At Harvest Wealth, we believe financial planning is all about developing strategies to help you manage your financial affairs to meet your life goals - and the first step is to make sure you have access to the right advice. Not everyone loves numbers and sometimes here at Harvest Wealth we take it for granted that we do; but rest assured, we also love working with people, because we know we can make a real difference.
Many Australians resist seeking advice, as if our financial future weren't just as important as our health or our children's education. We often decide to let our financial affairs take care of themselves, or leave them to a family member or friend, which is a bit like asking your butcher for advice on vegetables.
Many Australians resist seeking advice, as if our financial future weren't just as important as our health or our children's education. We often decide to let our financial affairs take care of themselves, or leave them to a family member or friend, which is a bit like asking your butcher for advice on vegetables.
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There is incredible value in helping someone sort out their financial affairs. When it comes to using our money most of us never give it a lot of thought other than knowing how to spend it of course. The closest we get is when you apply for a home loan and submit all that income and expenditure information, but that's where it stops.
While many people insure their home, car and possessions, it is even more important to make sure your family and lifestyle are protected from financial misfortune. Losing your future earning power can be financially devastating. Without a regular income, it can be a challenge just paying for everyday household expenses like groceries and power bills, while ongoing mortgage repayments or school fees can quickly eat away any savings.
Knowing what your goals are and how you're going to get there is a very important step on the path to wealth creation. Deciding on the most important thing that you want to work towards, be that saving for a holiday or a house, or investing for your retirement or protecting those you love. When thinking about this, it's also good to consider what are non-negotiable lifestyle expenses and what you can do without.
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 consider continuing to work part-time or as a volunteer.
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.
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