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
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