How can a Financial Adviser help you?

It is a common misunderstanding of individuals when it comes to Financial Advisers and most ask the question – What does a Financial Adviser do?

Without a financial plan in place, your financial situation becomes unorganised and uncertain. With the help of Callaghans, we can help you put these pieces together to create a comprehensive, clear financial plan for your future.

 

What do we provide advice on?

  • Insurance
  • Investments
  • Superannuation Planning
  • Retirement Planning
  • Self-Managed Super Funds
  • Tax Planning
  • Estate Planning

When speaking to one of our adviser’s regarding your financial situation, it is recommended, but not essential to review your entire situation. If you are simply only interested in getting a specific area looked at, ie. your insurances, then we can offer an Insurance Only advice document restricted to providing advice and recommendations focusing on only your insurances.

 

What type of insurance can we help you with?

  • Life Insurance
  • Total & Permanent Disability
  • Income Protection
  • Trauma

Let us take the stress and headaches out of this process for you! When thinking about insurance there are a lot of details to consider and the team at Callaghans can help you find the right insurance policy for your needs. We can help you with:

  • Determining how much cover you need.
  • Whether to hold your policy inside or outside of super.
  • Finding the most appropriate insurance company and policy that fits your needs.

 

Investments

There are a range of investment strategies you can choose from, including but not limited to: managed funds, margin loans, direct shares, property investments, term deposits and cash managed trusts. Before recommending an investment strategy for you, we will meet with you to determine your current financial situation and what your goals are for the future. We will work with you to find out how comfortable you are with risk and after gathering this information we will recommend an appropriate investment strategy best suited for your needs and goals.

 

Superannuation

Don’t know much about your superannuation fund? Do you have multiple super funds with a variety of companies? We can help you consolidate your superannuation into one fund and help you apply an investment strategy that will help you reach your financial goals. Our team at Callaghans can help answer any questions you may have regarding:

  • Salary sacrificing
  • Spouse Splitting
  • Government Co-contribution
  • Contributions Eligibility
  • Conditions of release

With constant changes to superannuation legislation, we can monitor your situation and will notify you if these changes are applicable to your situation.

 

Retirement Planning

The team at Callaghans can review your financial situation and work with you to put a plan in place. As demonstrated above, by putting a plan into place for your future, you are able to see a clear goal for when you retire. If no plan is implemented, your situation can be unpredictable and may put you in an uncomfortable, stressful situation where the outcome is unknown.

Within our advice scope, we will help you determine where your finances are today, where you want to be when you retire and help you make a plan to bridge the gap. Don’t let the uncertainty of your finances make your retirement process a stressful experience, we can help you to make this an easy and simple process.

 

Estate Planning

Do you have a Will in place? Is it up to date? When you come in to see us at Callaghans, these are the types of questions we ask you. Helping you to put in place precautions and strategies for all aspects of your financial situation, is our plan at Callaghans and to ensure you’ve considered all the important questions, like:

  • Do you have a will in place?
  • Do you have adequate life insurance?
  • Are there any tax consequences of how your assets are distributed?
  • Do you have a binding death nomination for your superannuation?

 

What are the benefits of a Financial Adviser?

We help manage your financial situation which will assist clients by:

  • Reducing stress
  • Giving clients peace of mind
  • Provide a contact for any changes to legislation or changes within the industry
  • Saves time and allows clients to do what they enjoy in their spare time
  • Providing direction
  • Providing an unbiased view, we are acting in the best interest of the client. Most clients gain knowledge from the news, social media and marketing campaigns

 

Feeling uncertain about any aspects of your financial situation? Come in and see one of our experienced advisers at Callaghans Financial Services!

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