Harvest Wealth SA provides high-quality financial advice to all our clients. To help us provide this high level of service, we take the time to get to know our clients. The first step is to understand your goals, aspirations and current financial situation. If you are seeking limited financial advice on a single issue, we'll ask just as much as is necessary to be able to provide appropriate advice.
However, if you want a detailed financial plan, we'll conduct a more in-depth analysis of your financial goals, attitude to risk and present financial position - including your income, assets, investments and liabilities. Before undertaking any work, we will clearly explain the various steps involved in the financial planning process, as well as our fees and charges.
However, if you want a detailed financial plan, we'll conduct a more in-depth analysis of your financial goals, attitude to risk and present financial position - including your income, assets, investments and liabilities. Before undertaking any work, we will clearly explain the various steps involved in the financial planning process, as well as our fees and charges.
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A budget is a great place to start, it's a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money. Do you need a budget? Well, a budget allows you to see how much money is coming in and going out. It helps you ensure there is enough money to cover your expenses and is an effective way to make sure you are not spending more than you can afford.
Now that you're taking the first steps, pause for a moment to consider some often-overlooked factors that will set you up for success. While these may not be as exciting as dreaming up your vision or designing your marketing, building these tasks into your planning will give you the best chance to hit the ground running.
Does everyone need life insurance? Is the policy you're paying for through your super fund enough? Deciding what sort of personal insurance is right for you and how much cover you need takes time and asking the right questions about your individual situation.
With the amount of borrowings people have, together with a lack of savings, most Australians have no wealth cushion to fall back on if an unexpected event reduces their income - either temporarily or permanently.
With the amount of borrowings people have, together with a lack of savings, most Australians have no wealth cushion to fall back on if an unexpected event reduces their income - either temporarily or permanently.
Self-managed super funds (SMSFs) have become increasingly popular in recent years. They are often called 'do-it-yourself' or DIY super funds and, as their name suggests, they are super funds that are managed by their members. SMSF's provide you with more flexibility and choice in the type of assets you can invest your super in.
Enjoying retirement to the full isn't just a matter of money. It's just as important to have a good long think about what you'd like to be doing when you're no longer going to work. Will you want to travel or spend time with family or keeping fit? And when you're faced with the idea of stopping work completely, you may want to continue working part-time or volunteer.
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