The Challenge:

WHY? Because Australia’s finances are broken and getting worse

Australian household debt has doubled over the last 12 years with over 50% of

Australians labelled as “over-indebted” (including wealthy households) leaving them

extremely vulnerable. (ASIC)

39% of Australian Workers spent 2hrs each work week distracted by their financial stress

(industry survey)

1 in 4 will be severely financially stretched with a 1% interest rate rise (digital finance analyst)

1 in 3 people are two pays away from financial distress (digital finance analyst)

Over the past 14 years we have proven that people will pay for a cash flow service.

Our team has:

- Negotiated and managed debt payments for over 4800 struggling families

- Paid off over $63m in Household Debt

Financial Advisors often struggle to provide cash flow

management services because they cannot profitably scale

administration and client engagement.

Bill Butler provides a collaborative management system that provides

advisors with the resources to automate and scale their client cashflow

service, with firm focus on client success.

THE 3 COMMON DILEMMAS FOR ADVISORS:

Advisors quickly get bogged down with the small stuff as they try to establish

a systemised approach to assist with client’s cash flow management.

Advisors easily get busy and need to remain focused on core “growth”

aligned activities.

Cashflow management services have their own “glass ceiling” for growth

with staffing levels and economic viability some of the key barriers.

The Opportunity:

Australia’s demand for financial advisors is fuelled by concerns over adequacy of retirement savings, inflation

and cashflow management. (IBIS World, 2016)

The Solution:

A New Model For Delivering Your Strongest Value Proposition:

CLIENT FINANCIAL SUCCESS

Bill Butler offers outsourced Client Cash Flow Management services allowing Financial Advisors to effectively grow,

scale and become more profitable.

Partnering with Bill Butler strengthens your Client Value Proposition while allowing the practice to outsource the

management of the cashflow component of the strategy. Advisors are free to focus on the more tangible value-add

aspects of their advisory service - the big picture strategic advice.

YOUR CLIENTS WANT YOUR CLIENTS DON’T WANT

To know that their Advisor is aware of their

financial situation, and that they are

tracking toward the goals that they set.

To have ongoing, meaningful conversations

about their financial progress and relevant

strategic advice when an opportunity arises.

To find out 12 months later (at their annual

review) that they are not “tracking to plan”.

To know that opportunities to improve their

position have come and gone because their

cashflow was not monitored and managed

well.

Benefits Of Managed Cash Flow For Advisors

With the ability to transition between profiles as needs change and evolve.

Benefits Of Managed Cash Flow For Clients

The Bill Butler Approach To Client Success.

The 3 core factors that drive us to assist you:

CLARITYProvide transparency and clarity with

a snapshot of the client’s cash flow

barriers and opportunities.

CONTROLGive clients a greater sense of

comfort and control with additional

structure and processes designed to

maximise the likelihood to achieve

their desired financial outcomes.

YOUR CLIENTS SUCCESS

IS AT THE HEART OF

EVERYTHING WE DO.

CAPABILITYTo support the advisors capacity to

ensure that client milestones and

strategies are always on track and

customised strategic advice is

always delivered.

STRUCTURE

CHAOS TO CONFIDENCE

Simplify the chaos with a constantly updated

financial forecast and empower clients

around their financial decisions at every

stage of the journey.

Provide management of client cash flow through the

implementation of a systemised framework for tracking

and measuring client success.

STRATEGIC INSIGHTSA trackable and transparent system designed

around your client so you can deliver relevant

strategic advise based on real time analytics.

Help guide clients toward their next big

milestone or away from a potential financial

roadblock by understanding their day today

cashflow.

FLEXIBLE FRAMEWORKA transparent framework that provides the

financial advisor with a clear and current

client snapshot to tie their client’s financial

ambitions with their day to day activities.

STRUCTURE

SCOPE

CASHFLOW MANAGEMENT

A flexible cash flow management solution

that means clients will always have the

money to meet their ‘must do’s’ and still

enjoy the ‘nice to haves’.

Take a collaborative approach to maximising new and

existing client opportunities and enable advisors to have

a more ‘big picture’ strategic focus with them.COLLABORATE AND INTEGRATE

We connect strategic financial advice with a client’s

day to day requirements and report regularly so

everyone is on the same page. Clients are tracking

towards positive financial outcomes and advisors

are seeing their clients win.

SUPPORT SYSTEM

We provide management of financial issues which

may be outside an Advisor’s usual scope of advice

(i.e. debt pay down, client micro management) which

maximises the opportunity for client financial success.

Adviser’s cannot control financial markets, but they

can offer solutions that provide greater opportunity for

additional wealth creation.

SCOPE

SCALE

Deliver additional system resources and smart automations that gives

financial advisors more capacity to grow their business and deal with

more clients, simply and easily, without compromising on service.

SCALE

BACK OFFICE RESOURCES

To assist planners to leverage additional

‘back office’ resources, support, and nurture

systems to sustainably expand their client

base.

