The triggers to seek financial advice differ as you go through different life stages. It may start with organising life and income insurance when you purchase a house or start a family. It might be putting your cashflow, equity and superannuation to work in your 30’s and 40’s to help you build wealth and support your family, or resetting your finances when your kids finish school to start focusing on your next chapter. If you have more cashflow, we can typically work on more strategies sooner but high cashflow is not a pre-requisite to see advice.
Earning well doesn’t always translate to feeling in control. We help high-earning families align their income with a structured plan covering taxes, savings, education and long-term goals, to create lasting financial confidence.
Some planners will specialise in SMSF (Self Managed Super Funds) and property, while others will specialise in shares. At The Bayside Investor, we do our best to take a balanced approach to use the right assets (property, shares, cash and other assets) and the right strategies to achieve the best outcomes for our clients.
It depends on the circumstances. Super contributions, savings and offset accounts, index funds and even Investment Bonds all work well in the right circumstances. We are passionate about finding ways to support the next generation financially as well as engaging your kids early so they can learn about the benefits of compound interest and investing over the long term.
The cost of our services varies depending on the complexity of the advice. A simple plan covering cashflow and life and income insurance is quite inexpensive, while a plan covering more comprehensive advice will cost more. We’ll work with you to structure our fees so they are affordable, and may be able to apportion some of the cost via your super fund to reduce the impact on your cashflow.
The “empty nest” stage creates new opportunities, whether that’s accelerating retirement savings, downsizing or reallocating investments. We help you refocus your plan for the next chapter.
If you value time, clarity and confidence in your financial future, the answer is yes. A good financial advisor provides guidance, objectivity and a plan tailored to your life – not just your superannuation, life and income insurance.
The best time to start was yesterday – the second-best time is now. Whether you’re building a career or approaching retirement, we help you create a plan that aligns with your preferred lifestyle and cashflow.
“Enough” is different for everyone and a lot of people make the mistake of comparing their super accounts to their peers. Hot tip – don’t. We’ll assess your income, expenses, investment strategy and retirement goals to create a realistic savings target – and a plan to get there.
