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.
Make the most of it – what your employer contributes is only a part of the story to maximizing your super.
- Investment choice
- Government co-contribution/voluntary contribution
- Salary sacrifice
- Spouse contribution
- Divorce and super – what happens?
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?
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
- CGT implications
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
- 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.
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 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
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.
- 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.