Planning for the events in your life
Whether they’re near or far.
It’s only natural. Mostly people don’t think about what they need until they need it. So we’ve arranged the important things we think you’ll need in life according to when you’ll need them. Too easy.
Aged Care
The help starts now
It’s really hard to think about your own aged care. But by the time you get there, you may be thankful the decisions have been made already.
This is a highly regulated area, so it helps to have some expert advice. And you need to have your finances structured in a way that gives you the outcome you want.
You might want to talk about your income, the best way to structure investments, how you manage your retirement and how your estate planning will be affected by your choices.
What services do I require?
- Income
- Investment
- Estate Planning
- Retirement
A new business
How you start matters
There’s a lot to think about when you’re starting or buying a new business. So lots of people miss some of the things they should be thinking about. Like your income expectations, how your debt will be managed inside and outside the business, life and/or expenses insurance, the impact on your retirement plans and how your estate should be managed with the business.
What services do I require?
- Income
- Debt
- Life Insurance
- Estate Planning
- Retirement
Buying a house
How you start matters
There’s a lot to think about when you’re starting or buying a new business. So lots of people miss some of the things they should be thinking about. Like your income expectations, how your debt will be managed inside and outside the business, life and/or expenses insurance, the impact on your retirement plans and how your estate should be managed with the business.
What services do I require?
- Income
- Debt
- Life Insurance
- Estate Planning
- Retirement
Buying an investment property
You’re building
This is exciting. A great financial opportunity. It can affect a lot of other matters, though.
Of course you’ll want to make sure the investment fits with everything else you’re doing. For example, that your income covers everything with this new element in the mix. And you’ll want to make sure you’re covered if anything goes wrong.
What services do I require?
- Income
- Investment
- Debt
- Life Insurance
- Estate Planning
Children leaving home
The pressure’s off
Having children has been a driving force in your life. You’ve organised your life and your finances around their needs. Now it’s time to think about you and what you need – now and in the future.
You may find your expenses change, so you can think differently about your income, your investments and your debt. Your insurance needs will also change. All of which means you may be able to do more for your retirement and estate planning.
What services do I require?
- Income
- Investment
- Debt
- Life Insurance
- Estate Planning
- Retirement
Children’s education costs
A learning curve
For some people, education costs are significant and continue for a long time. So it pays to plan how to manage them and how they affect your other financial matters.
It’s important to consider your income and tax position, how investments might help cover costs over time, the relationship with debt and how insurance might help.
What services do I require?
- Income
- Debt
- Life Insurance
- Estate Planning
Divorce
After the division, you’ll want multiplication
There are enough heartaches associated with this life event without creating more financial troubles. It’s time to make some good decisions.
So much changes when you no longer have joint financial arrangements. We’ll need to talk about what this means for your income, wealth and investment plans, and how it affects your debt arrangements. Everything changes for life insurance, your retirement and estate planning, too.
What services do I require?
- Income
- Investment
- Debt
- Life Insurance
- Estate Planning
- Retirement
Getting married
It’s about more than a wedding
So, you’re ready for a lifetime partnership. Whether you make plans or not, your finances partner up, too. This is a chance to make some really good moves. You can make choices about your income and there are tax implications. Maybe you had separate debt and you want to consider how it should be shared, or not. You probably have altered views on insurance and beneficiaries and the same goes for estate planning. You’re in this together, now.
What services do I require?
- Income
- Debt
- Life Insurance
- Estate Planning
Mortgage paid off
A chance to rethink
Congratulations! What an achievement. All these years you’ve been making the payments. Now you have a real opportunity to achieve new financial goals.
Let’s look at your income, your investments, your insurance and what this means for your retirement, which might be your next big goal.
What services do I require?
- Life Insurance
- Retirement
Preparing for retirement
It’s more than just dreaming
This is one of those things that the earlier you start, the easier it is. But it’s also true that it’s never too late.
How much you can save and the way you save it relates to your income and how you receive it. You need to think of the relationship with your other investments and your insurance. And of course, this saving is a major input to your estate and retirement planning.
What services do I require?
- Income
- Investment
- Life Insurance
- Estate Planning
- Retirement
Receiving an inheritance
Now what?
Inheritances can be a welcome windfall, but they can be complicated, too. Sometimes they come in a form that isn’t what you need, so that’s an extra consideration. How can you turn the asset you received into something you can use?
We’ll probably need to talk about your investments, your current debt, how your retirement is affected and what this means for your own estate.
What services do I require?
- Investment
- Debt
- Estate Planning
- Retirement
Receiving a pay rise
Doing more with more
Well done. You’ve worked for it. Now make it work for you.
Now you have more income, you might like to think about how you use and structure it to best advantage. You might like to look at some investment, rethink your debt position and consider your life insurance.
What services do I require?
- Income
- Investment
- Debt
- Life Insurance
Receiving unexpected money
This could make a real difference
Woo hoo! Let’s make sure it does.
We’ll need to talk about how this affects the treatment of income you already have, whether you’d like to make investments or pay off debt and your approach to insurance. Is it an opportunity to do something different, or an asset you’d like to protect?
What services do I require?
- Income
- Investment
- Debt
- Life Insurance
Saving for a deposit
Start anywhere
Saving for a deposit for a big purchase like a house can seem like an insurmountable task. We help you cut it down to size and put it into perspective.
There are so many ways to do this one and which way you choose depends on your income, any other investments you may have. You might want to think about insurance, too.
What services do I require?
- Investment
- Income
- Life Insurance
Starting a family
You won’t just be changing nappies
Starting a family is one of the happiest times in your life. But it also means a lot will change, which can be a little scary. Unless you plan for it.
Chances are your income will change. And so will your needs. It can be a chicken-and-egg thing. How much do you want to work? How much do you need? With a family, many people want to take on more debt just at the time their income is paused or reduced. So it’s really important you have the right kind of debt.
With increased responsibility, most people find their appetite for risk reduces – those ‘what if’ questions become all the more important. So you might want to reconsider your insurance needs, too.
What services do I require?
- Income
- Debt
- Life Insurance
- Estate Planning
Selling an asset
Maybe it’s a swap
Selling something valuable is all about what it’s worth. So how do you turn the proceeds into something even more valuable?
Some things you might like to consider are whether you want to adjust your income, create or change investments, restructure your debt and consider your approach to your retirement plans.
What services do I require?
- Income
- Investment
- Debt
- Retirement
Saving for retirement
Even if it isn’t close
This is one of those things that the earlier you start, the easier it is. But it’s also true that it’s never too late.
How much you can save and the way you save it relates to your income and how you receive it. You need to think of the relationship with your other investments and your insurance. And of course, this saving is a major input to your estate and retirement planning.
What services do I require?
- Income
- Investment
- Health Insurance
- Retirement
Need to chat with an adviser?
We’ll find just the right person for you.