Life Stages

Life Stages 2018-04-11T12:44:14+00:00

Understanding where you are on your life journey is critical to us helping you achieve your financial goals.

Before Children

Whether you’re single or a couple, the life stage before children does afford you more financial freedom – but for many they are not spending that money wisely or maximising the advantage of this time. We can help you set a plan for establishing good financial practices including:

  • Budgeting
  • Superannuation growth
  • Income protection insurance
  • Mortgage Broking for your first home
  • Starting an investment portfolio

As families develop and grow, and children arrive and get older there are a number of things that families often want – bigger cars, bigger houses/renovations, holiday budgets, savings for school fees and more. We can help you plan for all of these whilst ensuring the following is on track:

  • Budgeting, cash flow and debt reduction
  • Savings strategies
  • Superannuation
  • Investments and negative gearing
  • Income Protection insurance
  • Life insurance for both parents
  • Wealth Creation
Empty Nesters

Once children are close to leaving the nest (or have already flown), financial priorities tend to change and the belt may not seem as tight. It doesn’t mean though that there still aren’t financial goals to be considered such as upgrading cars, planning for bigger and longer holidays and potential toys like boats and caravans. We can help you navigate this next stage, keeping you on track for the end goal and helping you with:

  • Refinancing
  • Retirement planning
  • Estate planning
  • Insurance review
  • Investment growth
  • Superannuation growth
  • And for some, helping their children acquire their first property

Once retired, even though you can enjoy the fruits of your labours it is important to keep things in check. You may want to extend your superannuation, understand pension options and also plan for other things you may need into the future such as  health considerations, age care facilities and more. At this stage we can help you:

  • Retirement annual budgets
  • Estate planning
  • Age care planning
  • Investments for children/grandchildren
  • Purchasing caravan/boats