Superannuation And Retirement Planning, the Financial Planning
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Financial Planning for 18-29
These are the years of exploration, fun, excitement – think nights out with friends, endless activities, overseas trips and vacations.
But at the same time, think for your future. Putting away just $25 a week makes a huge difference as opposed to putting away $25 on
a credit card. You can create anything when you plan, commit and execute.
You may need to Manage Money
1. Understand your income and expense
2. Understand asset and liabilities
3. Budgeting
4. Life Planning & Goal Setting
5. Know impact of credit card debt
6. debt management
Your Life changes more during this stage
1. Different jobs and pay
2. Education and Skill up
3. Moving out of home
4. Migration
5. Marriage
6. planning family
7. First Home
Know you Super
1. Get the right super
2. Choose the right investment
3. use super to reduce your tax
4. use super to pay for your insurance
5. focus on long term investment goals
How would you invest?
1. Have strategies to achieve your goals
2. Know your options
3. know your risk and return
4. Start investing
5. Your First Property
How can you manage your risk?
1. Know your responsibility
2. structure and tax efficiency
3. know your benefits savings Vs. Insurance
4. Major sickness and illness cover
5. Disability and long term cover
Financial Planning for 30 and 30 +
At this stage, you are likely to have more responsibility – be it a mortgage, marriage or children.
Your career would most likely be at a more advanced stage than in your 20’s, with a higher income and a more senior position.
You need to Manage Money
1. Know your income and expense
2. Know your asset and liabilities
3. Budgeting
4. Life planning & Goal setting
5. Saving per goals - short term/medium term/long term
6. Know impact of credit card debts
7. Debt Management
Your Life Style will change from earlier phase
1. job and pay rise
2. Education and skills
3. Job Change
4. Marriage and Separation, Divorce
5. Child(ren) and their education plan
6. Looking after your parents
What about your Super?
1. Choose the right super
2. Choose right investment portfolio
3. use Super to reduce your tax
4. use Super to pay for your insurance
5. focus on long term returns
What about your investments?
1. create strategies to achieve your goals
2. know your options
3. know investment strategies
4. know the risk and return
5. start investing and review atleast twice a year
6. Your family home and investment properties
How can you manage your risk?
1. Know your responsibility
2. review your insurance needs
3. Understand Saving vs. Insurance
4. Major sickness and illness cover
5. Short term disability
6. Longterm disability and death cover
Financial Planning for 50 and over
Let us say, you are a home owner with less responsibility of young children and a home loan which has been almost paid off. You would be at the peak of your career.
Now is the time to start looking at financial planning retirement options.
Assuming you retire at 65, the life expectancy rate is favorable to assume you will live until the age of 85 to 90. This means living in retirement for at least 20 to 30 years. In order to sustain a lifestyle, you need money coming in from an investment in addition to the government pension.
That’s where superannuation comes in. Super has a good tax structure to take advantage of as you can access your money and receive tax advantages.
The number one thing people worry about when they retire is income, so you need to look at methods of supplementing cash flow by investing, aside from super and your pension.
What makes your Money Management?
1. Know your retirement income and expenses
2. Plan your retired lifestyle
3. Reduce liabilities and debt management
4. Save more for retirement
5. Ready to face unexpected
What could be the life style change?
1. Job security and redundancy/retirement
2. Downsizing
3. Looking after your parents
4. Separation, Divorce
5. Kids and their inheritance
6. estateplanning
What about your super/pension?
1. Grow your money on tax free environment
2. access your super
3. start your pension
4. focus on income and longterm growth
5. know age pension
What about your risk?
1. Review your insurance
2. Have back up plan
3. know your responsibility and risk
4. Major sickness and illness cover
5. Temporary disability
6. Permanent disability and death
We are Authorised Representative 1256812 of La Verne Capital Pty Ltd AFSL 482937
These are the years of exploration, fun, excitement – think nights out with friends, endless activities, overseas trips and vacations.
But at the same time, think for your future. Putting away just $25 a week makes a huge difference as opposed to putting away $25 on
a credit card. You can create anything when you plan, commit and execute.
You may need to Manage Money
1. Understand your income and expense
2. Understand asset and liabilities
3. Budgeting
4. Life Planning & Goal Setting
5. Know impact of credit card debt
6. debt management
Your Life changes more during this stage
1. Different jobs and pay
2. Education and Skill up
3. Moving out of home
4. Migration
5. Marriage
6. planning family
7. First Home
Know you Super
1. Get the right super
2. Choose the right investment
3. use super to reduce your tax
4. use super to pay for your insurance
5. focus on long term investment goals
How would you invest?
1. Have strategies to achieve your goals
2. Know your options
3. know your risk and return
4. Start investing
5. Your First Property
How can you manage your risk?
1. Know your responsibility
2. structure and tax efficiency
3. know your benefits savings Vs. Insurance
4. Major sickness and illness cover
5. Disability and long term cover
Financial Planning for 30 and 30 +
At this stage, you are likely to have more responsibility – be it a mortgage, marriage or children.
Your career would most likely be at a more advanced stage than in your 20’s, with a higher income and a more senior position.
You need to Manage Money
1. Know your income and expense
2. Know your asset and liabilities
3. Budgeting
4. Life planning & Goal setting
5. Saving per goals - short term/medium term/long term
6. Know impact of credit card debts
7. Debt Management
Your Life Style will change from earlier phase
1. job and pay rise
2. Education and skills
3. Job Change
4. Marriage and Separation, Divorce
5. Child(ren) and their education plan
6. Looking after your parents
What about your Super?
1. Choose the right super
2. Choose right investment portfolio
3. use Super to reduce your tax
4. use Super to pay for your insurance
5. focus on long term returns
What about your investments?
1. create strategies to achieve your goals
2. know your options
3. know investment strategies
4. know the risk and return
5. start investing and review atleast twice a year
6. Your family home and investment properties
How can you manage your risk?
1. Know your responsibility
2. review your insurance needs
3. Understand Saving vs. Insurance
4. Major sickness and illness cover
5. Short term disability
6. Longterm disability and death cover
Financial Planning for 50 and over
Let us say, you are a home owner with less responsibility of young children and a home loan which has been almost paid off. You would be at the peak of your career.
Now is the time to start looking at financial planning retirement options.
Assuming you retire at 65, the life expectancy rate is favorable to assume you will live until the age of 85 to 90. This means living in retirement for at least 20 to 30 years. In order to sustain a lifestyle, you need money coming in from an investment in addition to the government pension.
That’s where superannuation comes in. Super has a good tax structure to take advantage of as you can access your money and receive tax advantages.
The number one thing people worry about when they retire is income, so you need to look at methods of supplementing cash flow by investing, aside from super and your pension.
What makes your Money Management?
1. Know your retirement income and expenses
2. Plan your retired lifestyle
3. Reduce liabilities and debt management
4. Save more for retirement
5. Ready to face unexpected
What could be the life style change?
1. Job security and redundancy/retirement
2. Downsizing
3. Looking after your parents
4. Separation, Divorce
5. Kids and their inheritance
6. estateplanning
What about your super/pension?
1. Grow your money on tax free environment
2. access your super
3. start your pension
4. focus on income and longterm growth
5. know age pension
What about your risk?
1. Review your insurance
2. Have back up plan
3. know your responsibility and risk
4. Major sickness and illness cover
5. Temporary disability
6. Permanent disability and death
We are Authorised Representative 1256812 of La Verne Capital Pty Ltd AFSL 482937