Our Framework

Great investment outcome requires more critical element to consider that goes beyond the selection of investments. For example, even if you make 12% at highest marginal tax rate, after tax return will be only 6.36%.  We have created a model “CRIT” to provide comprehensive financial plan.

mindset
Mindset
Mindset
Some are unable to achieve success because of their own biases and psychological barriers. We use strategies and education to help clients overcome these barriers.
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Action
Action
Even if you have the right mindset without appropriate action you will not achieve your objective. We make the implementation/execution as seamless as possible.
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Plan
Plan
A well-constructed plan will help to achieve the outcome sooner. As financial planners, this is a key part of our expertise. This is the final step to achieving a successful outcome.

CRIT: The Four Pillars of Wealth Mastery

At Wick Financial, we believe that true financial success goes beyond just picking the right investments. Our CRIT framework ensures a holistic and strategic approach to wealth creation, helping clients not only grow their assets but also protect, manage, and optimise them for future generations.

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Cashflow

The Foundation of Wealth

Cashflow is the lifeblood of any financial strategy. Without proper cashflow management, even high-income earners can struggle to build lasting wealth.

  • We analyse income and expenses to ensure positive cashflow
  • Optimise debt structure for better financial flexibility
  • Implement budgeting strategies to maximise wealth-building potential

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Risk Management

Protect Your Wealth

Building wealth is important, but protecting it is essential. Risk comes in many forms—market fluctuations, economic downturns, or unexpected life events. Our strategies help mitigate risks and secure financial stability.

  • Insurance planning (life, income protection, business insurance)
  • Asset protection and estate planning to safeguard wealth
  • Risk-adjusted investment portfolios tailored to your goals

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Investment

Grow & Compound Wealth

We don’t chase trends—we follow a scientific, data-driven investment approach backed by Nobel Prize-winning research. Our philosophy ensures long-term, sustainable growth rather than speculation.

  • Diversified portfolios based on proven financial principles
  • Focus on long-term compounding and passive wealth-building
  • Strategic asset allocation to maximise after-tax returns

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Tax Planning

Keep More of What You Earn

Taxes can significantly impact your wealth. Smart tax strategies ensure you keep more of your returns and optimise financial outcomes.

  • Structuring investments for tax efficiency
  • Utilising trusts, superannuation, investment bonds, and other entities for wealth preservation
  • Implementing tax strategies to improve after-tax returns

Why CRIT Matters

Most people focus only on investment returns, but without a comprehensive financial structure, wealth can erode over time due to poor cashflow, unforeseen risks, and inefficient tax strategies. CRIT ensures your wealth is built, protected, and sustained for generations.