Member Newsletter 2021 Q2

Member Newsletter

Quarter 2 • 2021

Peace of mind is important for your mental well-being – especially in these times of economic uncertainty. This is why it is important to speak to a certified financial planner who can put a structured financial plan in place and help you make the right decisions with your money. Planning for your financial future will help you achieve your long-term goals and avoid making expensive mistakes. Now is the perfect time to get your financial future on track.


Failing to plan is planning to fail.
A certified financial planner will put you in the driver’s seat, with a clear vision of where you want to get to, and they will help get you there.

If you think that relying on your retirement contributions will be enough for your retirement, think again!

It doesn’t matter what your situation is, you need to get professional financial advice if you want to achieve your long-term goals. It is challenging to make sure you have enough money to retire comfortably and maintain the lifestyle you are used to. To achieve this, you need proper advice.

Why use a financial planner?

Retirement planning and investing for your future are complex and there are so many factors that are constantly changing. If you are not working with a financial planner, will you really do it yourself? Properly managing your finances and making the right decisions take skill, effort and time.

Peace of mind

In addition to the financial value of the advice, there is an emotional value too: from the peace of mind associated with having a structured and stable plan in place.

Not only will you be looking after your future finances, but after your mental well-being too.

Some of the benefits of financial advice

1   Enhancing your retirement savings
2   Reducing your debt
3   Managing your cash flow
4   Optimising your tax
5   Protecting you from risk
6   Establishing a budget
7   Improving your current lifestyle
8   Setting financial goals
9   Creating and building wealth

How financial advice has helped some of our members
  • It optimised my finances.
  • It helped me to achieve my goals.
  • I established myself financially.
  • It facilitated my transition into retirement.
  • It gave me a reality check just when I needed it.
  • My anxiety about money disappeared.
  • My financial knowledge improved.
  • I trusted my financial future.

What does a financial planner do?

A FINANCIAL PLANNER offerS advice on everything, from budgeting and investing to insurance and retirement planning.

A financial planner guides you in meeting your current financial needs and your long-term goals.

That means assessing your financial situation, understanding what you want your money to do for you (both now and in the future) and helping to create a plan that will get you there. Financial planners can help you to reduce spending, pay off debt, and save and invest for your retirement.

The range of expertise a financial planner offers you
  • They will give you a framework for managing your money, giving you a much clearer sense of direction.
  • They will give you better control of your cash flow.
  • They will help you get out of and manage your debt.
  • Your finances will be structured so that they are as tax efficient as possible. You will also be able to take advantage of tax concessions and government benefits.
  • Budgeting will be the cornerstone of your financial plan. This will help you implement your long-term plans.
  • They will help you save for retirement. When you retire, they will help you to choose the appropriate annuity and income you should draw.
  • You will be able to entrust your financial planner with taking care of your finances in the event of your death or if you are no longer able to do so.
  • A financial planner will assess your goals and devise a strategy to reach them. They will consider the time horizon and your financial capacity and identify the appropriate investment risk you should take to achieve your goals.
  • They will advise you on risk management – life and disability insurance, loss of income cover, insuring your assets and medical cover – all to protect your long-term financial plan.
  • Most importantly, you will stay on track to achieve your goals via ongoing reviews, meetings and management.
How much does financial advice cost?

For FREE financial advice you can contact the Alexander Forbes Individual Advice Centre on:

Alternatively, you may want to get advice from your own Financial Planner. Make sure that they are certified by the Financial Planning Institute.