A great life is one where financial freedom allows you to live on your terms. This freedom doesn’t look the same for everyone. It’s shaped by career, aspirations, and personal values.
What is financial freedom?
MLC states, “Financial freedom is a state where your passive income (from investments, savings, or other sources) covers your essential expenses, allowing you to sustain your desired lifestyle.
It’s about breaking free from the shackles of living paycheck to paycheck and transcending the cycle of debt. This state enables you to allocate more time and energy towards your passions, personal growth, and meaningful experiences”.
Financial freedom, for us at Navigate Advisory, is:
- The freedom to live on your terms, without limitations.
- The breathing room to provide for loved ones as you wish.
- The runway to pursue those big dreams burning within.
Put simply, it is about finding how you can live a great life.
The definition of a great life
What does a “great life” mean to you?
For some, it’s about financial security that allows for meaningful experiences, time with loved ones, and the freedom to pursue dreams without worry.
For others, it means peace of mind, knowing that future generations will be taken care of and that hard-earned wealth is preserved.
From our research, we know a range of our clients have different desires that will help them live their great life.
Business Owners:
- Look for profit growth to increase the value of the business
- Want to create a business that depends on them less
- Spend time with their family
- See their wealth benefit their children in the future
Professionals:
- Aim to pay down their home loan as fast as possible
- Acquire new properties to add to the portfolio
- Build passive wealth outside the 9-5 job and retire early
- Live a fun lifestyle without the uncertainty of money
- Build a financial future for their family
Medical Specialists:
- Make informed financial decisions
- Build passive income
- Be free from the stress of money
- Focus on creating an impact in the community
- Have more time for family and loved ones
Pre-retirees:
- Know their wealth will be there for those they love.
- Make the most of their income so they can enjoy life now
- Have enough money for retirement
- Minimal stress about retirement or the later years
- Enjoy time with their family now

What is stopping you from financial freedom?
Financial freedom assists everyday Australians (like you) live a great life. One with less stress and anxiety about the future. So you can enjoy the now with loved ones.
What stops business owners and working professionals from financial freedom includes:
- Being afraid to make mistakes
- Paying too much in overheads and taxes
- Losing money in the past due to lack of information
- Not getting the right support
- Overwhelm from the information online
Information online can be generic and misleading. However, it is more challenging to find complete financial support in one place.
Your next steps to financial freedom
Regardless of your profession or life stage, financial freedom begins with proactive, informed steps. Here’s how you can start addressing these pain points and move toward a secure future:
- Build a trustworthy team: Surround yourself with reliable advisers who understand your specific needs and can offer the right guidance.
- Create a financial plan: map out a strategy that covers tax, investments, retirement, and estate planning.
- Optimise tax strategies: seek tax advice to ensure you’re maximising tax-saving opportunities relevant to your income level and investment type.
- Diversify investments: Avoid putting all your resources in one type of investment. Diversify to protect and grow your wealth.
- Leverage SMSFs: if you have an SMSF, get professional help to ensure it’s optimised for your long-term goals.

At Navigate Advisory we give you complete financial confidence in one diverse team.
Offering an expanded suite of services including:
Whether you need all our services, just one or a few, we’re here to help.