Financial Planning through your different stages in life.

 

Whatever your stage in life, our financial advisers are here to help you every step of the way. 

It’s important to know what stage of life you are in.   You need to align your financial strategies and personal insurances with your relevant financial life stage.

You may be just starting out, or you might be getting ready to wind down.  Whatever your stage in life you want to know our options.  You want to know how best to transition between stages and how to make sure you reach your financial goals.

Our financial advisers can help you determine your financial life stage.  Our team can ensure you are set up for your current financial life stage.  We will work with you to ensure that your affairs are structured to effortlessly move into each financial life stage as it becomes relevant to your personal circumstances.

Financial planning is not one-size fits all.    Our financial planners will tailor a financial plan specifically for your circumstances and to meet your specific financial life stage.

Invest in your future today, enjoy your independence tomorrow. 

Early Career

It’s a pretty exciting time in your life, kicking off your career and setting up your financial future.    It’s the perfect time to set some goals.  It’s time to get organised and set up some great, life-long financial habits.

Your first superannuation investment

You are starting out in your career and are probably feeling a bit overwhelmed on how to set up your superannuation.

  • What is the best superannuation fund for me?
  • What is the best investment strategy for me right now?

What personal insurances do you need?

And what do you know about personal insurances?

  • What type of personal insurances do I need at this stage in my life?
  • What is income protection insurance, do I need it?
  • How much personal insurance do I need?

Budgeting and investments

Are you saving up for a house deposit or are you curious about your investment options?

  • How do I set up and maintain a personal budget?
  • What is the best use of my surplus cash flow?
  • How much house deposit do I need and how do I save up for one?
  • What is my risk profile? And how do I use this knowledge to set up the best investment strategy for me?

Middle aged

You have settled into your career and might have started your family.  Your expenses have increased.  You want to be able to manage your goals and debts efficiently.  You don’t want to be spending time worrying about your financial future.

  • How do I pay off my mortgage whilst paying for my children’s education?
  • How best do I manage my debt?
  • Where do I invest my surplus cashflow?
  • Is my superannuation fund investment strategy in line with my future retirement goals?
  • What personal insurances do I need to ensure that my family is financially secure if anything happens to me?
  • Where do I go to get a Will and estate planning advice?

Pre-retirement

You are getting ready for that retirement party.  Your children have grown up and your expenses are fairly fixed.  You are focused on the future and making sure you have enough money to retire with the financial freedom you have worked so hard to achieve.

  • How much money do I need to retire?
  • Is my superannuation strategy in line with my retirement goals?
  • How do I plan my cash flow as I get closer to leaving the workforce?
  • Do my personal insurances still meet my requirements?

Retirement

You’ve retired.  It’s time to enjoy the lifestyle you set in motion at the start of your career.

You no longer work.  You might have grandchildren.  You might be travelling the country as a grey nomad.  You might be sitting on a beach drinking cocktails.

However you choose to spend your retirement, you deserve it.  You’ve worked hard to create a financially independent retirement and you want to make sure it lasts.

  • Does my superannuation strategy still meet my financial goals and requirements during retirement?
  • How do I manage my cash flow to ensure my money lasts?
  • How do I learn about Centrelink eligibility and Centrelink benefits?
  • Am I eligible for any government benefits?
  • How do I make sure my Will and estate is tax effective and that my assets are passed to my intended beneficiaries?

Our financial advisers can help you determine your financial life stage.  Our team can ensure you are set up for your current financial life stage.  We will work with you to ensure that your affairs are structured to effortlessly move into each financial life stage as it becomes relevant to your personal circumstances.

Financial planning is not one-size fits all.    Our financial planners will tailor a financial plan specifically for your circumstances and to meet the requirements for your specific financial life stage.

Give us a call today and get started.

Craig – 0437 110 000