Gippsland Wealth Management

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A Financial Adviser can do many things for you and your loved ones and give you peace of mind and

a strong sense of confidence in your future so that you can get on with enjoying life and also prepare for various stages of life.

The benefits include:

•  A clear path for achieving your goals
• Uncover hidden financial opportunities
• Financial security and peace of mind
• Improved financial literacy and knowledge
• Greater control over decision-making

Generally speaking, a financial adviser will:

• Review your overall financial situation
• Learn about and highlight what matters most to you
• Identify your short, medium and long-term goals
• Tailor a financial plan for your unique needs

Couples and Families:

• This is a wealth-building phase and might involve being married, having children, buying a house and building security for the future.

A financial adviser can help:

• reduce and manage debt
• create and adjust your investment portfolio whilst carefully managing investment risk
• work out how much you can afford to spend on your first or next home and devise how to pay off your mortgage faster organise and maximise your superannuation
• identify the right insurance options for your needs to protect your loved ones
• secure your family’s future

Pre-retirees:

• This is a wealth maximisation phase and might involve preparing for retirement, financial security being the primary concern, having lower debt, fewer family commitments and focusing on investment growth.

A financial adviser can help:

• create a better work-life balance
• make a smooth transition to retirement, how and when you choose to do so
• reduce and manage debt
• build or strengthen your investment portfolio
• manage investment risk
• protect your lifestyle and loved ones
• maximise your superannuation

Retirees:

• This is a wealth managing phase, an exciting stage that involves living your desired lifestyle whilst maintaining financial security.  What this looks like is different for each person.

A financial adviser can help:

• fund your retirement lifestyle, which could involve more time with family and friends, travelling, discovering new pursuits
• create and adjust your investment portfolio whilst carefully managing investment risk
• devise the best way to access your super
• downsize or sell your family home and manage the proceeds
• navigate Centrelink and implement benefit maximisation techniques
• pay for additional medical expenses
• review your insurance needs, making sure you are not paying for anything you no longer need
• fulfil any philanthropic interests
• create a strong estate plan
• manage the passing of a loved one
• when the time comes, navigate your aged care options to find a solution you’re most comfortable with