The Value of Advice

Achieving your goals and the lifestyle you want comes down to getting the right advice that suits you.

And what’s more important than making the best decisions you can for your future, including your future financial wellbeing? Planning ahead lets you make the most of your savings and investments to get you to where you want to be.

A financial adviser can help you make well-informed decisions by providing you with the information and insights you need. Ultimately, wisdom comes from knowing what you don’t know and seeking help. Financial advisers have access to the latest tools and resources and the knowledge and experience to help you get on your way to achieving financial independence.

Wondering about the costs involved? You may be surprised by how affordable a financial adviser really is. And what price would you put on the peace of mind that comes from having a plan in place? In fact, research shows Australians receiving financial advice early can be over $90,000* better off at retirement.

Whatever stage of life you’re in, it’s never too late or too early to plan ahead, but the earlier you do, the better off – and wiser – you’ll be.

We believe that good financial advice is about giving you greater control and helping to design a plan that helps you achieve your goals.

So where to from here?
Call us today to book a first appointment. To get the most out of your meeting with your adviser, bring as much information as you can about your financial situation such as: details of your income, borrowings, savings and term deposits, property, superannuation, life insurance, shares and regular expenses. And don’t worry, all information is kept strictly confidential.

You should also have a really good think about what you want to achieve. Think about your short and long term goals and the kind of lifestyle you want now and in the future.

Consider the things that you would like to talk about and put together a list of questions you need answered. Your financial adviser wants to hear all about it.

They’ll also discuss your views on the general ups and downs of the markets, protecting yourself and your loved ones and other options available to you.

If you’re ready to take the next step, your financial adviser will prepare a comprehensive plan called a ‘Statement of Advice ‘ which outlines the strategies that have been carefully selected and tailored to your personal situation and future goals. A fee may be included at this stage. Once the Statement of Advice is signed, you’ll be well on your way to enjoying a more secure financial future.

Contact us today to discuss how we can help you achieve financial freedom.

*Source: Financial Services Council, KPMG Econtech, 2011.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

VALUE OF
ADVICE

The Value of Advice

Achieving your goals and the lifestyle you want comes down to getting the right advice that suits you.

And what’s more important than making the best decisions you can for your future, including your future financial wellbeing? Planning ahead lets you make the most of your savings and investments to get you to where you want to be.

A financial adviser can help you make well-informed decisions by providing you with the information and insights you need. Ultimately, wisdom comes from knowing what you don’t know and seeking help. Financial advisers have access to the latest tools and resources and the knowledge and experience to help you get on your way to achieving financial independence.

Wondering about the costs involved? You may be surprised by how affordable a financial adviser really is. And what price would you put on the peace of mind that comes from having a plan in place? In fact, research shows Australians receiving financial advice early can be over $90,000* better off at retirement.

Whatever stage of life you’re in, it’s never too late or too early to plan ahead, but the earlier you do, the better off – and wiser – you’ll be.

We believe that good financial advice is about giving you greater control and helping to design a plan that helps you achieve your goals.

So where to from here?
Call us today to book a first appointment. To get the most out of your meeting with your adviser, bring as much information as you can about your financial situation such as: details of your income, borrowings, savings and term deposits, property, superannuation, life insurance, shares and regular expenses. And don’t worry, all information is kept strictly confidential.

You should also have a really good think about what you want to achieve. Think about your short and long term goals and the kind of lifestyle you want now and in the future.

Consider the things that you would like to talk about and put together a list of questions you need answered. Your financial adviser wants to hear all about it.

They’ll also discuss your views on the general ups and downs of the markets, protecting yourself and your loved ones and other options available to you.

If you’re ready to take the next step, your financial adviser will prepare a comprehensive plan called a ‘Statement of Advice ‘ which outlines the strategies that have been carefully selected and tailored to your personal situation and future goals. A fee may be included at this stage. Once the Statement of Advice is signed, you’ll be well on your way to enjoying a more secure financial future.

Contact us today to discuss how we can help you achieve financial freedom.

*Source: Financial Services Council, KPMG Econtech, 2011.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

WHAT WE OFFER

Financial Wisdom advisers can help with a range of tailored strategies for your situation to help you on your pathway to prosperity.

Value of advice

So what does seeing a financial adviser involve and what are the benefits? This video focuses on how financial advice helps add value by defining your financial goals and tracking your progress. It outlines the key steps and what you should expect from your financial adviser.

