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 How we can help We offer personal financial planning advice for people at all stages of their lives, from wealth creation through to retirement planning.  When you're starting out on your wealth creation path we can help you develop a savings plan, explore super salary sacrifice strategies, ensure your investments are as tax effective as possible and put insurance cover in place to protect your wealth.  For couples looking to buy a home, budgeting and security are paramount. You need to ensure that you are using your money in the most efficient way so that you can achieve your goals within the relevant time frame.  For people having a new baby, the protection of your family comes to the fore. A family protection plan is critical. We review your levels of life and TPD insurance, income protection insurance and critical illness (or trauma) cover. This is an ideal time to start a savings plan to fund your child's education.  Parents with children in their school years should make sure their super is working for them, keep their insurance cover set at appropriate levels and continue to build wealth for their future. With growing children you certainly need to have your finances in place to allow you to cope with any unforseen expenses.  Five years out from retirement is time to do some pre-planning and check your financial goals are on track. Do you have enough in super to give you the income you need in retirement? Are you making the most of legislative changes e.g. Transition to Retirement? There's sure to be some future purchases to budget for - a new car, an overseas trip, maybe a boat or a caravan?  Approaching retirement can be a daunting time. There are many emotional matters to deal with. However, if you have your financial plan in place, your move into retirement should be a simple one, free from stress and worry. Your retirement plan should ensure you have enough regular income to allow you to live the lifestyle you want and the one you deserve! Where do you start? The first step in putting together any financial plan is to prepare a budget to determine where your current money is being spent. We have a Budget Planner that you are welcome to download and use to put together your own budget. Click here to download a copy of our Budget Planner Excel spreadsheet. Call us on 02 9965 7275 to discuss making an appointment so you take the first step towards achieving your financial goals. Our Prosper Wealth Program is available to provide you with the ongoing care and ongoing service that will ensure your financial strategy and investments remain on track to achieve your goals, every step along your path to prosperity. |
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