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Personal life cycle

Throughout life, from childhood to retirement, circumstances and priorities change. Personal goals at age 25 will be very different from those at age 63, but at every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for realising your goals.

Childhood – It is never too early to begin planning for a child’s financial future. Parents, grandparents, and other relatives can assist in the early years by providing funds for the child’s education and future.

Teenage Years – This is an important time to learn the value of financial planning as children begin to earn money for the first time, save to buy things such as sports or hi-fi equipment, fashion wear, learn the disciplines of managing a student loan, and so on.

Young Adulthood – This is usually the time to make provision for the purchase of a car, and to plan for the purchase of a home. It is also the time to start planning for retirement and other long-term financial goals. Money invested now is the foundation of your personal long-term investment strategy.

Settling Down – If you have not already done so, you may be considering buying your first home. You need to save for the deposit and furnishings, and you will need to budget for the mortgage payments and the other expenses that are an inevitable part of home ownership.

New Parents – The imminent arrival of your first child, with the extra responsibilities and perhaps the need for more space, should trigger a re-evaluation of your personal financial strategies.

Middle Age – As the children approach higher education you may wish to ensure you can meet a share of the costs. Many people begin saving plans when their children are born and although these can help at this time, you might also need to consider making extra provision. You should also be thinking seriously about your retirement at this time. You may well have reached your earnings peak, and as the children leave home and begin work you should review your strategies to ensure a comfortable retirement.  You might, for example, want to consider moving to a smaller house, acquiring a second home, or increasing your retirement funding.

Nearing Retirement – Your retirement plans should now be nearing fruition. As you approach retirement, you need to check at least once a year to ensure that your income in retirement will meet your needs – and provide a little extra for luxuries.

Retirement – After forty or more years at work it is time to take a well-earned rest, but you still need to keep one eye on financial planning if you want to enjoy a long and comfortable retirement.This may also be the time to begin putting some money aside for your children or grandchildren.

Personal financial planning is important at every stage in your life, and in the lives of those around you. We would be happy to advise you on appropriate financial strategies for each of these stages.

our Services

Accounting
services

In the constantly changing business environment, you can rely on our business services team to be expert, up-to-date and ready at hand to assist you with your business matters. Whether your concerns are taxation, accounting, business planning, cashflow and budgeting, or business valuation, rest assured that our staff are available to advise you.

audit
services

There is no such thing as a ‘one size fits all’ audit. We use the latest technology to provide individual assessments, producing comprehensive reports in which your stakeholders can have the utmost confidence. We are also happy to offer due diligence systems reviews and financial consulting advice.

company
secretarial

Communication and effective administration are essential elements of a successful organisation. Regardless of the size of your business, we are ready to support you with a team of highly qualified secretarial and support staff.

taxation
services

We regularly deal with a broad range of personal and corporate taxation issues and make a point of understanding the individual needs of every client. Whether you need advice on company tax, personal tax effectiveness or indirect taxation including payroll tax and GST, our team will identify the best solutions for you.

self managed
super funds

The way your superannuation is managed now will have a significant impact on the choices you have in retirement. Self-managed super funds are perfect for those looking for greater control of their savings and are one of the best ways to ensure that you will have sufficient funds for retirement.

specialist
services

In addition to our normal services, we have developed specialist knowledge and expertise in the following sectors:

Christian organisations

Audit of incorporated associations.