Author: Mary Benton

There is no time like the present to start making more of your money. Choosing the right investments at the right time could make all the difference to how much you end up with.

Help to choose well

You’re not alone if you feel overwhelmed by the investments on offer. It can be challenging to know which choice is right for you, and what risks you may face.

We’re here to share our knowledge and experience. We can create a plan to help you achieve financial success.

How we can help

If you’re unsure which steps are the right ones for you to take or when we can help you prioritize your:

• Short-term goals—which may include saving for a holiday in the next six months to two years
• Medium-term goals—you may be thinking about investing in property, or considering starting a second career in the coming two to five years
• Long-term goals—perhaps you’re saving for your retirement or a child’s university education in the next five to ten years.

The key to your long-term financial success lies in how you manage your money day-to-day. Start developing good financial habits today—it pays to make the effort and can help you stay on track to achieve your goals.

Strategies for a positive financial future

Meeting your bills can be easier when you have strategies in place to help reach your goals. Financial advice can help you understand where your money’s going and help give you more confidence and control.

How we can help

We can help you simplify and streamline your finances so you can:

• Keep track of your money
• Understand how your spending and financial commitments fit in with you enjoying life today
• Have an appropriate budget and savings plan in place.

The end of a relationship brings a lot of change and is often a very difficult time. While the challenges are considerable, there is a real opportunity for you to seek professional financial help and work towards a positive future for yourself.

Taking the first steps

The emotional turmoil that separation brings is often accompanied by the unwelcome need to manage any financial issues.

We can help you by working with your lawyer, or accountant or referring you to one. We’ll work with you to develop a way forward and help to address your immediate and longer-term needs.

How we can help

If you’re going through a divorce or anticipating the end of your relationship, we’re here to help you:

• Review the impact of any divorce settlement on your financial situation
• Understand your financial commitments
• Identify any income you may be entitled to
• Develop a new budget and help you stay on track to achieve your goals.

What to do next

Speak with us about how we can help.

Nobody likes to think that things may go wrong but sometimes events beyond our control happen.

What if things change?

Even though you can’t see what tomorrow holds for you and your family, you can do something to protect them today.

A sudden or unexpected event or illness could potentially change your life in many ways. And the last thing any family needs is financial stress during a difficult time.

Protecting your family from the financial adversity an unforeseen event can cause could make a world of difference to them.

How we can help

Being ready could make the difference. We can help give you and your family peace of mind that in the event of your illness, injury, or death, their lifestyle can be maintained.

We can help you determine the appropriate insurance cover – income protection, death, and total and permanent disability (TPD), which may provide a lump sum or ongoing regular payments to your family if the need ever arises.

What to do next

Chat with us today about how we can help.

Making plans to start a family or increase your existing family can be a joy. And on a practical level, expenses can go up while your income drops if you take time off work.

Your financial picture

Usually one or both parents will take some time off work when a new baby arrives. While a reduction in income can present obvious short-term challenges, there can also be impacts on your long-term financial position.

How we can help

We’re here to help you look ahead and be financially prepared for all that comes with growing your family, which could include:

• The costs of raising children—including child care and education costs
• The impact on your household income, and on other goals you have
• How to meet upcoming expenses while setting a path to help your children’s financial future
• The right insurance cover you might need to protect your family, such as income protection, death and total and permanent disability (TPD) insurance — and whether they’ll be appropriate for you and your family.

What to do next

Explore your options with the help of an expert.

Marriage is an exciting milestone and an important time for talking about financial change.

Plan as a couple

Wedding plans can bring many added expenses and the need to make financial decisions as a couple. When you plan ahead together, your financial decisions can be easier for both of you.

How we can help

We can help you manage your financial life together by helping you consider:

• The ways your marriage may affect your financial situation and your short, medium and long term goals
• How you’ll manage money as a couple
• Whether any existing debts will affect either of you
• Any investments you hold and whether changes will be needed
• The need for insurance such as income protection, death and total and permanent disability (TPD) insurance — and whether they’ll be appropriate for both of you.

What to do next

Find out how we can help you enjoy a smooth financial life together.

Perhaps you’d like to buy a new car or save for your first home. You may be yearning for a trip somewhere. Financial advice can help you take practical steps to reach your goals.

Aim to make your dreams real

When it comes to making goals a reality, financial strategies can help you keep your eyes on the prize and stay on track. We can help you plan to meet your financial commitments today while working towards your longer-term goals.

How we can help

We can help you:

• Review and set specific goals
• Work out how much to save for your short, medium and long term goals, and the dates for achieving them
• Identify appropriate financial strategies to help bring your goals into reality

What to do next

Speak with us about how we can help you save for something special.