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Life just seems to get busier as we climb the career ladder and raise a family. Whether it’s juggling work commitments, running around to kid’s activities or keeping in touch with friends and family, at this time in our lives it’s not unusual to have a lot on our plate.

It’s also a time when we might have a large mortgage, education expenses and other costs that can make cashflow a little tight.

You could feel like you aren’t in the best position right now to be thinking towards your future financial goals. But, in fact, now is the ideal time to get serious about your future and proactively grow your financial position.

Grow your wealth

Creating a long term financial plan

When you’re in your 30s and 40s it’s the ideal time to consider your long term financial future. This is when you can set yourself up on the path to financial security.

You want to be able to enjoy making memories now that you and your kids will remember for the rest of your lives. While at the same time ensuring you’re working towards homeownership, protecting your family and ensuring an enjoyable retirement is within reach.

By having a clear long term financial plan in place you can get the balance right between enjoying the now and saving for the future.

When we create your financial plan, we aren’t focused on what products you need. Instead, we focus on what your long term goals are and what you want your life to look like.

We’ll explore how much you need for a comfortable retirement, as well as what the education needs are for your children, what holidays you’d like to plan as well as any home upgrades or improvements you want to achieve.

We then work together to develop an action plan for your money and build smart financial strategies to give you the confidence knowing you’re on the right path.

How long term financial planning can help

At this stage of your life, you’re starting to achieve a comfortable lifestyle with a decent income. So your focus turns to thinking about managing your long-term future. It’s common for your financial planner to help with:

The common areas of focus when looking to grow your wealth include:

protecting your lifestyle

healthcare

investments

financing home renovations

educating children

tax management

debt management

inheritance

retirement planning

income protection

We’re by your side to bring you the right financial advice to build your wealth

Initially, you’ll meet one of our financial advisers and we’ll work through our proven financial planning process. Through this process you’ll:

Gain a clear understanding of your current position and any current roadblocks

Discuss your financial and lifestyle goals

Work through the range of financial options and strategies available to you to help you achieve your goals

This may lead to a financial plan which would include the following:

Ensuring superannuation strategies are maximised

Maximising your super contributions, and considering whether to set-up an SMSF, whilst factoring in a realistic transition to retirement pension.

Protecting your family

No matter how much planning we do, the unexpected can occur. We’ll work with you to ensure you have adequate insurance protection to keep your family and assets safe.

Getting your tax under control

Potentially prepaying any interest while maximising the advantage of super deductions and other strategies.

Develop a clear wealth focus as you approach retirement

We’ll help you make the most of superannuation strategies as well as leveraging property and share investments.

Book your Free Consultation Today!

Simply fill in the following form and one of our friendly advisers will contact you to arrange a convenient time to meet.