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Finance Planning

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Advice, Age Care, Age Pension, Finance Planning

It is never easy to transition a loved one into aged care

Whilst dealing with this transition is overwhelming enough, deciding how to finance Aged Care long term, can be baffling and complex as legislation and entitlements change regularly, it’s often difficult to know your options.

Making wealth protection and financial management crucial when moving into aged care. With sound and reliable financial advice to seniors, pensioners and their families, along with the right team beside you, it is possible to achieve a more comfortable life in residential aged care.

This is achieved through navigating the many options available when it comes to financing aged care. Compassionate yet thorough, unbiased, detailed advice from our aged care financial advisers can help you save on fees associated with nursing homes and residential aged care.

We can also help you get access to new pension entitlements.

"Financial
Advice, Cashflow, Debt Management, Finance Planning, Superannuation

Financial Planning in Your 40s: Your Top 4 Priorities

It’s never a bad time to give your finances a health check. And if you’re hurtling towards middle age at what feels like breakneck speed, stop for a moment and consider the future.

The time spent on sound financial planning in your 40s could be one of the smartest investments you ever make.

Our 40s can often be when we feel a stronger sense of security, having years of experience behind us. So, read on to discover more about why giving yourself a midlife financial checkup is such a wise move.

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Finance Planning, PAC Financial

How to get the most out of your meetings with your financial adviser

To get the most out of your financial adviser, be prepared. Gather all the current information you have about your financial circumstances (and your partner’s), including:

  • Income: wages, salary, interest, rental income, government benefits and dividends
  • Expenses: household budget and expenses (such as food, clothing, telephone, internet and council rates) and lifestyle expenses (such as gym memberships and annual holidays)
  • Assets: your home, car or other assets of value
  • Debts: mortgage, credit card and loan repayments
  • Investments: statements from shareholdings, other investments and bank accounts like term deposits
  • Insurance: life, total & permanent disability (TPD), trauma and income protection policies
  • Superannuation: annual statements from your fund
  • Estate plan: Will and power of attorney
  • Professional advisers: your accountant and solicitor
"financial
Advice, Finance Planning, PAC Financial, Uncategorized

Why We Often Argue About Our Finances

Being in a relationship comes with its pros and cons.

When single it’s me, myself and I making the decisions. There would be very few couples who claim they never argue – some might say that would be boring anyway. The real disputes occur when the arguments are about finances and if they occur too often, it can become stressful and draining.
Today we look at the three main reasons couples argue about their finances. And how seemingly ‘irreconcilable’ differences might be handled.

"When
Finance Planning, PAC Financial

When Is the Best Time to Visit a Financial Planner?

Life can throw any one of us a curve ball. Just when we think everything is going swimmingly, a death, redundancy or unexpected expense can knock us sideways.

With these kinds of life events, financial challenges can come raining down.

But, even at times when we mundanely trundle through life, it’s well worth taking stock and giving our financial well-being a health check. It’s arguably as important to visit a financial planner in the good times. Forewarned is forearmed, after all.

Read on to find out the best times to get the benefits a financial planner can bring you for a brighter financial future.

"What
Finance Planning, PAC Financial

What To Look for When Choosing a Financial Planner

Our financial situation can ebb and flow like the tide. When we’re young and carefree, we tend to see pensions as a low-priority consideration. The career-minded may build up sizable disposable income over time.

It’s not unusual to have financial blips before retirement. Kids, mortgages, redundancy or sickness may all have an impact. Choosing a financial planner should involve getting all your bases covered no matter your time of life or the size of your bank balance.

Read on for the tips you need to find a financial planner who’s always going to be the right fit.

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