The Value of Advice

Achieving your goals and the lifestyle you want comes down to getting the right advice that suits you.

And what’s more important than making the best decisions you can for your future, including your future financial wellbeing? Planning ahead lets you make the most of your savings and investments to get you to where you want to be.

A financial adviser can help you make well-informed decisions by providing you with the information and insights you need. Ultimately, wisdom comes from knowing what you don’t know and seeking help. Financial advisers have access to the latest tools and resources and the knowledge and experience to help you get on your way to achieving financial independence.

Wondering about the costs involved? You may be surprised by how affordable a financial adviser really is. And what price would you put on the peace of mind that comes from having a plan in place? In fact, research shows Australians receiving financial advice early can be over $90,000* better off at retirement.

Whatever stage of life you’re in, it’s never too late or too early to plan ahead, but the earlier you do, the better off – and wiser – you’ll be.

We believe that good financial advice is about giving you greater control and helping to design a plan that helps you achieve your goals.

So where to from here?
Call us today to book a first appointment. To get the most out of your meeting with your adviser, bring as much information as you can about your financial situation such as: details of your income, borrowings, savings and term deposits, property, superannuation, life insurance, shares and regular expenses. And don’t worry, all information is kept strictly confidential.

You should also have a really good think about what you want to achieve. Think about your short and long term goals and the kind of lifestyle you want now and in the future.

Consider the things that you would like to talk about and put together a list of questions you need answered. Your financial adviser wants to hear all about it.

They’ll also discuss your views on the general ups and downs of the markets, protecting yourself and your loved ones and other options available to you.

If you’re ready to take the next step, your financial adviser will prepare a comprehensive plan called a ‘Statement of Advice ‘ which outlines the strategies that have been carefully selected and tailored to your personal situation and future goals. A fee may be included at this stage. Once the Statement of Advice is signed, you’ll be well on your way to enjoying a more secure financial future.

Contact us today to discuss how we can help you achieve financial freedom.

*Source: Financial Services Council, KPMG Econtech, 2011.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.


Whatever stage of life you are in, financial advice can help you make better decisions, define your goals and shape your future. Your financial priorities will shift over time so your financial plan needs to be flexible to fit with your changing lifestyle. To see how a financial adviser can help you take control - watch your life stage video.



 

Young professionals

You may be just starting out on a promising career or planning your first major purchase. This video shows that whatever your goals – now may be an ideal time to access quality advice to help you protect your income or create a budding investment portfolio.

Young Professionals

You’re young, determined, doing well in your job. You’re confident and positive and looking to keep things on track...

If you’re wanting to go beyond a day-to-day mind-set with your money, then working with a financial adviser is the next logical step.

At this stage of life, you’re in a great position to build a secure future. Taking advantage of financial advice now will bring you that much closer to having the freedom to travel, buy a car and save for - or even pay off - your first property.

A financial adviser can teach you the benefits of budgeting, investing cleverly, consolidating your super, protecting your income should the unexpected happen and even growing your savings to reach your long term goals. Whatever the case, a financial adviser should be on your side to help you achieve your goals as your life changes over time…

Being young is the perfect time to kick things off and take that wisdom with you in life. Don’t miss out on the opportunities that could come your way by taking control of your financial future now.

To start shaping your future and become financially wise, call us to request an appointment.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

Couples and families

Starting a family or paying off the mortgage can be challenging. This video explores how your financial adviser can help you keep an eye on your investments, choose the right cover for your family and plan for the future by helping you stay on track to reach your goals.

Couples and Families

When’s your big day?

Maybe you’ve got enough saved and you’re finally going to buy that house.

Are you expecting your first child… or your third?

Or maybe you’re a professional wondering what to do next – whether it’s working overseas, investing or taking the next big adventure in your life.

This is when many start taking stock, thinking about their long term future and looking after their loved ones. A bit daunting? It doesn’t have to be…it’s more about getting the advice to help you get to where you want to be. A financial adviser will help you plan by working with you to maximise your savings and investments, and making the most of your super.

Protecting yourself, your family and your assets is another step towards financial peace of mind. Your financial adviser can give you the information you need to choose the right insurance cover – it can go a long way in helping you and your family when you need it most.

Do you dream about the lifestyle you’ll have in retirement? Don’t leave it to chance – make it a reality by working with your financial adviser to better manage and maximise your savings for the future.

