Making decisions without a financial plan is a bit like planning how you will get to your destination before you know where you are going. The earlier you start with financial planning, the more you can achieve, but it’s never too late to get your finances on track.
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Your 50s is the time when you are starting to think about a new stage in your life. Retirement is on the horizon and your children may have moved or be preparing to move out. Your financial planner can help you make the most of this time, including:
- Managing your investments to keep you on track with your goals
- Continuing to protect and grow your wealth
- Building future income streams
- Structuring and protecting your superannuation
- Increasing equity and considering future property needs
- Making retirement plans
- Balancing changing financial priorities to get the most out of life
- Dealing with life’s uncertainties, from getting the right insurances in place, to managing divorce or making the most of an inheritance
- Funding life goals, such as the trip of a lifetime, relocation, or giving adult children a headstart
- Creating or updating wills, family succession, wealth transfer and estate plans
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Your 20s should be about experience and enjoyment, but there’s no reason it can’t also be about getting your finances on track. Your financial planner can be a personal finance coach, helping you get set up for the life you want, including:
- Setting short and long-term goals and making a plan to achieve them
- Getting your finances on track and keeping them that way
- Getting started with investing
- Making sure your financial decisions align with your values and priorities
- Increasing your financial literacy because knowledge is power
- Protecting your lifestyle and what’s important to you
- Funding your life goals – that new car, amazing trip or the housing deposit – whatever they may be
- Supporting you on your journey to live your best life, today and tomorrow
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Your 30s is often about shifting priorities, and many find they are moving from a focus solely on themselves and their lifestyle today to thinking about the future and what they want out of life more broadly. Your financial planner can help navigate all of this, including:
- Getting started and growing your investment portfolio
- Managing your investments to keep you on track towards your goals
- Adjusting your financial plans as goals, values and priorities change
- Structuring and growing your superannuation
- Dealing with life’s uncertainties, from getting the right insurances in place, to managing divorce or making the most of an inheritance
- Funding life goals, such as a trip of a lifetime, getting married, living abroad, starting a family or climbing the property ladder
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Your 40s is likely the busiest decade of your life. Demands on your time and money are high, and you will likely have the most debt you will ever have. Your financial planner can help you manage this busy and often challenging time, including:
- Managing your investments to keep you on track with your goals
- Continuing to protect and grow your wealth
- Structuring and growing your superannuation
- Balancing your financial priorities to ensure you can get the most out of life today and tomorrow
- Managing debt and increasing equity
- Funding life goals, such as family travel, children’s education or your dream home
- Planning and funding aged care options for parents or other loved ones
- Dealing with life’s uncertainties, from getting the right insurances in place, to managing divorce or making the most of an inheritance
- Making and updating wills and estate plans
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Your 60s is the time when work takes a backseat and the focus can return to experience and enjoyment. Your financial planner can help you live the lifestyle you want, including:
- Managing your investments to keep you on track with your goals
- Protecting and structuring superannuation
- Preparing to transition from full-time work to retirement
- Making the emotional transition to retirement
- Managing super drawdown and maintaining retirement income streams
- Preparing to relocate, downsize or make a lifestyle move
- Funding life goals – such as living your dream retirement or giving adult children and grandchildren a headstart
- Reviewing your insurance needs
- Preparing to fund aged care and assisted living options for the future
- Finalising estate, wealth transfer and succession plans to ensure you can leave the legacy you want
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