GETTING AHEAD AND PLANNING FOR THE FUTURE

Over the last few years, you’ve probably become more comfortable with your financial position. With your student loans mostly paid off and a few years under your belt in the workforce, you are starting to enjoy some of the luxuries that an increased salary can bring.

You are working hard and dreaming big and, while

you are certainly earning more, you are spending more as well. Are you finding that your salary isn’t going as far as you thought it would? Are you losing sight of where your money actually goes?

Getting ahead can be hard. You need a clear vision of what you want to achieve and have a plan in place to ensure you don’t lose focus. A financial adviser can help you:

• manage and reduce your debt
• save more, spend less and invest the difference
• plan for your future: understand your expenses and maximise your  growth opportunities

As part of our lifetime advice investment philosophy we are here to help you focus on what you want to achieve with your money. By working closely with you, we support you in your investment decisions, help you manage your debt and make sure you are looked after in the event that something happens to you.

Case study

Jenny is a 32 year old and is working full time as an account manager. She earns a salary of $75,000 per year, and has personal debts of $5,000 and an $8,000 car loan. Jenny is transferring a portion of her income each month to a high interest savings account and is steadily paying back her credit card debt. Jenny is saving for a deposit for a home, however, feels her current level of debt is holding her back.

How we can help

Once Jenny has identified her short, medium and long term financial goals, we could work with her to develop a financial plan to help her achieve those goals.

Some of the areas we would help Jenny to focus on would be managing cash flow and reducing debt and then implementing investment strategies to maximise her wealth. We would also work with Jenny to make sure she has the appropriate levels of risk insurance to protect herself from any unforeseen  circumstances.

Area of Focus:

• Grow your savings plan
• Manage increased household expenses
• Manage debt
• Build a passive income through investments and property
• Manage your superannuation
• Deal with career changes, such as redundancy or starting your own business
• Protect your lifestyle and assets

The decisions you make now can have an impact on how your finances will look in the future. To find out how one of our qualified advisers can help you take the first steps towards financial independence, call us today on 5366 1000.