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Financial planning building blocks

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Financial planning building blocks

  1. 1. Financial Planning - Building BlocksRetirement(age 55+)- Pre/Post planning- Succession planning- Worry free retirement- Centrelink?Transition to Retirement(age 50+)- Highly tax-effective- Build wealth fastWealth Creation(non-super)(age 30 - 60+)Superannuation(age 30 - 60+)- Emergency fund- Budgeting and cash flow- Shares, property, gearing- TrustsCreate a successful retirement.Tax-effective wealth creation.SELF-MANAGED SUPERLife Insuranceand Estate Planning(age 25+)- Protect your wealth- Replacement of income- Pay-off debts
  2. 2. FINANCIAL PLANNINGWhat’sImportant ToYou?StrategyEmotions andbehaviourRisk TolerancePortfolioManagementTaxes andother costs
  3. 3. FINANCIAL PLANNINGHUMAN SIDE OF FINANCIAL PLANNING LOGIC SIDE OF FINANCIAL PLANNINGWhat’s important to you- What are your goals (financial and lifestyle)?- What are your values?- What do you want to achieve?- What is your timeframe?Strategy- How should you optimally use your financial resources?- How can you take advantage of superannuation rules?- What structures should you use?- What timing should you apply?Emotions / Behaviour- How do you feel about your options?- What is a good and a bad outcome?- How much help do you need to ‘stay the course’?- We become your ‘financial partner’.Investment Selection & Management- What asset class(es) should you invest in?- Strategic asset allocation or Dynamic/Tactical?- Should you invest directly, or indirectly?- Do you need the help of a specialist?- Do you prefer ‘buy & hold’ or more active management?Risk Tolerance / Attitude- What is your experience with risk and uncertainty- What is your capacity for risk?- How much risk do you wish to bear and how much wouldyou like to offset?Taxes and Costs- How can we help you to reduce your taxes?- How can we keep your investment costs low?WHAT WE DOWHAT WE DON’T DO- Short-term market predictions- Speculation / short-term trading- Promises to ‘beat the market’
  4. 4. Financial Planning is a journey, not a destinationYour Goals& ValuesAnalaysePlanImplementReviewWe startHere