You have a steady or growing income.  You may also have a growing family to consider when making financial plans.  How do you protect your dependents if something happens to you?  Supporting dependent children can be costly!  The growing family may demand a bigger car, bigger house plus there are growing child care and education expenses!  So while your income is increasing so are your expenses – this can be challenging.  You may also want to start building wealth and investing a little for the future during this life stage.

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Things you may like to achieve or consider at this stage of your life include:

• Reviewing your budget

• Creating a savings plan for your children’s education, a new car or another “big ticket” item

• Borrowing wisely (for a larger home or new car)

• Managing your debt

• Finding a lower cost home loan for your current mortgage, or buying a larger home

• Purchasing an investment property

• Building or increasing your investment portfolio

• Protecting your income if you are sick or unable to work

• Ensuring you have adequate life insurance to protect your family

• Creating an estate plan

• Reviewing or consolidate your superannuation or setting up a self managed super fund

 

We can help to:

• Review your goals and helping formulate a plan to achieve your goals at this stage of your life

• Review your debt

• Find a low cost mortgage

• Make investment recommendations

• Review your circumstances to ensure you have adequate insurance to protect your family and lifestyle

• Review your superannuation

• Make recommendations around estate planning (do you have a will, who are the beneficiaries?)

• Ensure you have the right levels of insurance cover at the lowest prices

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