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The top reasons we ask for financial help Posted on October 9, 2018
According to David Evers other reasons we ask for financial advice include:
- Getting married, or separating from a partner.
- Starting a family, and saving for education costs.
- Buying a house, or paying off the mortgage.
- Looking to invest for capital growth.
- Planning to retire.
- Inheriting money, receiving redundancy payments or other lump sum payments.
You may need an expert to help you consider your options and to understand financial products, tax laws or the Government benefit system.
David Evers says “Once you find an adviser you’re comfortable with, a long-term relationship often develops with regular meetings to review your changing needs.”
What’s best for your savings and future?
Many Australians have a family doctor, but just as important can be a good relationship with a trusted adviser.
David Evers says, “You wouldn’t try to heal a broken bone or make an uninformed health decision by yourself, you would get advice from a doctor. It is the same for the health of your savings and your future savings.”
Australians love to ‘DIY’ when it comes to savings. However, David Evers warns, “Unfortunately, when it comes to investing, our DIY attitude is causing many Australians to fall far short of achieving financial goals.”
“Particularly when it comes to retirement, the rules and regulations regarding your savings are extremely complicated – and without the right advice, you may soon become your own worst enemy when it comes to investing.”
“Your adviser wants you to end up with more savings than when you started, and is qualified to look at your whole financial situation – from car repayments to paying for children’s education to retirement goals.”
Advice tailored to your own life and goals
David Evers says, “Financial advice is a very personal process, and clients’ individual goals and situations are taken into account every time”.
“A couple saving up for an overseas holiday in retirement will need very different advice to a 22-year-old planning financially for a working holiday, or a young family considering education and mortgage costs.”
“Just as a doctor doesn’t try to sell a particular medication, a trusted financial adviser will only advise on the best options for your situation.”
“If someone is at a point when they need to make a choice to save money, or even to protect against personal or business risk, manage debts, grow assets, plan for retirement, or plan ahead for the security of family, the advice of a qualified and trusted adviser can be invaluable.”
David Evers is an Authorised Representative of Count Wealth Accountants, Australia’s largest independently-owned network of advisers and accountants. Not being owned by a financial institution (eg Bank, Life Insurance Company or Fund Manager) means that client’s needs are always met first and foremost.
For more information: David Evers, Robson Partners