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Taking care of your growing family

What Matters Now?

Your family isn't so fresh and new anymore. You're starting to mature a little, and so are your finances. This opens up some new goals and opportunities.

Budget Related

As you age and get more experience, income generally increases. Ensuring your budget is changing to fit will allow you to fund a better lifestyle.

Keep Healthy

As you age, health is not only more important but also harder to maintain. Making it a priority and making it part of your lifestyle has major benefits.

Protect Your Income

Most people at this stage are heavily reliant on their income. Losing your income for even a short period of time can result in heavy losses to lifestyle.

Protect Against The Worst

Think about what would happen to your family if the worst - death of you or your spouse - happened. Covering yourself against this ensures your family will survive.

Investments

If budget has been maintained effectively, you may have the cashflow to start investing. If not, getting some advice now can help with getting you started.

Start Planning Retirement

Retirement might be 20 or so years away, but starting the plan now might be the difference between living comfortably or struggling to survive.

Income Protection Insurance

The biggest asset you have right now is your ability to earn income... so make sure it's not at risk!

Income protection cover can provide up to 80% of your regular income as a monthly payment, if you're unable to work due to illness, accident or injury.

Key points:

  • Covers you if you can't work
  • Get 80% of your income each month
  • It's usually a tax deduction

Want to learn more?

Life Insurance

One of the worst things that can happen is the loss or permanent disability of a loved one. The next worse thing is realising that you're about to lose everything.

Life Insurance can help protect your family in the event of that worst thing happening, actually happening.

Key points:

  • Get a payout in the case of death
  • Can cover you for permanent disability
  • And potentially (if you are covered) you can get paid even on getting diagnosed with a terminal illness

Want to check what your life insurance policy covers you for?

Investment Advice

Anyone can start investing, but identifying a strategy that will work for you is a whole different ballgame.

At Leading Advice you can get help to identify which investment strategies are available for your circumstances, as well as finding which investments can help achieve your objectives.

Key points:

  • Get a strategy that fits YOU
  • Identify some suitable investments for your profile
  • Get professional guidance to assess your options

Want to review your investment strategy?

Superannuation

Retirement isn't just a one-off event. It's every day of your post working life which could be 20 years plus, so your finances need to be well prepared.

Superannuation is a great (tax friendly!) way to fund your retirement, but choosing the wrong super fund can end up being hundreds of thousands of dollars in lost earnings. 

Key points:

  • Find which super funds are suitable for you
  • Put a plan in place early for an easier retirement
  • Get yourself on the right foot!

Not sure about your Superannuation?

"Now I know that if something was to happen to me, my family would be okay. Thank you Katrina!"

Lucia Van Gerwen

Small Business Owner

Want to provide for your family?

We'd be happy to help get you on track to financial freedom with a complimentary review of your current situation.

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