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Financial Independence

If you are aged 45 and over...

By the time you hit your mid-to-late 40s, you should be pretty well established. Your career has usually settled, your debt levels should have decreased, and you could be at the peak of career earnings. If you have children, they are likely to be less dependent and may have left home. You might want to help fund your children's further education or help them purchase a car or their own place. Health and lifestyle issues emerge as children begin to leave the nest, or as aged parents need care, and inheritances are likely.

Your priorities will be concentrating more on your health and lifestyle and looking ahead so that you can retire comfortably in the next 10 to 20 years, so planning to meet your needs in retirement is crucial.

As part of your overall financial plan, you must make sure you understand any tax concessions or financial strategies that may be available for boosting your retirement savings and pay attention to the mix of assets selected for your investment strategy.

The key facts you need to know about your Super and Investments are:

  • What is your investment strategy? (How do you know what is the right investment strategy for you?)
  • Which investments are most suitable to your individual circumstances?
  • How can you reduce the overall tax you pay?
  • How much money will you need to retire? (What type of lifestyle do you want during retirement?)
  • What steps should you take to maximise your Centrelink entitlements?

Hopefully by now you've made sure you are protected with enough Term Life, Total & Permanent Disability, Trauma and Income Protection cover. This can give you peace of mind that you and your family would be provided for if something unexpected were to happen to you.

It is still important, however, to stay actively interested in your insurance. As your life situation changes, reviewing your cover is critical. For example, you might need a policy that covers other conditions, or you might find the level of insurance you have no longer suits your needs.

The key facts you need to know about Life Insurance are:

  • What type of cover do you need?

  • How much cover is the right amount?

  • Which policies provide features most important to you?

  • How do you ensure that you will always have the right amount of cover?

With thousands of products on the market, all with different features, its difficult to know where to start. Your PlanSmart Adviser will look after all the hard work and help you understand and manage your Super, Insurance and Investment needs every step of the way. We will commit to putting the right strategy in place to secure your future.

Contact us to help ensure your financial independence!

 

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PlanSmart Pty Ltd (ABN 15 142 298 208) Authorised Representative (No. 345551) of
Synchronised Business Services Pty Ltd T/as Synchron ABN 33 007 207 650
Australian Financial Services License No. 243313

Disclaimer: The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, PlanSmart Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should seek advice or satisfy themselves independently of the appropriateness of such action.