Life Stages

When we can help

Discover when to get financial advice for each pivotal moment in your financial journey and how Perspective can support you at each turn. Financial needs and goals evolve through different life stages, and understanding these transitions is key to effective planning. Let’s explore how we can assist you in navigating these crucial phases.

Getting Started & Laying Foundations

When embarking on life’s financial journey, starting your first job, purchasing your first home, or expanding your family requires a strong start.

How we can help:

  • Create a budget to optimise your cash flow.
  • Evaluate and recommend insurance options for your growing needs.
  • Explore lending solutions for home buying or improvements.
  • Develop investment strategies for long-term goals, such as education savings.
  • Advise on superannuation contributions and benefits to enhance your savings.
  • Assess the need for a will and an estate plan to protect your family’s future.

Grow & Secure Your Wealth

As you progress and your assets grow, we’ll help you navigate the complexities of wealth accumulation and protection.

How we can help:

  • Fine-tune investment portfolios to align with your wealth growth objectives.
  • Introduce more complex strategies to boost wealth accumulation. 
  • Implement risk management strategies to safeguard your assets.
  • Offer guidance on property investment and portfolio expansion.
  • Provide advanced financial planning to secure your family’s wealth and future.
  • Assess the need for a will and an estate plan to protect your family’s future.

Nearing Retirement & Prepare for a Comfortable Future

Approaching retirement, it’s time to focus on preserving wealth and planning for a sustainable lifestyle.

How we can help:

  • Conduct a thorough review of your retirement needs and plan accordingly.
  • Optimise your super and income streams for retirement.
  • Consider strategies to maximise your estate to your loved ones.

Choice, Financial Freedom & Enjoying Your Achievements

In the phase of financial freedom, it’s about enjoying your wealth and ensuring its lasting impact.

How we can help:

  • Implement strategies for wealth transfer to the next generation, ensuring your legacy endures.
  • Advise on philanthropic giving and charitable trusts.
  • Manage estate planning to reflect your legacy wishes.

Contact us today to discuss how we can assist in shaping your financial legacy, ensuring a future that reflects your aspirations and values.

We look forward to working with you to achieve your goals.