Plan
Establishing a relationship with a Financial Planner who understands your unique situation and who you trust as a Financial Partner, is the first step to successfully planning your future.
Your plan becomes your blueprint to working towards your goals in a methodical and structured way, managing any risks and capitalising on any opportunities.
Your story starts with you. It kicks off with you seeking professional support to help you drive your financial future. To maximise opportunities and minimise your financial risk.
- Whatever your reason for seeking financial advice, contact us at Blue Harbour to book an initial complimentary appointment to see how we can help. If you know which planner you’d like to see, great! If not, you’re in safe hands with any of our expert financial planning team.
- At your first complimentary appointment, your planner will discuss your lifestyle goals and current financial situation. Dependant on how you’d like us to help, your planner may ask questions around your income, assets, insurance arrangements or superannuation to gain a bigger picture of how they can best advise you. There are no ‘right’ answers, we can help you improve your financial situation, wherever you are in the journey.
- Your Financial Planner will analyse your current situation and present recommendations based on your discussion before moving to the next phase – starting to implement your new financial strategy. At this stage, if you chose to continue working with your adviser, our partnership will continue over the years with reviews and alterations based on your life changes as they happen.
What is a Financial Planner?
A Financial Planner is a qualified financial adviser who advises clients on investments, insurance, retirement, tax and estate planning. Their role is to partner with you to create a strategy to help you meet your long-term financial goals.
How much money do I need to have to see a Financial Planner?
How do Financial Planners get paid – do you try to sell me products which make you commission?
At Blue Harbour Financial Partners, we are paid a fee for service, meaning that as a client, you’ll pay a fee for advice. This enables us to offer the best advice for your unique situation, rather than be biased towards particular products. We make no ‘commissions’ from selling you financial products, meaning you can be sure that we’re working in your best interests and that we’re navigating you into the right financial safe harbour.
At what stage should I engage a Financial Planner?
Many of our clients find financial planning is prudent at pivotal points in their lives – when you’re starting a family, moving to a new house, have come into an inheritance or as you approach retirement for example. However, there doesn’t need to be a particular trigger, other than a desire to create greater financial stability both now and into the future.
Superannuation
Super funds invest your money into shares, property and managed funds – we help you to find and select the right super fund, consolidate multiple funds and start securing tomorrow’s lifestyle.
Can you help me consolidate my super funds?
In simple terms, yes. We can help you track down your super accounts and recommend a fund that suits your financial goals and appetite for risk. Having multiple super funds could mean you’re paying fees you’re not across and could impact upon the final dollar figure you retire with.
What happens if I don’t have much in my superannuation fund?
The first step is not to panic! Allow one of our financial advisors to assess your situation and work out a strategy to increase your super, and help you work towards stability in your retirement years.
How much should I have in my superannuation to retire on?
The amount of money in your superannuation will depend on multiple factors – your income during your working life, if you’ve taken breaks from work (to travel, to have children for example), the fees you’ve been paying on your funds and the amount of money you have been regularly paying in.
The amount you need to retire on will depend on the type of lifestyle you wish to lead in retirement and will vary from person to person. You may find approximate superannuation calculators online, but we’d strongly advise you to seek independent financial advice to find a tailored answer for your own unique circumstances.
Seek help to manage your financial future.
Tomorrow doesn’t need to be uncertain.
Enjoy bespoke advice with expert Financial Planners, to guide you safely into harbour with your finance and assets.
Call us today on 07 3821 1161 or fill in your details below: