
If you’re feeling uncertain about your financial direction, struggling with cash flow, or wanting a strategy that brings everything together, income & investment planning provides a roadmap for confident decision-making.
How We Support Your Income & Investment Goals
Income and investment planning brings structure to the way your money moves, helping you understand where opportunities exist and how to build long-term wealth with confidence. We look at your full financial picture, income, spending, debt, tax considerations, and future goals, and create a strategy that supports smart, consistent investing.
What We Help You With
- Building a personalised investment strategy based on your goals and risk comfort
- Strengthening cash flow so you can save and invest consistently
- Reviewing and structuring debt to reduce pressure and free up capacity for wealth creation
- Creating passive income strategies through diversified investments and long-term planning
Great investing isn’t about picking the perfect moment, it’s about having a clear, long-term strategy you can stick to.
We help you understand how each part of your financial world works together, from cash flow and lending through to superannuation, tax efficiency, and investment choices. With ongoing guidance and regular reviews, your plan evolves as your life does, keeping you on track and moving forward with confidence.
More Ways We Support Your Wealth Creation
We help you build a balanced portfolio across different asset classes so you can grow wealth in a structured, sustainable way.
From dividends to long-term portfolio income, we explore options that build reliable earnings over time.
Clear, simple systems that help you manage your money well and create room to invest.
Smarter debt decisions that reduce financial pressure and support long-term wealth.
Why Choose 360 for Income & Investment Planning
A Team that Supports Your Goals at Every Step
Choosing the right partner for your income and investment planning is about more than returns, it’s about working with a team that genuinely understands your goals and gives you the clarity to move forward with confidence. We take a personal, holistic approach, looking at your entire financial picture so every decision supports your long-term success. From income, cash flow and debt structuring to diversified investment strategies, your plan is designed to work together, not in isolated pieces.
With over 13 years of experience, award-nominated planners, and an integrated service model that brings financial planning and mortgage broking under one roof, we make your financial world simpler, clearer, and easier to manage. Our evidence-based investment approach, transparent communication, and ongoing support mean you’ll always know where you stand, and how your money is progressing over time. When life changes, we adapt your strategy so you stay aligned with your goals and continue moving toward the future you want.
Frequently Asked Questions
What can a commercial loan be used for?
Commercial loans can support a wide range of business needs, including purchasing a commercial property, upgrading equipment, funding vehicles, improving cash flow or consolidating existing business debt. We help you understand which type of loan best fits your goals and what each option means for your day-to-day operations.
How much deposit do I need for a commercial property?
Commercial property loans typically require a larger deposit than residential loans, though the exact amount varies by lender and asset type. We outline what different lenders expect and help you understand how the deposit amount may affect your borrowing capacity and loan structure.
How do lenders assess commercial lending applications?
Lenders consider factors such as business financials, cash flow, the strength of the asset being purchased, and the overall structure of the loan. We explain the required documentation and help you present your application clearly to support a smooth approval process.
Are commercial interest rates different from home loan rates?
Yes, commercial lending rates usually differ from residential rates and can vary depending on the loan purpose, the type of security, and the business’s financial position. We compare options with you and explain how each rate structure may influence your cash flow.
How long does commercial loan approval take?
Timeframes vary depending on the lender and the complexity of the loan, but most applications move through assessment within a few weeks. We guide you through each step, keep the process organised and communicate clearly so you know what to expect.
Is it worth reviewing my existing commercial loans?
If your circumstances have changed or it’s been a while since your last review, it may be beneficial to assess whether your current lending continues to support your business goals. We can compare your existing loan against market options and explain if refinancing or restructuring could improve your cash flow or reduce financial pressure.
We’re Here to Help with Your Questions and Enquiries
Please complete the form below with your enquiry details, and one of our team members will get back to you as soon as possible. We look forward to assisting you.







