I am in my 40s. Do I need financial advice?

by Paul Pulgerino Financial Planner Here are some questions you need to consider.

Parents are getting older
•    Parents need to look at aged care; I don’t know where to start?
•    I’d like to help talking to my parents about their wills, I’m worried the arrangements they have in place aren’t optimal!
•    It’s likely I’m going to inherit a serious amount, I’d like to plan now how that will work!

Giving Back
•    I’d like to find a charity to support.
•    I’m interested in setting up a charitable trust (private ancillary fund).
•    I’m interested in investing in social enterprise.

Budgeting
•    Can’t get on top of credit card debt – help!
•    Don’t know how we are going to save enough money for a house deposit.
•    I earn good money but don’t seem to have much to show for it.
•    I earn good money by somehow can’t get ahead.
•    I want to travel more and need help budgeting so I can afford it.

Property
•    Can we afford to renovate our house?
•    Should we renovate or sell our house?
•    We would like to buy a holiday house, and need to help organising finances.
•    We have an investment property; maybe we should have a share portfolio too?
•    We have a couple of investment properties, and need to sell one but not sure which.
•    We want to downsize but we are worried that the cash will affect our aged pension .payments.

Career
•    I hate my job but I’m not sure I’ll be able to get another one. How long until I can retire?
•    I want to take my career break but not sure I can afford it.
•    I want to take time off to go back to study, but not sure I can afford it.
•    I plan to retire soon am I going to have enough money?
•    I would like to partially retire, but I’m not sure I can afford to.
•    When can I retire?
•    I’ve been offered a great job, but I will have to take a pay cut (at least for a while). Can I afford to take
the job?
•    We are looking at a move overseas for work; need to get our finances in order.
•    When will I have enough income from my investments that I don’t have to work?
•    Can I retire early and still have enough money to live on?

Investing
•    I have received an inheritance/ windfall and need help working out what to do with it.
•    I want to start a self-managed super fund.
•    I’d like a share portfolio but don’t know where to start.
•    We have a self-managed super fund but are looking at moving overseas. Need help deciding what to do.
•    I’ve been given some shares, and don’t quite know what to do with them.

Protecting what we’ve got
•    I seem to pay an awful lot for insurance; can you review what I’ve got?
•    I have a will but I think it might need updating.
•    Now that we have a family, we need to get our wills in order.
•    I’ve recently separated, need to redo wills, super and everything else.

In addition, here are some other areas certified financial advisor and financial planners may be able to help you with:

Goals, values and desires: We empower you to understand and express what you want out of life, visualising and documenting goals, values and desires putting a level of importance and urgency around them – critically- aligning these to your budget.

Debt plan: We coach you through how much your debt is costing you, the differences between good and bad debt, implement a better debt plan to secure financial freedom and reduce financial burden quicker.
Personal Family Protection Plan: We’ve walked a mile in your shoes. Kids, debt, education, the challenges of getting ahead. Making sure you have a sound family protection plan ensures your income, lifestyle and family are number one and your dreams never waiver.

Super is super: “Superannuation” is an ugly word. But super is super! Do you have any idea how it’s being invested? We dispel the myths and help you understand how you can fund your retirement.

Get a bloody will… Got a house? Got kids? Get a bloody will. Sounds simple – but if you have young kids, and family overseas or interstate – you need to consider who will be their guardians if anything happens.

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Created on Dec 5th 2018 01:35. Viewed 821 times.

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