Prudent
Practical
Progressive

Prudent Advice. Practical Solutions. Progressive Results.

Expert financial strategies to achieve financial independence

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Your Unique Challenges

Whether you are building wealth, preparing for retirement, or managing the complexities of cashflow and tax, we address your unique challenges with tailored strategies designed to provide certainty, control, and confidence. With our guidance, you will achieve clarity in your finances, sustainable growth, and lasting peace of mind.

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Our Expertise

We provide a range of financial strategies to help you achieve your financial goals. Our team is dedicated to providing personalised solutions tailored to your specific needs.

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Strategic Financial Planning

Strategic financial planning creates a clear roadmap to achieve your financial goals. It involves assessing your current finances, setting future objectives, and implementing strategies to grow, protect, and optimise your wealth. With a tailored plan, you can build wealth, reduce taxes, prepare for retirement, manage risks, and achieve financial independence. Strategic Financial planning brings certainty, control and confidence to your financial future!

Estate Planning

Wills Testamentary Trusts Powers of Attorney Loans to children Beneficiary nominations

Wealth Protection

Personal Insurance Income Protection Life cover Lump sum disability (TPD) cover Critical illness / Trauma cover Personal Insurance Claims

Tax-effective strategies

Tax (Financial) Advice

Cashflow Optimisation

Budget and cashflow planning Debt management strategies

Wealth Management

Wealth Ownership and Structures Discretionary and Family Trusts Business Entities Investment Strategies Exchange Traded Funds Shares Properties Index Funds Separately Managed Accounts Managed Discretionary Accounts Investment Bonds Employee Share Schemes Portfolio Administration Services

Superannuation

Investment Management Self-Managed Superannuation Fund (SMSF) Retail Super Funds Public Offer Funds Industry Super Funds Transition to Retirement Strategies

Retirement Planning

Retirement Income Planning Pension strategies Annuity Strategies Social Security Advice Centrelink Department of Veteran’s Affairs (DVA)

Business Insurance

Key-Person Insurance Business Protection Insurance Business Overheads Insurance Buy-Sell Insurance

Our Process

We’ve designed a clear and collaborative process to deliver tailored financial solutions aligned with your goals and values

Initial Phone Call

A no-obligation conversation to understand your current situation and explore if we’re the right fit.

Schedule Call

Phone

Introduction Session

Discuss your financial outcomes, grounded in your values, and agree on a professional fee.

Strategy Session

Assess your financial situation and define the outcomes needed to achieve your lifestyle goals.

Technical Analysis & Financial Modelling

Our expert team develops a customised financial plan using evidence-based strategies.

Plan Presentation

We present the recommended strategies, ensuring clarity and alignment before moving forward

Implementation

Our team of experts collaborates with you to seamlessly complete your tailored financial strategies, ensuring every step is managed with precision and aligned with your goals.

Ongoing Partnership

With regular progress reviews, we ensure your plan adapts to changes and keeps you on track to meet your financial objectives.

Our Fees

Initial Phone Call

Enjoy a complimentary

(on our account)

initial consultation where we discuss your personal and lifestyle goals and chat about how partnering with our team can get you there

Phone

Schedule Call

Personalised Fixed Pricing

We charge a professional fee-for-advice on a personal fixed-fee-basis (rather than a percentage-based arrangement)
You know exactly what's coming. No surprises

Ongoing Maintenance

Our retainer options offer flexibility to help you build confidence in your financial future, from foundational planning to tailored solutions for complex needs.

We love seeing our clients succeed

We love a good chat, and never charge for phone calls

Norma Falconer

Founder
Strategic Thinker
Principal Financial Planner

Norma Falconer | Strategic Thinker | Think Capital Advice

Prudent | Practical | Progressive

Norma Falconer | Strategic Thinker | Think Capital Advice

Prudent | Practical | Progressive

Norma Falconer | Strategic Thinker | Think Capital Advice

Prudent | Practical | Progressive

Norma Falconer | Strategic Thinker | Think Capital Advice

Prudent | Practical | Progressive

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Norma Falconer brings over 35 years of diverse financial services experience, in South Africa and Australia, to her role at Think Capital Advice.

Her career in banking, stockbroking, and insurance, together with her business acumen, has led to her founding and successfully growing three financial planning firms during her career.

Norma is a recognised authority in designing strategic financial plans for high-net-worth Business Owners, Professionals and their families.

Her expertise includes:

retirement planning, superannuation including self-managed superfunds, wealth creation, investment management, tax-effective strategies, leveraging debt for wealth creation, personal insurance, business succession insurance, estate planning and inter-generational wealth transfers.

Norma is professionally licensed with the Australian Securities and Investments Commission. She holds numerous qualifications, including a Post Graduate Diploma in Financial Planning and advanced certifications in wealth management and investment strategies. Her deep commitment to professional development ensures she remains at the forefront of financial expertise.

At Think Capital Advice, Norma's approach is client-centric, tailoring financial strategies to unique personal circumstances and delivering clear, actionable solutions for financial success.

She is passionate about financial education and empowerment, regularly contributing her insights as a speaker, writer, and media contributor.

Norma's professional engagements extend to community service, where she fills leadership roles in organisations supporting business owners, women, youth, and local community initiatives.

Her mission at Think Capital Advice is to significantly enhance her clients' financial well-being through prudent advice, practical solutions, and progressive results.

Norma’s story is one of resilience and dedication, shaped by personal challenges that have imbued her with a unique perspective on the power of effective financial planning.

Her approach not only aims to meet financial goals but also to inspire her clients towards achieving a life marked by financial independence and confidence.