Goals Board

I want to live a happy and secure retirement.

Whether it’s travelling, community involvement or caring for family, we all deserve to live the retirement lifestyle we want

If you’re thinking about retirement, we can help you work out:

• how much you may need to live on
• when you may be in a position to transition to retirement or to stop work altogether
• how long your savings could last in retirement
• whether you may be eligible for any government entitlements

I want to feel in control of my finances.

Simplifying your personal finances can help you feel secure in the knowledge that you are managing your money and accounts well. If your goal is to keep on top of your money and paperwork, we can look at ways to help you:

• manage your cash flow and financial products
• understand and budget for living expenses
• save for other goals and emergencies
• spend more wisely
• reduce your paperwork.

I want a smarter way to pay off my debts.

Whether it’s good debt, bad debt or both – how and when you make payments could make a difference in the total cost of your loans.

That could mean more money in your pocket to invest in your goals, and help set you up for life. Some of the areas we can look at are:

• understanding your financial position to help manage debt and cash flow better
• options for debt consolidation
• freeing up any surplus cash and helping you to invest it
• using safe and simple strategies to help reduce how much interest you’re paying.

I want my loved ones to be taken care of if I'm not around.

Your goal may be to have confidence that your family and finances will be looked after should something happen to you. We can work with you to help you:

• think through the financial implications for your loved ones
• look at ways to help your loved ones maintain their lifestyle
• explore your options for estate planning.

I want to be prepared if something happens and I can't work.

If something happens, like getting sick or injured, the last thing you want to worry about is your finances. If your goal is to maintain your lifestyle if you are unable to work, we can:

• help you look at ways to prepare financially for a possible change in income
• explore ways to help you stay on top of your expenses, so you can focus on your health and well-being
• help show you how to build a safety fund.

I want to step out of the rat race for a while.

Taking a career break can be a rewarding experience, but it does require some planning. If your goal is to take a gap year, sabbatical, extend your long service leave or manage a redundancy, we can help you prepare financially. We can work with you to:

• build a plan that looks at practical ways to help you make the most of your cash
• develop a savings plan
• help optimise a redundancy
• help you plan to meet your ongoing living costs, including any debt obligations, while you’re not earning a salary.

I need to know I can make ends meet every month.

You’ve worked hard for your money; wouldn’t it be nice to know it’s also working hard for you. If your goal is to make the most of the cash you earn, we can help you to:

• identify if you can pay less in fees and interest
• look at your key expenses
• look at how you’re managing your current debts
• explore ways you can save more.

It's time to celebrate our life together

Along with the excitement of the big day, weddings can also bring about worries about money, which is why it’s important to properly plan for the costs involved. If your goal is to feel confident in the financial aspects of your wedding day, and surrounding events, we can work with you:

• to help you create a budget for your wedding and honeymoon
• by looking at your cash flow and expenses

We can also help by talking to you about how you could set yourself up on the right financial foot for life beyond the wedding.

I want to help them pursue all their dreams.

Giving the children in your life a good start can often come down to participation in sports, music lessons or other extra-curricular activities. If this is your goal, we can work with you to:

• develop a budget that is designed to help you meet your needs
• build a savings plan
• review your cash flow
• explore your options for making payments, such as upfront or ongoing payments
• help you spend more wisely.

We're ready to take the next step.

While you may already have shared financial commitments and joint bank accounts, setting yourselves up for the future requires some planning. If it’s time to understand what your shared goals with your partner look like, we can help you to:

• make sure all your financial paperwork’s in order
• explore your goals and prioritise your financial needs together
• set up your finances together.

I value my independence and want choices on where to live.

Your retirement can extend for many years, so it’s important to think about where you want to spend those years living and how you want live. Whether you want to stay where you are, or perhaps move to a smaller home, retirement village or even overseas, if your goal is to live well in retirement, we can help you by looking into:

• your retirement income and cash flow
• the costs associated with your living options, including aged care
• ways to help you afford to continue doing the things you love.

It's time to start making my dream come true.

It could be a car, holiday, home, wedding or your child’s education – whatever you’re saving money for, organisation and a realistic timeframe could go a long way. We can work with you to put together a plan to help you reach this goal, including:

• understanding your expenses to find ways to save
• looking at ways you can make your money work harder
• building a timeframe to understand the trade-offs you could make in order to help you reach your goal.

It's time to hatch my nest egg.

Your age and personal situation will determine when you can access your super. And, depending on when you do, there may be various implications to think about. Whatever your reasons, if your goal is to access your super, we can help you to:

• looking at ways to make the most of your available cash
• reviewing your cash flow and expenses
• ways to simplify your paperwork and finances to help keep them manageable.

It's time to welcome a little one.

The more organised you are, the more time you’ll have with your new baby. If your goal is to get on top of your finances and prepare for the costs of having a baby, we can help by:

• finding ways to help you manage your expenses
• finding ways to help make more cash available to you
• helping you to understand when, or if, financially you need to go back to work developing a family budget exploring government or employee benefits you may be entitled to.

I want to be my own boss.

