Even if you have left retirement planning until later in life, there is always something you can do to get your money under control.

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The earlier you start understanding, planning and managing your money the better!

Even if you have left retirement planning until later in life, there is always something you can do to get your money under control. Here’s how we can help you with your money management through the ages.

20s and 30s

The decisions you make in your 20s and 30s can have a substantial impact on your future, so it pays to get into good habits early on. Having a game plan with some clear goals can help you build wealth, manage debt and get into a good position.

Our financial planners can explain the many strategies open to you when you have time on your side. These strategies focus on:
► Budgeting and saving
► Good and bad debt
► Investing
► Superannuation
► Tax effectiveness
► Insurance to protect yourself and any dependants

30s and 40s

As you reach your 30s and 40s, you really start hitting your stride. You get more comfortable with yourself, settle into your career or lifestyle choice, and start focusing more on the longer-term future.

It’s also a time of transformation and your priorities and financial responsibilities may start to change. You may already have started a family, or are considering starting one, and you're interested in ways you can pay off your mortgage early.

Some of the strategies available that are suited to this lifestage are:
► Long-term investing and wealth creation strategies
► Superannuation
► Tax effectiveness

50s and 60s

Your children may have already flown the nest so it’s likely that you'll have more time to focus on you and your own plans for the future.

Retirement is just around the corner and there are many things to consider. Retirement takes planning. Yes, financial planning is essential to have the kind of retirement you want, but you should also prepare for the additional time and change of pace that life after work can bring.

It may seem idyllic to have all day, every day, to do as you please, but the reality can be quite different if you’re not prepared.

The amount you’ll need to save for your retirement will depend on the type of lifestyle you plan to lead; one approach does not necessarily work for everyone.

Strategies can relate to one or all of the following areas:
► Superannuation
► Investments
► Transition to retirement pensions
► Insurance
► Estate planning
► Tax effectiveness

70s and beyond…

You’ve worked hard all your life to create the lifestyle you want for you and your family, and now is the time to relax and enjoy the fruits of your labour.

Of course, there are still important financial decisions to consider, and a little bit of careful planning is required to ensure you have enough income to enjoy a long and happy retirement.

Financial planning doesn’t and shouldn’t end when you finish work. In fact, these days, there are ever more opportunities available to improve your lifestyle and reach your goals in retirement and beyond.

We can help you navigate retirement by creating a plan that includes:
► Retirement income
► Social security
► Budgeting
► Aged care
► Estate planning

Make an appointment with one of our team today.