FINANCIAL PLANNING

Financial planning is about developing strategies to help you manage your financial affairs and meet your life goals – and the first step is to make sure you have access to the right advice. Working with a professional financial planner can give you confidence and peace of mind that your financial future is secure.

A financial planner will be able to help you with areas such as budgeting, cash flow management, a savings plan, superannuation, tax planning, home loan repayments, debt management and reduction, insurance, investments and retirement.

Understandably, your financial goals will change over your lifespan. You need a financial plan to suit the stage of life you are in.

YOUNG TO MID-LIFE

You Are Establishing And Building Your Career And Perhaps Starting A Family.
You may be looking at:
● getting married
● first home
● having children
● income protection
● debt management
● family healthcare
● business planning

MID-LIFE

This is your consolidation stage – achieving a comfortable lifestyle and thinking about managing your long-term future.
You’re likely to focus on:
● protection of lifestyle
● healthcare
● investments
● tax management
● inheritance
● retirement planning
● long-term care planning

PRE-RETIREMENT

With 20 or more years of retirement ahead of you, your priorities will depend on how well you’ve prepared.
Your main concerns may be:
● protection of assets
● debt elimination
● family healthcare
● helping your children
● retirement planning
● wills and trusts
● business exit strategy

RETIREMENT

This is the time to indulge in hobbies or travel, enjoy your family and prepare for transferring your wealth.
You may be thinking of:
● protection of assets
● healthcare
● aged care planning
● inheritance tax mitigation
● gifting to family
● preserving your capital
● estate planning

About Financial Planning