Whether you’re a seasoned entrepreneur, or just at the beginning of a new venture, starting a business can be daunting and the right support can make all the difference. We can help you reach your goal by putting together a plan to help you feel in control of your finances, including:

• looking at ways to make the most of your available cash
• reviewing your cash flow and expenses
• ways to simplify your paperwork and finances to help keep them manageable.

I want to help them start their new life together.

Wedding planning is an exciting time. If one of your goals is to contribute to their dream wedding, we can help you by:

• looking at ways to make the most of your available cash
• taking into account your expenses
• tailoring a savings plan to help you reach your goal.

I want to experience a different way of life.

Combining work, learning and travel may just be the ultimate adventure. If your goal is to work overseas, we can help you be financially ready for it by looking at:

• practical ways to make the most of your available cash
• simplifying your paperwork
• how you’re managing your current debts
• building a plan to help you head off sooner.

I want to do what makes me happy.

If you want to take up a new hobby or interest that comes with a sizeable price tag, an ongoing financial commitment or takes time away from paid work, you’ll need to think about what you can do to make it a reality. We can work with you to build a savings plan to help reach your goal, including looking at:

• your expenses
• making your money work harder for you
• building a timeframe
• the trade-offs you need to make in order to help reach your goal.

The world is waiting.

Exploring the world can be one of the most rewarding experiences of your life. If your goal is to take a gap year, we can help you be financially ready by looking at:

• practical ways to make the most of your available cash
• simplifying your paperwork
• how you’re managing your current debts
• building a plan to help you head off sooner.

It's time to reinvent my life.

Changing industries, starting a business, being made redundant or learning a new skill to upgrade your current work role can be a daunting time. If your goal is to embark on a career change, we can help you manage the money side of things by:

• putting a plan together for the transition that is unique to your needs and financial situation
• demonstrating how a change in income could affect the outcomes of your goals
• reviewing your cash flow, expenses and debts to help ensure your money is working harder for you.

Having children makes a huge difference to everything.

Starting a family means a huge change to your life. If your goal is to have your financial load lightened a little, we can help you to:

• plan for new expenses, or one income
• find ways to help make more cash available to you
• explore government or employee benefits you may be entitled to
• review your personal insurances
• give some thought to the financial aspects of estate planning.

I need to take care of someone while still taking care of myself.

Would you like to be able to support someone in need? With the right approach, you may be able to provide financial support without compromising your other goals. We can help you navigate how you can help your loved one, as well as focus on your own financial needs and goals by:

• helping you understand your cash flow
• helping you explore what your personal goals are and how you could plan to achieve them
• checking if you are eligible for any government entitlements.

Nothing will hold my children back.

For a lot of people the cost of educating children can be difficult to manage. Whether it’s funds for schooling, tutoring, uni or TAFE, if your goal is to give your children the best in education, then we can help you by:

• looking at your cash flow and helping you understand your expenses
• finding ways to help make your money work harder for you
• creating a plan to help minimise the financial impact on your family and lifestyle.

I want to help my children get foot in the door.

For many parents, it’s a relief to see their children building a future with their first property. If your goal is to help your children get into the property market, we can help you navigate through the many areas that need considering, like:

• assessing affordability and your current financial situation
• potential funding options
• trade-offs in light of your own long-term plans.

I want to leave behind something meaningful.

Your inheritance is about more than just money. If one of your goals is to build a legacy for yourself and future generations, we can help with the financial aspects of estate planning and can work with you to:

• help plan for what your legacy could look like
• understand who the legacy could affect and how you could reach your inheritance goal.

I'm ready to study.

Whether it’s full time or part time, studying can be a big financial commitment. We can help you with your goal of furthering your education by:

• putting a savings plan together that is unique to your needs and financial situation
• reviewing your cash flow, expenses and loans to help make your money work harder for you
• looking at how you could manage your living costs and study at the same time
• assisting you to understand when you’ll be in a position financially to start studying.

I want to put my money in bricks and mortar.

Whether you’re intending to be a first time landlord or have been in the property market for a while, thorough planning is vital to making the right decision. We can help you reach your goal by putting together a plan:

• to help you build a house deposit
• to help answer the big question – how much can I borrow?
• to help you understand the costs and risks
• that demonstrates alternative approaches to investing in property
• to help you manage your cash flow.

I want a place to call my own.

Buying a home is exciting, even though it’s a big financial commitment. That’s why preparation and readiness could be the difference between make or break. We can work with you to help you reach your goal by putting together a plan:

• to help you build a deposit
• to help answer the big question – how much can (should) I borrow?
• to help you understand the financial upsides and downsides compared to renting
• that looks at how your living & lifestyle expenses may be impacted
• to check if you are eligible for any government entitlements

I want to be in control of my own finances.

Perhaps a parent, partner or relative has previously done a lot of the financial legwork for you. Now that you’re in control, think about what’s important to you.

If your goal is to be financially independent, we can look at ways to help you:

• manage your cash flow
• understand what debts you have in place and how to manage them more effectively
• get a budget and savings plan in place.