Skip to main content

WHY A FINANCIAL PLANNER

Rarely do we consider our long-term financial future and whether we can fund our lives, hopes and dreams - no matter how much we know we should.

You don't need a lot of money to see a Financial Planner. However, making the decision to prepare a financial plan is the first step towards pursuing financial security, which ultimately gives you freedom and choice of lifestyle.

No matter your age, income, experience or goals, a Financial Planner from Peter G Clarke Consulting Pty Ltd may be able to help you increase your wealth, save on tax and secure the lifestyle you want.

A Financial Planner from Peter G Clarke Consulting Pty Ltd can help with advice if you:

  • Are single, married, widowed or divorced
  • Are saving to buy your first home
  • Have your first mortgage or own a house
  • Have started your first job or received a promotion or are self employed
  • Have a family or are planning a family
  • Need to fund the children’s education
  • Have sold a property or business
  • Have received a lump sum in the form of an inheritance, redundancy or insurance payout
  • Want to retire early or are preparing for retirement
  • Have a disabled child or sibling
  • Have an aged parent
  • Want to develop a charitable giving strategy.

...make an appointment today. Our experienced advisors are dedicated to helping you prepare financially for life's most important milestones, so you can achieve your goals.

 

Starting out

No matter where you're starting from we will help you climb the financial ladder faster. Obtain advice on:

  • Setting your financial goals
  • Saving for a car
  • Building a home deposit
  • Making extra money through investing in managed funds or shares
  • Starting with superannuation

A new relationship or a new job

It is that exciting time of your life - a new partner or a new job. There are so many plans and so much to look forward to!  It is at this time we can help you to set your joint goals or manage the new salary, using tools focused on smaller regular investments like:

  • Savings plans into a managed portfolio
  • Instalment Gearing plans
  • Understanding risk and volatility

Settling down

As you start to settle down or maybe just get a little older and wiser, your priorities can often change. These may involve buying a home, starting a family or building an investment portfolio. Speak to a Financial Planner from Peter G Clarke Consulting Pty Ltd about:

  • Investing over the long-term
  • Understanding investment risk
  • Contributing to superannuation

Family life

Racing to school, making lunches, weekend sport, work, family life can be hectic. It's often hard to take the time out to concentrate on where you're heading financially. A Financial Planner from Peter G Clarke Consulting Pty Ltd will take the hassle out financial planning, so as the children have grown, so has your wealth. We can provide direction on:

  • Creating education plans for your children
  • Investing tax-effectively
  • Borrowing money to invest
  • Maximising the value of your superannuation

Empty nest

The children have all grown up and finally left home, the mortgage is paid out - you suddenly find you have extra money. Now is the perfect time to focus on building wealth for the future. Learn how to consolidate your wealth through:

  • Optimising your portfolio of tax-effective investments
  • Maximising the value of your superannuation
  • Caring for Aged parents

Retirement

After working hard for so long, we all want to have enough money to enjoy life and do all the things we’ve always wanted to do. Find out about tax efficient retirement solutions and how to

  • Make your money last in retirement
  • Enhance your lifestyle
  • Maximise the value of your superannuation
  • Maximise Centrelink or Department of Veterans Affairs entitlements
  • Financially care for aged or infirm partners

 

Widowed or divorced

The many responsibilities of budgeting and financial planning are often daunting to people who have been in a relationship for many years. We can help to reduce your financial stress following divorce or a partner's death by advising on:

  • Investing the proceeds of an insurance payment
  • Managing and consolidating debts
  • Budgeting for the changes in your lifestyle
  • Providing advice on the best investment and superannuation options for your situation

Received a redundancy, inheritance or insurance payout

When you experience a significant change in your work or financial situation, it is important to get advice on how you can make the most of the opportunity so that your money will make a positive difference over the long term. A Financial Planner from Peter G Clarke Consulting Pty Ltd can:

  • Suggest the most appropriate investment options for your situation
  • Help you manage and consolidate debts
  • Explain the superannuation and insurance impacts of your payout

Self employed

If you are self employed or considering self employment, you are likely to have specific financial needs. Think about:

  • Creating wealth outside of your business
  • Advice on the most appropriate superannuation options

Sold your business

Many of us have built businesses up over our lifetime and now is the time to sell. Our Planners can help you:

Develop a strategy to roll the proceeds to superannuation

Minimise any capital gains tax

Plan for your hard earned retirement

Disability Trusts

Sadly there are some of us with disabled children or siblings, a Financial Planner from Peter G Clarke Consulting can assist with:

  • Structuring a Disability Trust
  • Centrelink
  • The development of an appropriate investment strategy
  • Implementing and managing the investments in conjunction with the Trustees

Aged Parents or partners

It can be jarring to realize that your aging parent might be having difficulty keeping up with his or her personal finances. This can seem especially daunting if you don’t live in the same part of the country as your parent. A Financial Planner from Peter G Clarke Consulting Pty Ltd can help you and your parent attain real peace of mind by:

  • Developing a smart financial plan for the years to come
  • Assisting you to get key financial documents in order.
  • Directing your parent to a solicitor who specializes in such matters.

Philanthropy

Many Australians are already involved in giving. Our planners can help them:

  • Create the right structures
  • Develop and implement an investment strategy
  • Be more tax efficient and effective
  • Develop a range of gifting strategies.
  • Build strong portfolios maximising yield