Big Oak Financial Services

Big Oak Financial Services We specialize in personal financial advice for young families, business owners, professionals & medical experts, separated couples.

We offer guidance in education funds, asset protection, insurance, retirement, investments, superfund & estate planning.0

πŸŽ“ The best gift you can give your child has nothing to do with birthdays or Christmas.It's starting their education fund...
19/06/2026

πŸŽ“ The best gift you can give your child has nothing to do with birthdays or Christmas.

It's starting their education fund early.

In Melbourne, private school fees can range from $20,000 to $40,000+ per year.

International schools can cost even more.

And if you came to Australia as a migrant, you may understand how important education is for many families.

The good news?

You don't need to have all the money set aside today.

You just need to start.

Here are a few reasons education-focused investment strategies are worth exploring:

βœ… Potential tax advantages, depending on the structure used
βœ… Possible government incentives and rebates, where eligible
βœ… Flexibility to help fund school, university, or vocational education expenses
βœ… May offer advantages for long-term family wealth planning
βœ… Starting early gives investments more time to grow

Even contributing a small amount regularly can make a meaningful difference over time.

πŸ’‘ Starting with $100 per month when your child is young may lead to very different conversations when education expenses arrive later.

If you have children and haven't looked into education funding yet, consider this your reminder to explore your options.

πŸ’¬ Drop a πŸŽ“ below if you're already saving for your child's education.

πŸ”— Link in bio for a free chat.

⚠️ General advice only.

πŸ’Ό Running a business is hard enough.Your finances shouldn't be the thing keeping you up at night.Here's what working wit...
18/06/2026

πŸ’Ό Running a business is hard enough.

Your finances shouldn't be the thing keeping you up at night.

Here's what working with a financial planner can look like for business owners:

βœ… Separate your personal wealth from your business risks
βœ… Make sure your retirement savings aren't being neglected while you focus on growing revenue
βœ… Review important insurance considerations, including Key Person, Business Expenses, and Income Protection
βœ… Create a plan for what happens if you exit, sell, or step back from the business
βœ… Explore strategies that may help improve tax efficiency over the long term

Many business owners assume financial advice is only for retirees or high-net-worth individuals.

In reality, it can be especially valuable during the growth phase, when decisions made today can have a significant impact over time.

πŸ† With more than 24 years of experience and recognition as Risk Adviser of the Year 2024, helping business owners build for both their business and their family's future remains a key focus.

If that sounds like you, let's talk.

πŸ“… 15 minutes Discovery call. No pressure.

πŸ”— Book via the link in bio.

⚠️ General advice only.

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Your family's financial needs will look completely different in 10 years. And 20. And 30.That's not a warning β€” ...
17/06/2026

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Your family's financial needs will look completely different in 10 years. And 20. And 30.

That's not a warning β€” it's an opportunity.

The families who plan for every stage of life, not just today, often find themselves better prepared for the future.

πŸ‘‰ Swipe to see how priorities can shift over time.

πŸ“ NOW β€” Young Family Stage

βœ… Emergency fund

βœ… Income protection insurance

βœ… Education fund started

πŸ“ BUILDING β€” Kids in School

β€’ Mortgage strategy

β€’ Growing super balance

β€’ Rising education costs

πŸ“ ACCELERATING β€” Kids Growing Up

β€’ Debt reduction

β€’ Building an investment portfolio

β€’ Planning for school fees, university, or gap years

πŸ“ PREPARING β€” Approaching Retirement

β€’ Maximising retirement savings

β€’ Estate planning conversations

β€’ Defining what retirement looks like for you

One thing I hear often from families who start planning early:

πŸ’¬ "I wish we'd done this sooner."

You don't have to navigate it alone.

πŸ“… Start with a free 15-minute call.

πŸ”— Visit our Website β€”link in bio.

⚠️ General advice only.

πŸ’Ό Most business owners I meet have one thing in common.They've been so busy building their business.....that they've for...
16/06/2026

πŸ’Ό Most business owners I meet have one thing in common.

They've been so busy building their business...
..that they've forgotten to build their retirement.

❌ No regular super contributions.
❌ No strategy for what happens when they eventually sell the business or step back.
❌ A home loan they're working hard to pay off before retirement.

Sound familiar?

Here's the question that can change everything:

πŸ’­ "Is putting every spare dollar into your mortgage actually the smartest move?"

The answer: not always.

Depending on your circumstances and business structure, super contributions may be more tax-effective than making extra mortgage repayments.

Before making that decision, it's important to consider:

βœ… Your current tax position
βœ… What your super balance looks like today
βœ… Whether you're making the most of contribution opportunities
βœ… Your retirement timeline and goals

These are exactly the kinds of topics we discuss during a discovery call.

No obligation. Just clarity. 😊

πŸ“… Book your free 15-minute call β€” also in bio.

⚠️ General advice only.

πŸ’° The money lessons your kids may never learn at school(But you can start teaching them at home tonight.)Most of us grew...
15/06/2026

πŸ’° The money lessons your kids may never learn at school

(But you can start teaching them at home tonight.)

Most of us grew up without talking much about money.

No budgets. No explanations about saving or investing. No conversations about how loans, mortgages, or long-term financial planning work.

And many of us felt the impact later in life.

The good news? Some of the most valuable financial lessons happen at home.

