Financial Advisers & Planners

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Financial planners / financial advisers try to ensure the appropriate management of your finances to meet your life goals. This could be achieved by adopting a strategy to maximize government benefits, minimize tax, increase your employment package, buy that property, go overseas, or even save for the longest holiday of all – retirement. Traditionally, practitioners have come from various professions, but mainly from insurance, banking, and accountancy.
 

Your Protection ....
The financial advice industry is becoming more and more complex and is heavily regulated by government to help ensure the maximum protection for the public in any financial dealing. The Australian Securities and Investment Commission (ASIC) has the task of ensuring the compliance by any company or individual operating in that industry who provide general or personal financial advice. They must be licensed or be an authorized representative of a Licensee to practice.
 

Managing Life Goals
Different financial products may be required to manage your life goals. For example, you may wish to supplement your employer funded super, protect the family from unforeseen life risk, ensure enough cash is available for higher education, or save for a house deposit. Once your personal goals and circumstances have been thoroughly established, a strategy to be adopted may include the use of financial services products. Managed funds or direct shares and gearing may be used to save for the future, while life and trauma insurance, as well as income protection may be recommended to protect against life risks, and salary sacrifice may be utilized to increase potential superannuation benefits.


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Who is a financial planner?
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Why use a financial planner!

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