Financial Planning

Why you need Advice

When it comes to planning for the future, many Australians are missing the big picture with their money.  Despite the much-publicised increase in share ownership, many investors (or would-be investors) still have their savings stuck in bank term deposits.  At the opposite end of the spectrum are investors who may be a little too brave in the new world, wasting time and even losing money trading on the internet.  Then there are investors who are so caught up trying to minimise tax each year that they're missing out on long-term growth opportunities, while others forget to take their tax position into account at all.  There are also many investors who are genuinely interested in doing the right thing with their money, but don't know where to turn for advice.  If you're serious about reaching your long-term lifestyle and financial goals, and you want to make sure you're looking at all your options, you should talk to a professional financial planner. Your planner can put you in the best seat in the house.

How can a financial planner help you?

Financial planners are trained and competent to advise on a range of matters, including:

• Financial management from basic budgeting to complex portfolios. • Investment strategies, including recommending investment categories and specific products. • Superannuation strategies to help you accumulate enough money to retire with the lifestyle you'd like and strategies to help you minimise the tax you pay right now. • Retirement planning for people who are retiring soon or many years from now – the sooner you plan the better. • How to use a redundancy payout most effectively, including how to make it last as long as possible. • Insurance to make sure you adequately protect what you've achieved so far, whether that's a property, assets or your income.

Benefits of financial advice

Professional financial planning advice:

• Gives direction and meaning to your financial decisions • Helps protect and build your income or investments your income or investments • Assists you to plan major changes in your personal circumstances e.g. retirement • Allows you to see your financial decisions in the big picture • Provides a sense of security and peace of mind that you are on track with your financial goals

Please speak to one of our professionals for more information.