Here are a few simple things you can do this week:

βœ… Let them see you budget, even if it's just for groceries.
βœ… Give them a small amount of money to manage and allow them to learn from mistakes.
βœ… Talk about trade-offs: "We could buy X today or save for Y later."
βœ… Explain investing and retirement savings in simple terms: "It's money that can grow over time."

You don't need to be a financial expert to help your children build healthy money habits.

You just need to start the conversation.

πŸ’¬ What's one money lesson you wish someone had taught you growing up? Share it in the comments.

πŸ”— Full article linkβ€” https://bigoakfinancial.com.au/latest-articles/financial-literacy-for-life-what-schools-dont-teach/

⚠️ General information only. This content is educational in nature and should not be considered personal financial advice.

πŸ“… EOFY is just around the corner, and for financial planners, this is one of the busiest times of the year.Right now, I ...
03/06/2026

πŸ“… EOFY is just around the corner, and for financial planners, this is one of the busiest times of the year.

Right now, I am helping clients:

βœ… Maximize concessional contributions
βœ… Review contribution caps and carry-forward amounts
βœ… Implement tax-effective strategies
βœ… Review superannuation and pension arrangements
βœ… Prepare action plans before 30 June

A few strategic decisions before the end of the financial year can make a meaningful difference to your long-term financial position.

If youwould like to review your super, tax planning opportunities, or overall financial strategy before the deadline, now is the time to act.

πŸ“ž Book a 15-minute Free Discovery Call
https://calendly.com/janice-bigoakfinancial/15min

🌳 Big Oak Financial Services
βš–οΈ General advice only.

Jannice Choo, Authorised Representative No. 404962
Lifespan Financial Planning
Australian Financial Services Licence 229892

🚨 Only 28 Days Left to ActDivision 296 is now law.From 1 July 2026, individuals with superannuation balances above $3 mi...
02/06/2026

🚨 Only 28 Days Left to Act

Division 296 is now law.

From 1 July 2026, individuals with superannuation balances above $3 million may be subject to an additional 30% tax on earnings above the threshold.

The good news? There may still be strategies available before 30 June to help position your wealth more effectively.

βœ” Review your super structure
βœ” Explore contribution opportunities
βœ” Consider strategic planning options before the deadline

Do not wait until the rules take effect. The cost of inaction could be significant.

πŸ“ž Book a free 15-minute Discovery Call
https://calendly.com/janice-bigoakfinancial/15min

🌳 Big Oak Financial Services
βš–οΈ General advice only.

Jannice Choo, Authorised Representative No. 404962
Lifespan Financial Planning
Australian Financial Services Licence 229892

πŸ’Ό What happens to your wealth after you are gone?It is a conversation many families avoid. But with proposed trust refor...
28/05/2026

πŸ’Ό What happens to your wealth after you are gone?

It is a conversation many families avoid. But with proposed trust reforms and changing estate planning rules, understanding your structure matters more than ever.

πŸ“‘ Trusts
πŸ’° Tax implications
πŸ‘¨β€πŸ‘©β€πŸ‘§ Protecting family wealth
βš–οΈ Making informed decisions before changes happen

The right estate structure could help protect your legacy and provide greater clarity for the next generation.

🌳 Ready to discover yours?
πŸ“ž Book a free 15-minute Discovery Call
https://calendly.com/janice-bigoakfinancial/15min

✨ No quotes. No pressure.
Just the questions that shape the rest of your financial life.

πŸ“§ [email protected]
🌳 Big Oak Financial Services

βš–οΈ General advice only.
Jannice Choo, Authorised Representative No. 404962
Lifespan Financial Planning
Australian Financial Services Licence 229892

Worried about the Federal Budget changes?If you already own an investment property, there may be opportunities and prote...
27/05/2026

Worried about the Federal Budget changes?

If you already own an investment property, there may be opportunities and protections available to you. Understanding the new rules early can help you make confident financial decisions for the future. 🌳✨

At Big Oaks Financial Services, we help you navigate changing legislation with clear advice, strategic planning, and personalized support every step of the way.

πŸ“… Changes from 1 July 2027
🏑 Investment property guidance
πŸ“ˆ Strategic financial planning
🀝 Personalized advice tailored to your goals

πŸ‘‰ Book a 15-min discovery call today and plan with confidence.
πŸ“… https://calendly.com/janice-bigoakfinancial/15min

General advice only.

🌳 Big Oaks Financial Services
Jannice Choo | AR 404962
Lifespan Financial Planning | AFSL 229892



















Most financial plans start with the wrong question."How much do you need?" "What is your risk tolerance?" "What is your ...
26/05/2026

Most financial plans start with the wrong question.

"How much do you need?"
"What is your risk tolerance?"
"What is your savings target?"

Good questions. But none of them answer the one that actually matters: Why are you building wealth in the first place?

I don't just plan your money. I help you find your ikigai; your reason for being.
The place where what you love, what you are good at, what the world needs, and what you can be paid for all meets.

Because a wealth plan that starts with your why not your number is the only one that truly works.

Ready to discover yours?
πŸ“ž Book a free 15-minute Discovery Call calendly.com/janice-bigoakfinancial/15min
No quotes, no pressure just the questions that shape the rest of your financial life.

πŸ“§ [email protected]
🌳 Big Oak Financial Services
βš–οΈ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.




















Address

Level 1, 14-16 Yarra Street
South Yarra, VIC
3141

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61400433216

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