Personal Financial Review

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Financial Planning

A financial plan is the best way to make sure your finances meet your immediate and future needs. A financial plan outlines your goals and how you will financially achieve them. It can include:

  • An analysis of your financial situation covering your income, debts/loans, spending habits and level of current savings.
  • Review your wealth protection needs and ensure you are adequately covered.
  • Tax-effective wealth creation strategies using investment vehicles, tailored to your individual financial needs.
  • Retirement planning strategies to maximise your superannuation and ensure you save enough for a comfortable retirement.
  • You don’t need to wait until tax time to do a financial plan. Contact us and start your financial plan now!

Financial advice

mbt offers advice on a wide range of financial needs. This includes:

  1. Wealth creation – investing, platforms, managed funds, stockbroking.
  2. Wealth protection – life, TPD, trauma and income protection insurance.
  3. Retirement planning – superannuation, income streams, Centrelink entitlements.
  4. Debt management – home and investment loans, loan refinancing, equipment finance for businesses and consumers.
  5. Tax-minimisation strategies – strategies to reduce the tax you pay and build your wealth.

Investment reviews

Successful investors know that the only way to ensure they achieve their personal financial goals is to regularly review and fine-tune their investments. Not having your investments regularly reviewed can cost you thousands of dollars in unnecessary taxation, poor performance and missed opportunities. That’s why mbt offers an investment review service.

Our investment review service provides you with the power and flexibility to make calculations and projections on proposed changes before they happen. Before you make a decision to change your investment portfolio you can see for yourself how your financial future might look.

As part of the service, your mbt adviser provides you with accurate and up-to-date reporting on your total investment portfolio. This information is then regularly reviewed with you to ensure your investments and the strategy behind them, remains on-track to reach and achieve your goals.

Even if you think your plan and investment strategy is effective, let us review it. We may just surprise you. mbt advisers are uniquely qualified to give tax-effective wealth creation advice and look to for ways to help you reach your goals sooner.

We can review your:

  • Superannuation strategy – ensure you are saving enough for a comfortable and financially secure retirement.
  • Investments – analyse what can be done better.
  • Review your insurance needs to ensure your wealth creation strategy is protected.
  • Identify any financial risk areas not meeting your wealth creation goals.

Pay less tax

As most mbt financial advisers clients are also clients of our accounting division, they are well-positioned to receive specific advice on the best way to minimise the tax.

Where to begin

  1. Select the right financial adviser for you. This is the most important step when it comes to planning your financial life. You need to feel comfortable discussing your financial goals with someone you can trust. This person can help you create wealth no matter what stage of life you are at, whether you are young and single, have a family, enjoying your marriage without the kids, or retiring. Contact your local mbt adviser and start looking after your financial life!If you’re not ready to take the plunge and contact a financial adviser, read our easy-to-follow steps below on how to better manage your finances.
  2. Understand. Make sure you have a good understanding of all your current and future financial needs. Then set yourself some financial goals – it could be saving for that dream house or holiday!
  3. Plan. Together with your mbt adviser, put a plan in place detailing how you will reach your goals. This plan must consider your current and future income and expenses. Remember, your mbt adviser can tailor a financial plan to suit your goals.
  4. Review. The plans you made two or ten years ago may not be relevant to your current financial situation. Your career or personal goals may change, and as a result your financial needs may have changed too. Let your mbt adviser review your financial plan to make sure you’re still on track to reach your goals.

Contact your mbt adviser today.