Answer Ten

Retirement Planning

One of the biggest complaints we hear is that people wish they had started planning for their retirement sooner.

Whether you’re close to retiring or it is still a few years (or decades!) away, it is never too soon to ask yourself when will you retire and where is your retirement income going to come from?

Retirement planning is not just about using your superannuation or relying on the age pension. It is about structuring your finances to help you create an investment portfolio that will deliver an income throughout your retirement so you can live stress free and without compromising your lifestyle.

Don’t leave it too late, plan now for the best chance of a retirement that you have chosen and can control.

Cash Savings

Save it for a rainy day!

We all know how important it is to have cash on hand to help with small emergencies such as replacing a broken washing machine, medical treatments, or unexpected home repairs.

We can work with you to discuss your personal circumstances and recommend an amount of cash to keep in reserve for those rainy days.

Cashflow And Budgeting

You are likely at a stage in life where your capacity to save has increased. This could be due to a combination of expenses decreasing due to children leaving home, or hitting your salary peak.

This can be an exciting chance to capitalise on this surplus and save for the future – and that doesn’t have to mean that you can’t also spend now to invest in your current experience.

By planning out what you want to achieve, you can not only achieve purpose with your spending, but can also ensure you stay in control of your financial situation when the temptation to spend big grows.

With budgeting, the first step is always to map out your essential spending to see how much you have left for discretionary spending. Once you know exactly how much money you may have left to spend on things such as holidays or dining out, you have all the power and information to make critical decisions that align with not only your personal goals but your financial goals too.

Book an appointment

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