Why Seek Advice


Lifestyle Planning & Protection

Quality financial advice can help you create a better future. The best things in life are free, however more to spend or save definitely helps. Strive to achieve your goals and objectives through professional advice. Financial planning can be complicated, it could increase your options and unlock hidden potential.

Financial planning aims to achieve your goals through efficient management of your financial affairs. Many advisers are happy to visit your home or workplace for an obligation free initial consultation.  A confidential discussion with a suitably qualified and experienced adviser can provide a good indication of how their services could improve your current situation.  

> Successful investors tend to plan ahead so they can utilise time instead of risk.

> Restructuring current income or expenses could create capital for additional expenditure.

> Compare your alternatives before committing a large sum to an illiquid and concentrated (high risk) direct investment property.

Many retire with insufficient funds to support a comfortable post employment lifestyle. Some superannuation funds are more competitive and likely to be in your best interests than others.

Address your personal risk insurance needs before a serious accident or illness. Most people are under or over insured and there are many options to consider. Your income is one of your most important assets. For example, what would happen to your mortgage and/or lifestyle if you were unable to generate income for an extended period? Many of us have general insurance in place while overlooking or neglecting cover for income that funds these types of expenses.

A second opinion could confirm your direction if you prefer planning your own financial affairs.

Financial advisers can help you with retirement planning, investing, superannuation, insurance, margin lending, self managed super, cash flow, salary packaging and redundancies. Your business or organisation may also benefit from financial planning services.

Some advisers offer limited advice because they specialise in insurance, broking or accounting, while others provide comprehensive advice that covers many aspects of your personal circumstances. Refer to our services for more information about the services we provide. 

Standards, fees and benefits also vary between product and service providers. Refer to about us for information regarding our qualifications and experience. Request a product or service comparison if you already have an existing adviser. Our fees vary depending on complexity and can be deducted from superannuation or insurance in some cases. Ongoing advice (review) fees are generally tax deductible when paid outside superannuation.

ASIC’s MoneySmart website can help you find a suitable adviser or contact us if you would like to discuss your specific requirements.