The industry fund for the people who care
You‘ve probably been managing the costs of day-to-day living with a mortgage and possibly children for years. It’s now time to look ahead so that you’ll be able to retire comfortably in the next 5 to 10 years.How financially comfortable you'll be in retirement will depend on:
If you haven't established a relationship with a financial planner yet, it's time to start!
It’s never too soon or too late to talk through your financial goals with an expert. Even if you think you are on track to achieving your lifestyle objectives, it won’t hurt to meet with a financial planner to have this confirmed.
At this stage of your life your super nest egg should be starting to reach a significant size. You might be looking to pay off your house or perhaps build an investment portfolio.
A financial planner can review your current situation, and develop the next stage of your financial plan. A complete financial plan can help ensure:
When you meet with a financial planner, they will usually follow these steps:
| Step 1 | Gather your financial information such as income, debts, financial commitments and so on. |
|---|---|
| Step 2 | Determine your current situation, ongoing needs and short and long-term goals. |
| Step 3 | Identify any financial problems or special considerations you may have. |
| Step 4 | Upon your approval, prepare a written financial plan (Statement of Advice), including recommendations about your existing and/or alternative financial products for you to consider. |
| Step 5 | Implementation of your plan. |
| Step 6 | Regularly review your plan (at least once a year) to ensure you’re on track to achieve your goals and revise where necessary. |
What steps the financial planner takes may ultimately depend on your circumstances and the type of advice you request. But, it really isn’t that hard or daunting and the sooner you get started, the better off you could be.
As a member you have access to a qualified financial planner at a reduced rate through Health Super Financial Planning.
To start your retirement planning and/or to consider your future years call Health Super Financial Planning on 1300 780 223.
To assist you in making decisions to help you plan for your retirement, Health Super Financial Planning conduct regular seminars on various topics. These seminars are provided at no additional cost and cover a range of general topics including:
Make a booking and find out more about our current seminar schedule.
Health Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019 trading as Health Super Financial Planning (HSFP) is wholly owned by the FSS Trustee Corporation ABN 11 118 202 672 AFSL 293340 Trustee of the First State Superannuation Scheme ABN 53 226 460 365.
The Trustee pays HSFP half of the annual 1% account-keeping fee collected on all Health Super Account Based Pensions. The Trustee also pays a variable monthly amount (calculated on a cost recovery basis) to HSFP to conduct member seminar programs. The Trustee is not a representative of HSFP and receives no commissions when making referrals to this service. To obtain further information about the services provided by HSFP, contact HSFP direct by telephoning 1300 780 223. Alternatively, visit HSFP’s website at hsfp.com.au