Financial Planning is about much more than retirement
Many people may think financial planning is all about retirement. It’s not. Financial planning is about making the most of what you have – at every stage in life. Whether it’s investing, superannuation or minimising tax; whatever your stage in life, financial planning can make a difference.
If you are interested in investing, there are several things you need to consider. For example, how long do you have to invest and how comfortable are you with fluctuations in the value of your investments? We can help you determine your time horizon and risk profile and then recommend the most suitable type of investments to help you realise your goals.
What about your super? Is it working as hard as you are? Your risk profile can also be applied to your superannuation investments. It’s a long-term investment, but it’s important to make sure it’s invested in the right way.
Limits to the amount of super you can contribute each year ($25,000 in concessional contributions for people under 60 and $35,000 for those aged 60 and over) means the earlier you start, the better. Contributing more to super will not only boost your super balance, it could even reduce the amount of tax you pay!
Everybody’s different – different needs, different goals and different circumstances, however, professional financial advice can help you at every stage of your life.
We can provide guidance on:
- Investments, shares, gearing and insurance
- Tax-effective superannuation strategies
- Centrelink and aged care strategies
- Estate planning strategies, and
- Portfolio administration.
To start planning for a successful financial future, call us today to make an appointment.
Source I IOOF
