46+

Everyone's different - of course - but here are some interesting things our clients often experience in their late forties and early fifties:

• paying for weddings
• financial assistance for agining relatives
• adult kids not leaving home
• helping kids get established
• being made redundant
• making a sea change

At some time during these years we start to see the world differently. It may be because we're past the halfway mark. Whatever the reason, at some point retirement appears on the horizon.

It's still a long way off perhaps, but it's no longer an idea - it's real. We also see that we have limited time to get ourselves into a position where we can retire comfortably. Meanwhile, life goes on at a pace that seems to just keep accelerating.

What can we do to help?

We can help you reduce your expenses:

• tax reduction
• budgeting
• debt and cashflow management

We can help you increase your income and assets:

• wealth creation strategies - eg accelerating growth by borrowing to invest
• investment strategies
• salary packaging and remuneration

We can help you maximise your super and get ready to retire in the best shape possible.

Super is more attractive than ever. We can help you make the most of it - by helping you select the right super fund and investment options, salary sacrificing into super, and maybe even setting up your own self-managed super fund.

In addition, we can save you time by creating the strategies, reviewing your financial strategy and ensuring that if your circumstances change, your plan changes with it.

These years are an extremely busy time of life. We don't just advise you on what to do, we also work with you to streamline your finances so it's all a lot less work for you, and a lot less time-consuming.

For more information, or to make an appointment, click here.