Generations Personal and Professional Financial Advice WodongaFinancial Services Partners

Financial advice for families and adults

You've built your career to a point where you are really starting to make some headway. Life is getting busy though – a new relationship, starting a family and raising the kids – not to mention committing to and paying off that mortgage.

There is quite a lot an adviser can help you with – these are after all your earning years. Managing your money properly can make a big difference to your lifestyle both now and into the future.

Superannuation

Make the most of it – what your employer contributes is only a part of the story to maximizing your super.

  • Investment choice
  • Beneficiaries
  • SMSF
  • Government co-contribution/voluntary contribution
  • Salary sacrifice
  • Spouse contribution
  • Divorce and super – what happens?

Retirement planning

What sort of retirement lifestyle are you expecting – if you haven't put some goals in place, now is the right time to get the ball rolling.

  • Am I on track?
  • Help me reduce my mortgage
  • How do I find money for my children's education?

Investment

Make the most of your savings outside of super. Your adviser can help you with a number of key issues.

  • Saving and purchasing a house
  • Cashflow management
  • Accumulating wealth
  • Gearing
  • CGT implications
  • Inheritance

Insurance

You work hard to build your assets – so it would be silly not to protect them. Don't forget that you can protect your income too.

  • Income protection
  • Trauma
  • TPD
  • Death
  • Business Expenses
  • Buy/Sell, Key-Person and Loan Guarantor

We can even introduce you to a general insurance broker to insure your home, car, personal effects and business assets.

Taxation

No one wants to pay more tax than they have to – having the right financial planning strategy in place can help you achieve this goal.

  • Investment reporting
  • Debt management strategies that is, set up an offset account/debt consolidation

Redundancy/Changing jobs

Redundancy never happens at the right time, but seeking advice early can help your financial plans stay on track. If you're proactively changing jobs you will probably get a pay rise. Make the most of it by getting some investment advice.

  • Payment and investment options
  • Re-assessing goals

Estate planning

Planning for the unexpected becomes more important when you’ve got others depending on you. Seeking and implementing advice can provide peace of mind in the event of the unexpected. ?  Your Will is arguably the most important document that you will ever sign, because it gives away everything that you own.

  • Trusts
  • How do I distribute my estate fairly to my family and other beneficiaries?
  • Creating your estate plan together with your accountant and solicitor
  • Binding nominations versus Trustee decision
  • If something happens to me, who will look after my children?

Legislative/ Government changes

From time to time the government makes changes – the government for instance now allows you to access super from age 55. It's important you keep up to date with these changes.

  • Changes and opportunities

A brighter future.®

Planning for your financial future should be a positive experience and that's where we can assist. We can help you work through your financial goals and objectives to identify your options and provide you with tailored solutions.

By taking control, you increase the likelihood that you will achieve your financial goals.

The information within is general advice only, prepared without taking into account any of your individual objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. You should obtain a Product Disclosure Statement relating to products mentioned before making any decisions. For Australian residents only.

Graham Jenkin and Megan McGrath Authorised Representatives of Financial Services Partners Pty Ltd (ABN 15 089 513 587 AFSL 237590)
Nilmar Pty Ltd (ACN 122 436 891) as trustee for Generations Unit Trust (ABN 16 990 501 129) trading as Generations Personal & Professional Advice is a Corporate Authorised Representative of Financial Services Partners Pty Ltd (ABN 15 089 512 587 AFSL 237590).