Young adults
If you’re young and studying or building a career, you mightn’t think there’s much an adviser can do for you until you’ve got more cash in the bank. But now is actually the time you should be setting some financial goals and putting a savings plan in place to help you work towards a new car, a trip overseas or a home deposit. Managing your money properly can make a big difference to your lifestyle now and in the future.
Superannuation 
Many of our clients approaching retirement wish they started saving for their superannuation at your age.
Why? Because it’s taking them longer than expected to reach a stage where they can comfortably retire.
It’s important to start thinking about:
● your first superannuation account
● government co-contribution
● making an investment choice
● how can you keep adding to your super if you begin a family or stop working.
Retirement planning 
There are a couple of issues you should start to think about regarding retirement planning such as:
● how much you'll need in retirement
● defining your lifestyle, financial goals and objectives for now and for the future.
Investments 
Committing to a savings plan and making good investments are important factors in growing your wealth.
What is your savings goal?
● saving for a car, holiday or home deposit
● gearing
● cash flow management
● paying for or paying off university and personal loans.

Insurance
Insurance is a really important part of your financial plan—you work hard to build assets and you should think about protecting them in case something goes wrong. Think about:
● income protection
● trauma insurance
● life insurance
● car insurance
● contents insurance.
Taxation
While you’re young, it’s a good idea to start thinking about how you can get the most out of your financial situation such as:
● investment reporting for personal tax and Capital Gains Tax issues
● debt management strategies: offset accounts and debt consolidation.
Redundancy and changing jobs
Growing your career is important and as you change jobs, it’s good to make sure you’re on track to meeting your financial goals and objectives. Take the time to review your:
● income and expenses
● goals
● superannuation.
Estate planning
In the event of a worse case scenario, have you considered:
● How to make sure your assets go to who you want them to?
● Superannuation: binding nominations versus trustee decisions?
● Who will look after your children if something happens to you?
Legislative and government changes 
Occasionally the government makes changes such as the co contribution scheme which can help boost your super by up to $1500 each year. Think about how you could benefit from these changes by maximising your opportunities and minimising your tax.
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.