Whether you are starting your first job, buying your first home, starting a family or saving for something special, we want to help give you the best start to your financial journey.
How we can help:
- Set-up a budget to manage your cashflow.
- Review your insurance arrangements and provide recommendations for your growing family.
- Identify lending options to buy or renovate your home.
- Identify investment strategies to help you save for long term goals like your childrens’ education.
- Make recommendations about your super arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions.
- Recommend if you need to create a Will and an estate plan.
Life’s really busy now and although retirement is still quite a way off, you want to know that your financial future is structured and sustainable long-term. This is a time when we can help you build on your financial foundations.
How we can help:
- Set-up a budget to manage your cashflow.
- Review your insurance arrangements and provide recommendations.
- Identify investment strategies to help you build a passive income and save for the long term.
- Make recommendations about your super arrangements including personal contributions, salary sacrifice, co-contributions and spouse contributions.
- Advise on strategies to reduce tax
- Recommend if you need to create a Will and an estate plan.
- Succession planning recommendations for your business.
- Dealing with a redundancy.
Retirement is on the horizon and you are dreaming about all the wonderful things you are going to see and do in your life after work. Putting the right plans in place while you are still working will give you the comfort of knowing that your future is under control.
How we can help:
- Identify your retirement goals.
- Review your income and cashflow requirements.
- Assess how much super you have and when you can access it.
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement.
- Determine when you can apply for the age pension.
- Review your estate plan.
- Succession planning recommendations for your business.
- Dealing with a redundancy.
You are enjoying life after work and all the opportunities that this exciting time in your life presents. At this time in your life you want to know you are going to have the finances to support your adventures and perhaps even leave a legacy so you can share your wealth now and in the future.
How we can help:
- Identify how long your money will last by looking at your income and assets and how they are structured.
- Identify if your finances are structured to increase government benefits.
- Look at ways to reduce any tax you pay in retirement.
- Recommend superannuation income stream strategies including annuities and pensions
- Review your estate plan.
- Advise on aged care financial strategies.
Frequently asked Questions
What should I look for in a good financial planner
When choosing a financial planner, one of the most important things to look for is to ensure that they are CFP qualified. This is the highest qualification for Financial Planning worldwide and shows that your financial planner is adequately trained. Next, is to look for experience in the area of investment you’re interested in for example retirement.
Will I have enough money to retire?
This is not a ‘one-size fits all’ answer and depends on your current situation, savings, and what you actually want to live on once retired. The biggest difference when putting together retirement projections comes down to the level of income you would like in retirement, it is crucial that your planner spends time with you to work out exactly what you need for retirement.
How do I reduce my taxes?
There are a range of ways you can reduce your taxes when looking at investment. Options we can look at with you potentially include salary sacrificing, concessional contributions to your superannuation and much more.
How can I manage the cost of insurance?
As you get older the cost of insurance increases each year, a good way of managing your insurance cost is to review what you are insured for to ensure you are not over insured. Sitting down with an insurance professional they can ask questions of what you would like to happen if an insurance event takes place. Then they can research what you are currently insured for to ensure you are not over insured. You can also look at to whether you could hold the insurance inside your super to reduce the amount of money being drawn from your bank accounts.
Why should I have a Financial Plan or Financial Planner?
A helpful analogy that comes to mind is seeing a financial planner similar to GPS navigation. Although you might still get to your destination without using a GPS, it might be a bit more bumpy, take longer than expected and you’re likely to be uninformed about upcoming traffic incidents until it’s too late. Similarly, a financial planner will help you reach your financial goals more smoothly, establish realistic expectations and keep you informed about important market changes.
How much experience do your advisers have?
Our financial planners have extensive long term experience in the industry. Combined we have 46 year’s worth of experience so you can feel at ease that when you make an appointment with us you will be seen by someone who knows the industry, has your best interests in mind, and will be able to provide quality advice.
Our Process
Discovery
We have an initial consultation that allows us to find out about each other. This can be done face-to-face or online.
Gather Data
We collect all the personal and financial information we need from you in a private and confidential document called the Fact Find.
Your Financial Position
We help you identify your current financial position and goals. This is generally done at the same time as the Fact Find.
Financial Plan
We research, strategise and develop a financial plan for you, presented in a written document called the Statement of Advice.
Presentation
We present our recommendations to you, and make sure you understand and agree to the recommendations.
Implementation
We implement the agreed upon recommendations.
Review & Support
We will periodically review your goals, financial situation and needs, and make changes to your financial plan as necessary.
Discover the values that shape the advice we provide and the team behind it.
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If you would like to discuss how one of the financial advisors at Investlink Group can assist you with your wealth creation goals, please book a chat.
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