OH SH*T, ONLY A WHILE TO GO NOW. WE REALLY NEED
TO GET SERIOUS
Äfter a long period of juggling conflicting priorities around family, career and mortgages, things are starting to settle down. Your career has matured and you are making good income, but you may still have significant debt. Kids are still expensive to run, but one or more of them may have left home by now, or at least be more financially independent.
You have been concentrating on reducing your mortgage, and have only had employer contributions going into super. You might have multiple super accounts as you have changed jobs a few times. You may or may not have purchased an investment property along the way, and if you have, you still have significant debt connected to it. Some of you may have suffered the upheaval of divorce or the loss of a spouse. It’s time to get serious in the lead up to retirement, or else you ,might just run out of time…
Our Innovus Accumulators package has been designed for you.
WHAT YOU WILL GET OUT OF IT
- A clear picture of where you are now, giving you confidence and peace of mind
- Assistance in working out what income and assets you will need in retirement
- A comprehensive Financial Plan to tell you where you are and where you’re going
- Multiple strategies to accumulate enough wealth to meet your retirement goals
- A plan to help you completely eliminate debt by retirement
- Optimization of saving and prioritization of multiple goals
- Accountability to help measure success and progress
- Financial scenario modelling, including “what if” answers – what if you save more, spend more or invest more?
- Customized investment recommendations
WHAT WILL WE DO?
- Prepare a Comprehensive Financial Plan
- Take a look at all aspects of your financial life as they stand today, including any related entities – trusts, self managed super funds, business entities etc.
- Assess and recommend different debt reduction strategies
- Structure a plan to accumulate the assets you will need to fund your chosen retirement lifestyle, if that is possible
- Analysis and detailed recommendations around your investment portfolio
- Consolidate any multiple superannuation accounts you have and ensure you’re in the right fund for you
- An assessment of current and future income property
- A review of your current nsurance policies and recommendations about which policies you could add
- Check in with you to keep you accountable and make sure you are on track
WHAT'S INCLUDED FOR YOU
- 30 Minute No Cost Obligation Free Chat
- 60-75 Minute Consultation (in person or online)
- A Statement of Advice outlining our recommendations emailed to you
- Assistance with putting our recommendations into practice – from savings to buying property
- Free Questions with our team any time you like for 12 months
- Unlimited email Access to our financial planning team
- Access to our library of educational videos
- Preparation of simple income tax returns
Your affairs have become much more complex by now. You may have multiple investment accounts both inside and outside of superannuation, one or more investment properties, blended families, disabled children, dependent parents living with you or maybe even lump-sum inheritances on the horizon.
In short, it is difficult to provide a definitive fee. See our pricing page for more details, or speak to our team about a more specific quote just for you.
I didn’t know where to start, I just knew I needed to do something. Paul and the team at Innovus advice were great and explained everything to me so I had a better idea of what my future could look like. It gave me great peace of mind.