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Getting expert advice

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It’s good to be involved in your financial future. It’s also wise to get help from a good Financial Adviser when planning for retirement.

Why you might need a financial adviser

Regardless of your education background or your past money experience, it can pay to get expert advice from a qualified financial adviser – as Alistair discovered

Case Study -  Retirement planning

Alistair prided himself on being self-sufficient. He did his own car maintenance, built the third bedroom, and did his own tax returns. His wife Erica, however, insisted he get expert advice about their retirement plan. He was later glad that he did seek advice because he found he’d overlooked some tax legislation that would have had a major impact on their lifestyle in retirement. The lesson? Financial planning is a specialist field – to make the most of your super, savings and investments, you need to consult an expert.

What a financial adviser can do for you

A good financial adviser has the training, experience and qualifications to look at your situation and prepare a plan that will give you the best chance for a comfortable retirement. They can help you answer a host of questions including:

  • How much money do I need to support my retirement?
  • How much money do I need to save by the time I’m 65?
  • Am I on track to reach this target?
  • Where should I invest my money to boost my retirement savings?
  • Should I be looking at salary sacrificing?
  • How can I minimise my tax?
  • How much life insurance do I need?
  • How can I prepare my will to maximise the benefits to my family?

When they’ve prepared and agreed the plan with you, it’s your financial adviser’s job to implement that plan and help you stay on track to meet your retirement goals.

The importance of unbiased financial advice

Our Financial Planners are fully qualified and highly experienced. They are committed to helping you achieve more with your money. What’s more, while most companies are paid a commission for the financial products they recommend, Money Solutions does not take commissions. We are paid for the services we provide, only. When we make a recommendation, you can feel confident that it’s because we believe it will improve your financial position, not ours.

How to make the most of your financial adviser

Things you can do to help make the most of your experience with your financial adviser, include:

Agenda – Put together a list of your most important financial concerns.

Your goals – It’s impossible to create a plan without goals yet this is the area where most people struggle. Spend some time creating a vision for your future.
 
Paperwork – Have all your financial statements handy including: superannuation statements, bank statements, share certificates and insurance policies.
 
Communication – Tell your adviser what you expect from your professional relationship – how you want to communicate, how often, and how much you want to be involved.
 
Values – Explain what’s important to you so your adviser can structure your retirement plan.
 
Honesty – If you don’t understand something, tell your Adviser. You’re not expected to understand everything. That’s why you’re here.
 
Certainty – It’s your financial future, so don’t make a decision until you’re sure it’s right for you.


Do you want to speak to a financial adviser?

If you’d like help preparing your retirement plan and you would like to talk to one of our expert financial advisers, call us on 1800 046 144 or email us

Where do you want to go now?

Getting expert financial advice is important but the more you know about money the better. What would you like to learn about now?