Many people think financial planning is just about preparing for retirement but in fact financial planning is about making the most of what you have – at every stage in life. 

Whether it’s investing, making the most of your superannuation or minimising tax, financial advice can make a real difference in your life.

Investing
If you are interested in investing, there are several things you need to consider. For example, how long do you have to invest and how comfortable are you with fluctuations in the value of your investments? A financial planner can help you determine your time horizon and risk profile, and then recommend the most suitable types of investments to help you realise your goals.

Super
Super is simply another type of investment structure – the same investment principals apply, but the concessional tax environment makes it one of the most tax-effective ways for you to save for retirement. Unlike your other investments, you can’t access your super until you reach your preservation age or retire, so it’s generally considered a longer term investment. Therefore, it’s important to make sure it’s invested in the right way and in line with your risk profile.

Here are some of the general areas you can seek advice on:

  • Stockbroking, investments, shares, gearing and life insurance
  • Tax-effective superannuation strategies
  • Centrelink and aged care strategies 
  • Estate planning strategies
  • Portfolio administration