It's understandable to be overwhelmed by the number of possible ways to invest your money. However, it's important to remember that it's the number of available investment products that make it overwhelming and not the strategies that will set you on the path to your specific financial goals.
We explore factors like your purpose for building your wealth, when you need to access money, what you expect your return on investment to be over that time and how you might react to periods of volatility.
As specialists in investment strategies, we can tailor a solution that meets your specific needs and suggest products that will be best suited to your objectives.
Affinitas Financial Planning can work with you to implement appropriate insurance policies and ensure you have the right level of cover.
Life Insurance pays a lump sum to your family when you pass away. The proceeds can be used to clear debt, pay off the mortgage, pay for children’s education or otherwise secure your family’s financial future. Life insurance can be funded through your superannuation fund, or from your regular salary. This has implications for both cash flow and taxation, so we can help you decide which is right for you.
A lump sum to help support you if you are totally and permanently disabled due to illness or injury. Designed to help meet one-off and ongoing living expenses, as well as cover special expenses such as medical and rehabilitation costs. We can help you understand what definition would suit you.
Trauma, or Recovery, Insurance pays a lump sum on diagnosis of a serious illness. The illness must be one of the ones specified in your policy and the top conditions covered include cancer, heart attack and stroke. We can remove financial stress so you can concentrate on recovery.
Income Protection, or Salary Continuance Insurance pays up to 75% of your salary if you cannot work for a prolonged period, due to accident or illness. We can help you understand and decide on important details such as waiting periods and whether superannuation should be included in claim payments.
As you approach the end of your working life, it is important that you plan for the next chapter, where there will still be bills to pay and a lifestyle to fund.
Retirement is a life-changing event which will impact:
We work closely with you in the years approaching your retirement so that this transition has the least financial stress possible for you and your family. Having a clear plan for when you finish working, can go a long way towards a rewarding and happy next stage of life.
With so many superannuation providers and product choices, it can be difficult knowing where to begin. By taking an active interest in your super, and being engaged in the process, you can achieve so much more.
We make it easy for you to get engaged with your superannuation plan, by keeping it simple with strategies designed around tax-effective outcomes.
If terms like 'Salary Sacrifice', 'Deductible Contribution' and 'Transition to Retirement' make your head spin, it's time to partner with us to build your understanding and take control of your financial future.
Affinitas Financial Planning is an authorised representative of Count Financial Limited ABN 19 001 974 625 holder of Australian financial services licence number 227232 (“Count”). Count is owned by Count Limited ABN 111 26 990 832 of GPO Box 1453, Sydney NSW 2001. Count Limited is listed on the Australian Stock Exchange.
The information on this web page is not financial product advice and is provided for information only.
General advice warning: The advice provided is general advice only. In preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.