EASY AUTOMATION

Simplify your clients life with our integrated

‘hands-off’, set-and-forget system for

automatic management of bills, debts, and

budgets, aligned to strategic financial

outcomes.

LEVERAGED CAPACITYThe ability to outsource the ‘low value’ task

driven workloads to us, so it affords advisors

more time for strategic focus on helping their

clients get the best possible financial

outcomes and expand their business.

HOW TO ID CASHFLOW CLIENTS

HOW TO ROLL OUT CASHFLOW TO CLIENTS

Incorporate cash flow management as a standard component in your advice

process; as new clients are on-boarded or at review intervals.

TESTIMONIALS

Advisor to prepare Preliminary Financial Health Check & Goals Review based on Initial Client Discussion

Thank you for giving me my life back“As a single parent raising two children I had to use credit cards and short term loans to make ends meet, I was

never able to catch up. After I contacted Bill Butler, I thought the service was too good to be true and I really

wasn’t sure if I would have enough to live on after the fees were taken into account. But the service was

amazing and Bill Butler did everything they said they would. I have been supported every step of the way,

although it feels hard it was worth it. If you are wondering whether to make that initial call, I say what have you

got to lose? Thank you Bill Butler for giving me my life back.” Elaine, Registered Nurse SA

Financial contentment and no more arguments with my partner around money

“After my husband had a serious accident, with no insurance to cover costs, we got behind on everything then I

fell pregnant and needed to take maternity leave so our income dropped even further. Being behind and trying

to juggle everything was a full-time job and became too stressful to continue manage on my own, not to mention

the constant arguments with my partner that escalated the stress. Finding Bill Butler was great, but letting

someone else help me manage my finances was hard! But now…I have never been so happy and content after

engaging with Bill Butler services and finally it feels like we are back on track. I have the utmost confidence in

the team and trust Bill Butler 110% with all the decisions surrounding my day to day finances. I see myself and

my family continuing to use the service for a very long time. Anna, Business Banker NSW

Advisor to prepare Preliminary Financial Health Check & Goals Review based on Initial Client Discussion

You don’t have to live in fear of losing your house. There is absolutely a light at the end of

the tunnel and it’s not that far away!

“Prior to Bill Butler I was behind on just about every form of credit I had. Both of my home loans were behind,

my phone connection was hanging on by a thread. Overall my personal finance was not in a good place, and I

made quite good money. I was constantly hounded by creditors, to the point where I wouldn’t answer private

numbers. I was sceptical of Bill Butler and what they offered and how they charged for their services,

my Mother’s financial planner even advised me to be cautious, but the team were great and explained

everything clearly. I have now been with Bill Butler for a year, and what I can say is Bill Butler has helped

me in just about every way they could, helping to lift the emotional stress, dealing with creditors and now not

only am I back on track I have saved over $10,000. It is just a huge weight off my shoulders. Bill Butler helps

you take control of your life again. There is absolutely a light at the end of the tunnel and it’s not that far away!

You don’t have to live in a world where you fear losing your house. Thanks Bill Butler for helping me to

improve my life and get my finances back in order. Ben, Plant Superviser WA

Free of “bad debt” and now have a lot less money stress, forever grateful we found Bill

Butler

“My financial challenge was simple, I had more money going out paying debts and bills than I had coming in, I

had hit rock bottom. I am forever grateful that we found Bill Butler. My family is free of “bad” debt now and

after getting our finances in order -paying debts, getting savings happening again, bills paid on time – we have

been able to get the loan we wanted and have a lot less money stress. Thank you Bill Butler for everything

you have done! We couldn’t have done it without the support and guidance we got from the Bill Butler team.

Anthony, Health and Wellbeing Officer - Mines, QLD

TESTIMONIALS

Advisor to prepare Preliminary Financial Health Check & Goals Review based on Initial Client Discussion

Terrific service for helping manage out of control debt and get back on track“I had accumulated debts including credit cards and a personal loan after separating from my partner after

having to pay her out. I was managing it all but then, I was made redundant from a very high paying job. The

debt reduction strategy that Bill Butler put together occurred initially for 12 months then extended to 24

months. It was adjusted progressively as my circumstances changed. There was no quick fixes here. The

plan involved debt negotiations and eventually a savings plan to help pay down debt faster. The eventual

outcome was the reduced settlement of unsecured debts and home loan refinance. This is a terrific service for

anyone needing to get on top of their debts. The team are really supportive and know how to make it happen.

Andrew, Salesman & Technician VIC

It made my life easier and gave me peace of mindI needed guidance on how to manage my money. The Bill Butler service was great, helping me to grow my

savings, stop the creditors harassing and give me peace of mind. All I can say is don’t wait just give Bill Butler

a call, it makes life easier. Philip Newport, VIC

TESTIMONIALS

Bill Butler is a personal finance service company enabling time poor and financially stressed Australians to outsource.

We collaborate with Financial Services Partners to provide a holistic service offering to clients.

Your financial edge