Finance

Financial Planning

Financial planning

Our professional advice helps our clients to gain and retain control of their finances. We lead you through the process of setting your financial objectives, assessing your assets and resources, estimating your future financial needs and developing a plan to achieve your goals.

The sooner you start planning the more likely you will be able to achieve financial independence and long term peace of mind.

Superannuation

Many baby boomers will outlive their superannuation savings. While younger generations will have more time to maximise super balances at retirement they may also have significant HECS debts. This was generally not an issue for previous generations.

As you approach retirement years’ salary sacrifice, a transition to retirement strategy or property investment through a self-managed super fund (SMSF) could help you build your superannuation balance.

There is no ‘one size fits all’ plan for wealth creation which is why we recommend you give the MJ Broking team a call to organise a time to sit down and chat about what is best for your individual circumstance.

Risk insurance

Life insurance provides a lump sum payment to your beneficiaries in the event of your death. If you are the main income earner in the family, this insurance will help your family manage their future (eg paying out mortgages, schooling and other family expenses) without your ongoing earning capacity.

TPD – total and permanent disability
You can choose to cover yourself for either total or permanent disability or death options, providing you can no longer work or in the event that you die due to illness or accident. When combined with life insurance, this can provide security for you and your family for the rest of your life. This insurance is designed to pay you a predetermined percentage of your monthly income (usually 75%) should you be unable to work due to illness or injury.

Income protection
Income protection insurance pays you a predetermined percentage of your monthly income should you be unable to work due to illness or injury.

 

 

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