Who needs a financial adviser?

Good advice from an experienced, well-informed financial adviser can help people save money, protect against risk, manage debts, grow assets, reduce tax liabilities, plan for retirement, identify entitlements for government benefits, and plan what inheritance is to be left to the next generation.

So make sure your adviser is your first point of contact for any decisions that can impact on your financial future. Regular interaction with your planner can ensure that your financial strategy is always consistent with your goals and changing lifestyle needs.

A financial adviser’s first responsibility is to the client, not to an employer, a product supplier, to him/herself or to anyone except the client. When providing personal financial advice an adviser must take into account the individual client’s circumstances and goals. The advice may or may not involve the recommendation of a financial product. The role of a financial adviser is not to sell financial products.

Financial advisers can help a person at every stage of their life.

Good financial advice from a professional adviser can play a vital role through-out our lives from the time we enter the workforce.

Life Stage	How a financial adviser can help.
Young adulthood	Establishing life goals and strategies to achieve them.
First homebuyers/newlyweds	Developing budgeting skills Devising a savings / borrowing strategy to achieve home ownership
Thirty-something	Developing a savings and investment plan to build long-term wealth Advice on preparing for the cost of raising children Ensuring all assets are adequately protected
Forties and Fifties	Tailored strategies to build a retirement nest egg Building other assets outside the family home and super Protecting against life risk.
Pre-retirement	Asset management and strategies to minimise tax while maximising government entitlements. Recommending investment strategies to maximise capital growth and regular income of retirement assets.
Retirement	Fine-tuning investment strategies throughout retirement. Estate planning. Advice on tapping into non-financial assets like the family home.

Want to know more?

Find a Financial Adviser near you.