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Flying solo with a plan built around you

We help people making financial decisions on their own get clear on their position, understand their options, and plan confidently for what comes next, without needing to fit a household template.
Independent decisions still deserve good advice

Is this right for you?

This program is designed for people managing their finances on their own and wanting clear, structured advice that reflects their priorities.

You may be in the right place if you:

  • You are making financial decisions on a single income

  • You want advice tailored to your goals, not a generic household model

  • You are considering buying, refinancing, or planning ahead on your own

  • You want clarity around your options without feeling rushed or pressured

  • You value independence but do not want to make important decisions in isolation
     

If that sounds like you, the best place to start is a simple conversation.

What’s included in the Flying Solo Program

Managing your finances independently means every decision carries more weight. The goal is to make those decisions with clarity and confidence.

As part of our Flying Solo Program, we help you:

  • Understand your current financial position clearly and honestly

  • Plan around cash flow, living costs, and future goals

  • Explore property or lending decisions that fit a single income

  • Structure commitments so they remain comfortable over time

  • Consider protection and long‑term planning without unnecessary complexity

  • Make decisions that support flexibility and independence into the future
     

Everything is considered together, so your plan reflects your life as it is now and where you want it to go.

How the Flying Solo process works

1. Start with a conversation
 

We begin with a conversation to understand your situation, priorities, and what you want your finances to support next.

 

There is no pressure and no obligation. This is simply about getting clarity.

2. Build the full picture


We look at your broader financial position, not just one decision in isolation. This includes income, expenses, goals, property considerations, and how different options would affect you now and in the future.


From there, we help you understand your choices and what makes sense for your situation.

3. Move forward with confidence
 

Once you are comfortable with the plan, we support you through the next steps and adapt the plan as your circumstances change.

The focus is on giving you confidence in your decisions and flexibility over time.

If you want to take control of your finances the best place to start is a simple conversation.

What to do next

If you are making financial decisions on your own, the best place to start is a simple conversation.


We will take the time to understand where you are now, what matters to you, and what questions you have. From there, we can help you work out whether this program is right for you and what your next steps could look like.


There is no pressure and no obligation. Just a chance to get clarity before you commit to anything.

GENERAL ADVICE WARNING


All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. Every effort has been made to offer the most current, correct and clearly expressed information possible within this site. Nonetheless, inadvertent errors can occur and applicable laws, rules and regulations may change. Any opinion provided on this website is the opinion of Mitchell Johnston and do not represent the opinions of Bluewater Financial Advisors, Vow Financial or any other person or company. 

Welcome Home Financial Group Pty Ltd ACN 614 198 122  is a corporate authorised representative of Bluewater Financial Advisors Pty Ltd (CAR1247584) Welcome Home Financial Group Authorised Credit Representative Number 506082 is authorised under Vow Financial Pty Ltd ACN 138 789 161 Australian Credit Licence 390261. Welcome Home Financial Advice in a corporate authorised tax (financial) adviser registration number 25780831

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