Financial Planning

A financial plan is about more than just numbers; it’s about setting you on a course to achieve your life goals – whatever they may be. And success looks different for everyone. That’s why your Apt Adviser works closely with you to understand what’s important in your life and build a plan that is as unique as you are.

 

Whatever your age, stage and life goals, we can build a plan that supports you with:

 

 

Investment Planning

Investment
Planning

Saving plans for major expenses and life goals

Saving plans for major expenses and life goals

Asset structuring and tax planning

Asset structuring and tax planning

Retirement Planning

Retirement
Planning

Debt management and pay-off planning

Debt management and pay-off planning

Personal wealth and family protection strategies

Personal wealth and family protection strategies

Planning for emergency funds

Planning for emergency funds

Estate planning and wealth transfer

Estate planning and wealth transfer

Get started today

Start a conversation with an Apt Adviser today and
get on track to live your best life.
Book a free consult

More money won't necessarily buy you happiness, but the right financial decisions can lead to a happier, more meaningful existence.

The right financial plan helps you align your finances and spending with your values and lifestyle. Your Apt Adviser will partner with you to create your personal approach to finances, one that:
  • Manages your investments to achieve the best mix to progress toward your goals
  • Continually builds financial literacy - after all, when it comes to your money, knowledge is power
  • Reduces stress and gives you peace of mind that your finances are in the best possible shape
  • Keeps you on track with your goals and accountable to yourself
  • Liaises with your other professional partners as a collaborative, trusted team
  • Allows you to live for today while planning for tomorrow

Financial planning looks different at every age, but we are always making financial decisions that will have long-term impacts.

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.

 

 

  • Your 50s

    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

    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

    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

    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

    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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Helping our clients to live their best lives

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Get started today

Start a conversation with an Apt Adviser today and
get on track to live your best life.
Book a free consult