Adults
You’ve established your career and are now balancing relationships, children and paying off your mortgage. There’s a lot an adviser can help you with during these years and managing your money well now can make a big difference to your lifestyle in the future.

Superannuation 
Have you thought about making the most of your super during your working years? What your employer contributes is only part of the way to maximise your super. There are also:
● investment choices
● beneficiaries
● government co-contributions
● voluntary contributions
● salary sacrifices
● spouse contributions.

Retirement planning 
What sort of retirement lifestyle do you want? If you haven’t put some goals in place, now is the time to look at ways to reduce your mortgage, make sure you’ve got funds for your children’s education and that you’re on track to planning the retirement you want.

Investments 
You work hard to build your assets so it would be unwise not to protect them. Don’t forget you can protect your:
● car
● house and contents
● income
● business.

Taxation
No one wants to pay more tax than they have to. Having the right financial strategy in place can help you achieve this with investment reporting and debt management strategies such as account or debt consolidation.

Redundancy and 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 and receive a pay rise, make the most of it by getting investment advice on payment and investment options and regularly reassess your 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. Have you thought about:  
● Trusts?
● How to distribute your estate fairly to your family and other beneficiaries?
● How to create your estate plan?
● Binding nominations versus trustee decisions?
● If something happens to you, who will look after your children?

Legislative and government changes 
Occasionally, the government makes changes such as allowing access to your superannuation from age 55. Make sure you keep up to date with these changes and consider how it may affect your personal situation.
Planning for a brighter future
Planning for your financial future can be a positive experience and that’s where we want to assist you—we can help you work through your financial goals and objectives and provide you with tailored solutions to maximise your opportunities.

Call us on 1800 773 509 for an obligation free appointment to discuss your personal financial goals and needs.