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Financial goal setting
 The financial planning process helps you assess your financial position and identify your personal and financial goals. Clearly setting out your goals puts you in a position to make better choices about how to achieve them.
Your adviser can help you set and reach your financial goals. Whether you are planning for retirement, a trip to Europe, your children’s education or for a deposit on your future home, your adviser can help you plan to reach these goals.
Build your wealth
Whether you need money to fund your children’s education, take a career break, or achieve something that gives you a better lifestyle, your adviser can build a wealth-creation strategy that enables you to meet your day-to-day living expenses, manage your debt and is tax effective, so you can achieve your goals. An adviser can help you borrow to invest, accelerate your savings and make the most of your superannuation.
Protecting your wealth
 Your world can dramatically change through unexpected illness or injury. An adviser can help you establish measures to protect your wealth and design a tailored solution to suit your needs. With a financial safety net in place you can be better prepared to support yourself and those depending on you, should something unexpected happen.
Make debt work for you
Your adviser can help you deal with debt so you get the greatest return. Strategies that may be recommended can include debt consolidation, increased frequency for your mortgage payments or even borrowing to fund additional investments. Your adviser will assess these options in conjunction with your goals and the level of risk you are comfortable with.
Address your changing family circumstances
 As your family circumstances change your adviser can recommend appropriate adjustments to your financial plan. Events that may require a reassessment of your finances can include:
- the arrival of a new family member
- education expenses
- children leaving the family home
- provision of aged care for elderly parents
- illness or injury.
Have the money you need for retirement
Your adviser can help you determine the level of savings you need for retirement and provide guidance on those strategies that will deliver the income you need. Your adviser can give you advice on super strategies, government pensions, options around employment and how these choices can affect benefits.
Facing redundancy
 If you are faced with redundancy your adviser can help you make critical decisions so you maintain your financial security during this change. Your adviser can help you invest your payout to ensure it delivers long term benefits in a tax effective manner. They will also be able to identify whether you are eligible for government benefits and advise you on how to manage your superannuation.
Knowing your finances are taken care of will leave you free to concentrate on planning your next career move.
Tax benefits
In developing your financial plan, your adviser will also look at tax strategies to help you get the most from your investments. As a result your adviser may recommend strategies such as income splitting, salary sacrificing to superannuation or tax effective investments.
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