Benefits of a Financial Adviser


Aged Care

All too often, we need to make decisions quickly when it comes to aged care, 80% of people move into aged care directly from hospital. Which means decisions need to be made quickly at a very emotional time. Which is why it’s so important to understand the options you have for aging parents or loved ones in advance to ensure you are not put under unnecessary pressure at such a significant time in anyone’s life...

Cashflow & Budgeting

It’s important to know where you spend your money. Through efficient management of your finances you will be able to plan for your future with confidence. Spending the time to complete a budget planner will help you to take control of your financial situation. To ensure your budget is based on realistic figures keep a written record of all your income and outgoings for at least three months...

Debt Reduction

For most people, debt is unavoidable. From getting your first credit card, car loan or mortgage - borrowing is a common occurance for many. Borrowing for these types of purchases is not the only use of debt - gearing is also an option. Gearing is using borrowed money to invest. The aim of the strategy is to achieve an after-tax return on investment that is greater than the cost of the loan. If you succeed in this, then your total return on investment will be greater than if you had simply invested your own money...

Investments

People invest for many different reasons. Maybe you are saving for a big holiday, or to fund children’s education, repay your home loan faster or increase your retirement nest egg. After factoring in tax and inflation, chances are that funds held in low interest savings accounts may lose value in real terms over time. So, to stay ahead of inflation and taxation, you may need to invest in assets that deliver a higher return over time...

Retirement

The earlier you start preparing for your retirement, the more options you will have to stay on track and make the most of your savings, investments and super funds when the time comes. Have you seriously considered what your retirement will look like? Will you want to go on holidays and travel? Will your retirement savings be enough to fund your ongoing income to live a comfortable lifestyle? It is answers to questions like these that we can help shed some light on and ensure you plan today, for tomorrow...

Super

Superannuation exists to help you provide for yourself in retirement rather than relying on social security. As a result, your superannuation savings cannot be accessed until a condition of release is met, such as retirement or reaching age 65. Advantages of investing in assets in the superannuation environment can include contribution and tax benefits, insurance options and Government co-contribution incentives. Making the most of you super doesn't need to be complicated...

Disclaimer: Please note that this information is of a general nature only and have been provided without taking account of your objectives, financial situation or needs. Because of this, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.