And we all know circumstances can change, so when this happens your financial adviser is there to help adjust your plan in the way that suits your new situation best.

Take charge of your future and become financially wise – call us to request an appointment.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

Preparing to retire

Financial security may be coming into sharp focus as you think more seriously about ‘life after work’. This video highlights how your financial adviser can provide the confidence you need to make informed and timely decisions, to help maximise your hard-earned savings.

Pre-Retirees

Can you hear that?

It’s quiet.

The kids have moved out. Maybe it’s time to move into that dream home or even buy that investment property.

Now is the time to sit back, relax a little and focus on you again – think about your plans for the future.

The years leading up to retirement can give you a lot to think – and dream – about. Whether you’re looking to make big changes or simply create a better work/life balance, make sure you don’t miss out on opportunities available to you – talking to a financial adviser can help you realise financial independence.

They can help you increase your savings for retirement and give you details about more options available, and when you retire, an adviser can help you to protect your wealth and put in place the right income options throughout your retirement.

It should be all about balance and control, and your financial adviser is your guide as you work to maximise your super and investments, and minimise any debt you may have.

If you’re looking to protect your loved ones and assets, your financial adviser can help you choose the insurance cover that’s best for you. And importantly, they can work with you to adjust your plan in case life brings the unexpected.

It’s about becoming financially wise ahead of retirement, and a financial adviser can give you the information and confidence to help you make smart decisions to realise your dream lifestyle.

If you want to take control of your financial future, call us to request an appointment.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

Retirees

Now is the time to relax and enjoy your well-earned retirement. This video outlines how your financial adviser can help guide you through your options to maintain your lifestyle, optimise your super and investments plus access any social security entitlements.

Retirees

You’re older, you’re wiser and ready to enjoy life’s adventures now that you are no longer working.

It can be an exciting time in life but you may also be wondering how to fund that overseas holiday or be prepared for any unexpected health concerns now that your main source of income is your investment and super portfolio.

Talking to a financial adviser can help you prepare for the years ahead by protecting and maximising your hard-earned savings, and providing you with opportunities to help see you through your retirement.

Income, super, investments, pensions and annuities… so many options and so many possible outcomes. Your financial adviser can help you understand how these impact you, and working with you they can then put strategies in place to help you make the most of your retirement years.

Your financial adviser can also help you with how you can best support your family financially. And if aged care is a consideration for your loved ones or yourself, they can help you prepare for that too.

They will also help you plan for the brighter things in life like travel, the retirement sea or tree change you’ve always wanted and spoiling your grand or even great-grand-children.

It’s never too late to take charge of your financial future. Call us today to request an appointment.

Important information

This has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, (Financial Wisdom) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial Wisdom.

Information in this video is based on regulatory requirements and laws, which may be subject to change. While care has been taken in the preparation of this document, no liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss arising from reliance on this document.

This video may contain general advice. It does not take account of your individual objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision.

SUPERANNUATION

Starting to build your super early can make all the difference when you retire. Australians are living longer than ever before, which means even more time to enjoy your retirement – but how will you pay for it? Your Financial Wisdom adviser will do more than answer your questions – they’ll help you plan for a secure and comfortable future.


INVESTMENT

Growing your assets means understanding different asset classes. We’ll help you calibrate the right mix of defensive and growth investments and above all, manage your investment risk. The first step in creating an investment portfolio is identifying what you want to achieve, your risk profile and understanding the different types of investments available to you.

Your Financial Wisdom adviser will help you navigate the many investment choices and asset classes and choose the mix that suits you.


INSURANCE

Protecting yourself, your family and your assets is vital to financial peace of mind. If the unexpected happens, holding the right personal risk cover can go a long way to helping you and your family meet basic living expenses such as your mortgage, groceries, transport and school fees.

Your Financial Wisdom adviser can help you decode the various insurance policies and considerations such as policy ownership to find the appropriate mix of cover to suit your needs.

RETIREMENT

The transition to retirement is one of life’s great rites of passage. Understanding how much you’ll need to live the lifestyle you desire is just the start.

Together with your Financial Wisdom adviser you can create strategies that allow you to gradually ease into retirement without compromising how you live. Or we can help boost your super and give you more options the closer you get. And when you retire, we can help you to protect your wealth and provide you with income throughout your retirement.

CONTACT AN ADVISER

If you want to take charge of your financial future, contact one of our advisers today.