No matter what stage you’re at in life, whether you are young and single, have a family or business or close to retirement, it’s never too late to start taking control of your financial life and be one step ahead of the others.
Think about what stage of life you are in and if your financially happy? You need to be aware of your financial circumstances and whether you are planning correctly or planning at all. Remember, people don’t plan to fail, they fail to plan . Planning is how SWM can help you.

Stages in Life:

Young & Single

Things you need to consider;
o Saving and Setting Financial Goals
o Budgeting
o Thinking of buying your first home?
o Managing Debt
o Co-contribution
o Salary sacrifice
o Personal insurances – protecting your greatest asset YOU
o Rent vs Buy?   

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Families

Things you need to consider;
o Planning financially around your first child
o Paying off the Mortgage
o Savings for your children
o Surviving off a single income?
o Salary sacrifice
o Spouse contribution
o Co-contribution
o Personal insurances – protecting your greatest asset YOU
o Do you have a will?
o Government Benefits – see the ATOs Family Essentials page 

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Business Owners

Things you need to consider;
o Company Tax Planning
o Business Succession planning
o Business Insurance
o Looking to secure business finance or capital?
o Equipment finance and leasing
o Corporate Super
o Salary packaging

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Pre Retirement

Things you need to consider :
o How much do I need for retirement?
o Transition to Retirement pension – what is it and is this for me?
o Paying off the home loan
o Salary sacrifice
o Spouse contribution
o Maximize your Super
o Have a retirement strategy
o Reverse mortgage
o Working part time

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Retirees

Things you need to consider;
o Allocated pensions and annuities
o The best time to retire?
o Estate planning
o Government pension entitlements?
o Health demands

Need further advice ?