TODAY

Establish where you are now by looking at your current financial circumstances, your income, and your expenses, to identify your needs, goals and objectives.

PROTECT

Implement a strategy to protect yourself, your family and your standard of living from financial hardship, to provide you with piece of mind and security.

BUILD

Develop a strategy to utilize your money to your advantage, to help you to generate and increase your wealth, and enjoy your lifestyle.

FUTURE

Achieve financial security and choice of lifestyle from your working days to beyond with a defined financial strategy.

WORKING TOGETHER TO…

MANAGE YOUR SUPER

If you’ve had a few different jobs over the years, you’ve probably got more than one super account!

For this reason, it is important to learn about tracking and consolidating lost super, as well as managing and investing your money so that your contributions accumulate and start to work harder for you in the years leading up to your retirement.

By bringing all of your super together into one super fund means you can avoid paying multiple sets of fees, reduce your paperwork and potentially have a single, larger super balance.

Which may leave you asking yourself…which super fund is right for me?

INCREASE YOUR WEALTH

If you are earning more than you spend, you are accumulating wealth. The greater the gap you can create between earning and spending, the faster you will accumulate wealth. Making the move from saver to investor is your first step on the road to building wealth. It’s only by putting your money to work that you can really get ahead.

Even starting with limited resources, it’s possible to realise your financial goals. But, first, you need to know a few things about yourself.

What are you investing for?

What do you want to achieve, and when?

Once you have a reasonably clear idea on those issues, you can start looking at your investment options!

MAXIMISE YOUR RETIREMENT

Many Australians will spend more than a quarter of their life in retirement and you’ve probably got a clear vision of how you want your life to be!

The question is, how much money will you need to make it a reality?

According to a widely accepted benchmark, most Australians will need approximately 65% of their pre-retirement income to maintain their current lifestyle in retirement.

When it comes to retirement, everyone’s different. Your ideal retirement might be a beach house down the coast, that long overdue overseas holiday or just spending more quality time with family and friends….or all of the above?

Take the time now to calculate your ideal retirement and the lifestyle you want to have…so it becomes a reality, not a dream that once was!

REDUCE YOUR DEBT

Just because you’ve got a thirty-year loan doesn’t mean you have to take thirty years to pay it off, right?

With all the right intentions most Australians set out to achieve the dream of owning their own home, and the freedom that comes with it, well before the end of their mortgage is due. What prevents most from achieving this are certain habits that they have developed with making their repayments. Through in other debt such as personal loans and credit cards and staying in control of your finances and having available cash flow to make extra repayments becomes near impossible.

PROTECT YOUR INCOME

What would be the length of time you would be able to pay your bill and sustain your lifestyle and those who depend on you if you were to find yourself no longer able to earn an income?

Once all the sick leave was used and the money in the bank account, which was put aside for the family holiday, was At best, the average Australian family might be able to see out 30 days before they started to feel the pinch.

FIND THE RIGHT HOME LOAN

No two home loans are the same! What one lender offers your friend or work collegue may sound like a greater deal!

The question that needs to be answered is…

Will that same loan provide you with the same benefits, or the flexibility that you need, to meet your financial and lifestyle needs?

If you go to your bank they will only offer you one answer. And, that answer will not have taken into consideration all the possiblities and solutions to that you require.

Whether you’re a first home buyer, an experienced investor or simply looking for a more flexible loan or better interest rate. Speak with a home loan specialist who will guide you through the entire process to ensure you have peace of mind that you’ve found the right home loan solution for you.

No matter your background or wealth... we can help you!

Call us today (08) 8563 2874 or Email us at admin@barossafs.com.au

It’s about every-day people in our community with real-life worries and forward thinking.

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