Financial Planning Life Stages

Getting Started - 20's and 30's 

Building wealth during this stage is an extremely important time and obtaining financial advice is critical to set you on the path for success. Important areas to consider and manage include:

  • Cash flow and debt management

  • Career planning

  • Buying your first home

  • Family commitments 

  • Superannuation

  • Investment portfolio

  • Lifestyle protection

  • Travel

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Smiling Mature Woman with Gray Hair

Mid Life - 40's and 50's

Possibly the most critical time to prepare for and lay the foundation of what will be a quality retirement. This period of life generally covers the important areas of:

  • Building personal wealth and focus on debt reduction

  • Strategies to increase superannuation wealth

  • Cash flow management and efficient taxation planning

  • Meeting lifestyle goals

  • Children’s education

  • Inheritance management

  • Caring for aged parents (Centrelink and Aged Care advice essential)

Pre Retirement - 50's and 60's

It is necessary to meet with a financial adviser at this stage to discuss your retirement income requirements and implement strategies designed to assist you achieve your goals and objectives.  Important areas to obtain financial assistance includes:

  • Retirement planning

  • Redundancy 

  • Clearing debts

  • Building personal wealth 

  • Superannuation becomes pivotal throughout this stage

  • Putting in place the right structure to tax effectively manage wealth

  • Inheritance management

  • Assisting children (weddings, grandchildren)

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Holding Hands

Retirement - Age 60+

At this stage the hard work and planning throughout the course of your working life should now leave you well placed to enjoy a quality retirement.  Areas you should seek advice from a financial adviser include:

  • Managing and protecting wealth

  • Income streams in retirement from superannuation and personal investments

  • Centrelink strategies

  • Healthcare

  • Relocating/downsizing

  • Considering the need for aged care

Aged Care

Aged care can be a complex and confusing time and we provide advice and assistance with helping you understand the following:

  • In home aged care services

  • Residential aged care options

  • Accommodation bond options

  • Centrelink strategies

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Information provided on this website is general in nature and does not constitute financial advice. Helm Private Wealth Pty Ltd will endeavour to update the website as needed. However, information can change without notice and Helm Private Wealth Pty Ltd does not guarantee the accuracy of information on the website, including information provided by third parties, at any particular time. Helm Private Wealth Pty Ltd does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this website. Except insofar as any liability under statute cannot be excluded, Helm Private Wealth Pty Ltd and its employees do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person.