Everyone has different needs and goals when it comes to their finances.
But no matter where you're at, a financial adviser can help you get organised to make sure your money is working hard for you.
They'll take a comprehensive look at your finances and help you find new opportunities to do more with what you've got.
Here are just some of the ways an adviser can help:
We can help you develop and stick to a budget so you can manage debt, pay your bills on time and save. This will also help you sort out your needs from your wants.
Investing your savings in a bank account such as a term deposit is a good strategy to achieve short-term goals, but acquiring growth assets such as shares can often be most effective when it comes to achieving longer-term goals. We can help you find the right balance.
Debt can be used to help you build wealth faster when it's used to acquire growth assets that produce an income. There are a range of strategies to help you use debt effectively, such as debt consolidation, gearing and debt recycling.
An adviser can help reduce your tax bill with a range of smart strategies, such as salary sacrificing into super, bringing expenses forward to the current financial year, and making super contributions on behalf of a spouse.
Increasingly for Australians, phasing into retirement gradually is the trend as we replace full-time with part-time work before retiring. There are many strategies to help achieve your goals that can be used in the lead up to, and during, your retirement.
