Financial advice from an expert can support you through every stage of life, providing clarity and confidence as you navigate milestones. From the early days of building your career and managing your first pay cheque to those big life decisions like marriage, starting a family, or purchasing a home, expert financial guidance helps you make informed choices.
As you progress, financial advice becomes invaluable in planning for retirement, ensuring your investments align with your long-term goals and preparing for any unexpected challenges. So, whether you're focused on securing your family's future, managing life's transitions, or crafting a meaningful legacy, professional financial advice offers tailored strategies to help you achieve stability and peace of mind throughout your journey.
Optimising career and development
Whether you're celebrating a new job or running your own business, understanding the financial intricacies involved is crucial to help pay off all your hard work.
How a financial adviser can help: cashflow, budgeting, debt reduction, superannuation, business structuring, company trust, income protection, debt/asset protection, tax management, share scheme and more.
Employment
Landing a job is a great feeling at any age, even if it's your child's or grandchild's job. In the excitement, it's important to evaluate the employment contract as it relates to superannuation, taxation and banking. Financial advice can help you to also focus on goals and budgets so that long-term benefits are realised from all the hard work.
Promotion
A financial adviser can work with you to optimise gains with an eye to achieving a secure retirement. A financial adviser can model the benefits of a range of activities across superannuation, investment, debt reduction, taxation and salary packaging options.
Education
When you or a loved one undertake education, financial planning is essential. It is a long-term commitment that can be sustained in various ways given careful thought. A financial adviser can work with you to consider how shares, funds, savings plans and tax advantages can help secure a chance at a quality education.
Business
Whether you're a multigenerational family business, solo entrepreneur or in the start-up phase, it is essential to separate business and personal finances to provide the widest range of benefits, including tax advantages, access to credit and asset protection. Working with an expert also ensures relevant business structures, trusts and protections are in place to help protect your venture.
Directorship
Being a director of a company can be a rewarding journey. A financial adviser can help you with directorships to structure remuneration, manage liabilities and shield personal assets. The taxation and debt implications will be modelled so that you are ready for all eventualities.
Navigating life's milestones
From tying the knot to welcoming new family members and even facing the challenges of divorce or purchasing a new home, each stage presents unique financial considerations.
How a financial adviser can help: home loans, life insurance, superannuation beneficiaries, wills, property, asset restructuring and more.
Marriage
Financial troubles are a major cause of marital strife, so it's essential to take the opportunity to align your goals and get a shared budget. Whether you're getting married at 30 or 60, a financial adviser can help with services that integrate finances and establish joint insurances.
Children
Becoming a parent or grandparent can be an important financial wake-up call. You can ensure their life is safeguarded through proactive decisions that leave nothing to chance. A financial adviser can advise and manage the process so you can focus on just enjoying their company.
Divorce
It is important to that you are aware of the benefits of sound financial advice during this period, whether it is for yourself or a loved one. A financial adviser can work with you to adjust monthly budgets, find ways to adequately provide for children and respond to legal consequences while continuing to work with your long-term financial goals in mind.
New home
A property portfolio must be seen in the context of a broader investment portfolio. There are many variables across renting, relationship breakdowns, losing employment and more, so it is important to have insightful financial advice.
Securing future confidence
If you're looking forward to the future, your legacy and your retirement, a financial adviser can help explore options and help you face the future with confidence.
How a financial adviser can help: wills, investment plans, shares, asset protection, managed funds, trusts, Centrelink Age Pension, superannuation review, retirement income planning, aged care advice, estate planning and more.
Investment
Successful retirement journeys are often built on sound investments in a diversified portfolio. A financial adviser can help by providing thorough research and non-emotional advice across a range of asset classes. And when the dividends come in, they can help you determine the best way to manage and optimise those gains.
Retirement
The decision to retire on a certain date is only made possible by understanding superannuation levels, lifestyle requirements, yearly budgets and pension income. A financial adviser can work with you to develop a retirement plan to ensure you have enough to retire on.
Aged care
For people approaching retirement, it is important to proactively consider the nature of care options available when you move out of independent living. A financial adviser that can work closely with family members will help to ensure financial matters are kept in order and the plan is kept up to date as levels of care change over time.
Legacy
We all want to leave a mark on this world and for many this happens through philanthropic trusts, funds and gifts. A financial adviser can work with you to bring structure to the process and ensure a positive legacy rather than legal and financial confusion.
How Gallagher can help
Wherever you are on your financial journey, from early career to retirement, we can help you plan for the future and adjust to changes when 'life' happens.
From busy individuals to those with complex business or personal situations, our advisers can help you achieve your financial goals by bridging the gap of where you are today and where you want to be tomorrow. Get in touch today.
