Financial Planning

Working with a financial planner is about much more than just increasing your wealth. It is also about creating achievable short, medium and long-term strategies to help you reach your financial goals – and protecting you and your family at the same time.

What areas can a financial planner help you with?

Some of the areas a financial planner can help advise you on include:

Life insurance
If you or your partner die, is there enough money in place to look after those left behind? Life insurance can help ensure that any remaining liabilities are cleared, and you leave a lump sum, too.

Retirement provision
Are you on course to have enough super to fund the retirement you want? What else should you be doing to make sure your retirement is the one you aspire to? Working with a financial planner can help you work towards the retirement you want.

Investments/savings
Your financial planner can review any existing investment plans/savings accounts to make sure that they still best meet your requirements, including your risk strategy, and provide investment advice on any new money.

Household budget
Small changes during the course of an average week or month can amount to significant savings over the course of the years. We’ll work with you to build and review your household budget, and identify where savings can be made.

Property
Is your current mortgage – or mortgages – the most suitable for your situation? We can review your mortgage, and advise on the best course of action – including strategies to pay it off earlier.

Debts
We will look holistically at your financial situation and advise on the best strategies to reduce or change your debt.

Lifestyle change
Key life moments bring with them significant financial changes. If you have recently purchased a home, or are about to have your first child, for example, you need to review your life insurance policy, as well as your financial plan. Don’t leave things to chance.

What is the process for working with a financial planner?

Our Scott & Co financial planner will meet with you at a location of your choice and undertake a fact find so that they have a full picture of your finances.
This will include looking at your income, expenditure, assets, liabilities, investment and taxation strategies, retirement provision and insurance coverage.
Having identified your short- and long-term needs, they will recommend suitable products, strategies and services to meet any shortfall in your financial planning needs and, with your approval, put any plans into place and review your circumstances periodically.
You may feel that you are more than capable of managing your own financial planning needs – however it is still good practice to get a second opinion! Have an expert check the strategies that you have in place; if only for your reassurance.

What is the benefit of seeing a financial planner?

Teaming up with a financial planner will give you peace of mind that you and your family are working towards achievable financial goals, while having the right levels of protection in place while you do so.
Your financial planner will help you gain control of your financial destiny, while giving you practical advice and support along the way.

Let Scott & Co help you grow your wealth

Work with us to realise your financial dreams, while protecting you and your family.