What is Financial Planning?

To put it simply, Financial Planning is about developing strategies to assist you in managing your financial affairs, and meeting your lifestyle goals and objectives.

In ensuring you remain on track to achieving your goals and objectives, it is imperative your financial plan is reviewed regularly. This is because there are countless legislative and legal changes which could have an impact on your personal circumstances; not to mention the changes that occur organically in your life.

The process involves:

  • Defining the scope of engagement;

  • Identifying your goals;

  • Assessing your current financial situation;

  • Developing and preparing your financial plan;

  • Implementing the recommendations; and

  • Reviewing and monitoring your plan.


The benefits of Financial Planning:

Financial Planning provides direction and meaning to your financial decisions, especially in relation to Cash flow and Debt Management, Superannuation and Retirement Planning. It allows you to understand how each decision you make affects other areas of your financial position.


How can a financial adviser help you?

A Financial Adviser can offer advice and assistance across various financial planning areas, such as:

  • Cash Flow & Debt Management

  • Superannuation (including SMSFs) & Retirement Planning

  • Salary Sacrifice, Retrenchment and Redundancy

  • Personal Insurances - Life, TPD, Income Protection, and Critical Illness

  • Direct Share Market & Property Investment

  • Estate Planning - Wills, Enduring Powers of Attorney, Enduring Guardianships

  • Centrelink Planning & Aged Care Strategies


Financial Planning can help you with:

  • Creating realistic financial and personal goals;

  • Assessing your current financial health;

  • Developing an accurate, comprehensive and achievable plan;

  • Putting your plan into action and monitoring its progress; and

  • Staying on track despite changes that may occur throughout your life.


It’s never too early to start thinking about your financial future. A proactive and focused approach helps to create a stable foundation for the years to come.

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