The In-Between Years
Financial planning for couples and families.
Your thirties and forties are exciting years of career building, raising a family, educating children and paying off a home.
There are many demands on your income. Your home is likely to be your primary investment and most important asset, so getting it paid off quickly is possibly the best financial step you can take for your future.
This is also the busiest time of your life, and one where it is easy for your financial planning and wealth creation goals to slip through the cracks with so many competing priorities. Whether you already have a financial plan in place or you are thinking about this for the first time, as a Count Financial advisor we can help you budget and make the most of this important stage in your life for a safer and more secure financial future.
Take a look at this short light-hearted video for some great insights and advice as to how strategies now can make a big difference later on.
The five essential building blocks of wealth creation
Save and Invest + Grow Superannuation + Protect you and your wealth with Insurance + Minimise Debt + Minimise Tax
Pathways to Creating and Managing your Wealth
- Superannuation is a primary building block of future wealth creation and peace of mind in retirement. Whether you have invested in a retail fund or have set up your own Self-Managed Superannuation Fund (SMSF), your salary is increasing so taking advantage of tax concessions and salary sacrifice options and applying some smart super strategies now can be beneficial in later life
- Investing is an excellent way to achieve your financial goals and we can advise on strategies for developing a portfolio of investments. We can show you options which can give you greater peace of mind in retirement.
- Debt can be a master or a slave and it is not for everyone. Paying off your home loan as quickly as possible is a great foundation strategy as the equity in your home may be used as security for borrowing to build an investment portfolio. Using debt to invest may build your wealth more rapidly and may have some tax benefits. However, it is important to know that there are risks in using debt for investment and you need to ensure interest costs do not outweigh the investment return. Once we have complete understanding of your financial affairs we can advise whether borrowing is the right strategy for you to achieve your financial objectives.
Insurance: protection for you, your family, your assets and your financial future
- you with permanent disability insurance and trauma protection insurance
- your family with life insurance
- your income with income protection insurance
Insurance gives you peace of mind knowing that all your commitments are covered should the unexpected happen.
It will cost you nothing to have an obligation free chat with us. Give us the opportunity to show you what a difference we can make to your financial future. Simply call us or send us an email using the prompts below.
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