Young Professionals (30’s & 40’s)

Career focused and earning a good income. Typically, high debt levels due to a home loan and spending habits are usually centered on your lifestyle and loan repayments.

This is the time to focus on building wealth by investing some of your income and getting on top of your loan repayments. As such, your financial challenges will be centered around:

setting financial goals
investing surplus income
reducing tax
building your investment portfolio
adding to your investment property portfolio or purchasing an investment property
managing your debts and borrowings
protecting your income
having adequate life insurance
making sure your superannuation is in order

Getting the right financial advice and using your income efficiently to build wealth is vital at this stage of your life. This will allow you to invest and grow wealth whilst enjoying your current lifestyle.

Speak to a Financial Planner

WHEN IS THE RIGHT TIME TO SEE A FINANCIAL PLANNER?

We can all benefit from financial advice, the sooner you start building wealth & securing your financial future the better… but you should certainly consider seeking financial advice BEFORE these key times… so that you can make smarter money choices.

Some key times to consider getting advice are before you:

Get a promotion or change jobs
Buy a home, upgrade your home or sell your home
Buy or sell an investment property
Refinance loans
Start to invest in shares, managed funds or cash
Start a savings plan
Start a Family
Receive an inheritance
Receive a redundancy

Book a FREE 1-hour wealth building meeting

The sooner you start planning, the more likely you will achieve your financial goals and the better off you’ll be in the future.

To start growing your wealth contact us and speak with your local Gold Coast Financial Planner today.

Our Blog

5 Reasons to Take Your Personal Insurance More Seriously

As we move through life, find a partner, raise a family, and maybe start a business, the importance of insurance in a long term plan increases. That's because insurance is all about providing a financial safety net that helps you to take care of yourself and those you love when you need it most. Here are 5 reasons why insurance matters: 1. Protection for you and your family Your family depend on your financial support to enjoy a decent standard of living, which is why insurance is especially important once you start a family. It means...
Centrelink Age Pension: New Asset Test Rules 1st Jan 2017

Assets tests and the aged pension: do new rules affect you? If you need to live in residential aged care it’s likely you will need to pay aged care fees to cover the costs of your care and accommodation, which will be based on your assets and income. Your social security pension entitlements are generally included when calculating your income. There will be changes to the way the aged pension is calculated from 1 January 2017 and these changes may affect your ongoing aged care fees. It’s important to understand how these changes may...
Trump: Pump and Slump?

The prospect of Donald Trump as US President seemed like a fantasy only a year ago, and yet, here we are today watching a Clinton v Trump election race. The uncertainty around Trump means Australia, and the world, are taking a closer interest than in the past. Betting markets place Trump at a 25% chance of winning, but he held a narrow lead in the polls only a month ago. We consider what a Trump presidency could mean for the global economy and markets. How did we get here – the Trump card Globalisation and deregulation has boosted...
6 ways women can make more of their super

Women have to work their superannuation investments harder to help improve their retirement income. Lower salaries and time out of the workforce to raise families leave women with less than half the retirement savings of men, according to a recent ANZ study. A Senate inquiry is underway to examine the problem but in the meantime, how can women make the most of what they’ve got? 1. Use just one super fund If you’ve worked for several different employers who have paid your compulsory super contributions into different funds, consolidate...
Investing for your Children’s Future

Give your kids a great start in life. Wouldn't it be nice to give your child $41,600* on their 18th Birthday? That's a nice deposit on a home, or a new car, or a wedding paid for, or simply a great financial head start in life! All it takes is to invest as little as $20 per week. Investing is easy. Our experienced financial planner's can help you set up an online investment account today that is tailored for you and your family. Invest as little or as much as you like (with a minimum of $20 per week), retain full access to...
Super – Have You Got Enough?

Have you ever considered how you will fund your retirement? Like many Australians you may contribute regularly to your superannuation fund, but have you actually determined how much you will need to survive once you stop working? Waiting until you retire to do the sums is leaving it too late. There are a few questions you can ask yourself to help decide how much you are going to need to have in your super account. A general rule of thumb is that when you retire, you will need about 2/3 of your current income to be able to comfortably make...
Protecting your Lifestyle in the Face of Disaster

Like many people, you probably work hard and enjoy the benefits of a comfortable lifestyle as a result. Have you ever considered what would happen if you were unable to work, or if your finances were adversely affected by an unforeseen disaster? Don’t let all your hard work go for nothing – take steps to protect your family’s future. Insurance is the best way to protect your lifestyle and help ensure that no matter what happens in the future, you and your family will still be able to enjoy the standard of living you are used to. In...
Investing for Income

You’ve worked hard to build your wealth and now it’s time to make your money work hard for you. Here’s a step by step guide to build a plan to help you maximise the income you receive from your investments. Step 1 - Choose your structure(s) For most people, the structures they hold their investments in will have the greatest impact on the amount of income they receive. The structure you use (such as superannuation, account-based pension, annuity or family trust) will determine the amount of tax you pay or, if you are retired, the...
Financial Management for Gen Y

Wealth management and planning for the future is not just for married couples and older people. Planning for the future while you are still young can have a lot of benefits for you in the long term, particularly when it comes to your retirement. According to the Australian Bureau of Statistics (ABS), in 2006, 31% of young people in their twenties were still living with their parents, mainly for financial reasons. Making an early start on planning your financial future can help you achieve financial independence sooner, purchase a property...

Testimonials

It’s great to have a company, like Oak Tree Financial Planning, that really care about you . Big or small, their commitment is the same. Such a great feeling to be able to trust that they are honest and trustworthy. Highly recommended! ...
-Kate and Brian, Gold Coast QLD, Nov 2017
The personal and professional manner in which Daniel Miklos from Oak Tree Financial Planning conducted our annual financial reviews has been a refreshing experience compared to other financial institutions. We have referred Oak Tree Financial Planning to others. They too have been impressed with the professional and caring way Daniel has ...
-Phyllis and Ed, Central Coast NSW, July 2017
Daniel, from Oak Tree Financial Planning, has been supporting us with financial advice for 4 years now and he has been absolutely professional, supportive, timely and all round has helped us achieve our financial goals. ...
-Maria and Allan, Bribie Island QLD, Oct 2017
I have been doing business with Daniel and the team at Oak Tree Financial Planning for the last two years, and I am very happy with their services. ...
-Julie, Hastings Point NSW, Oct 2017
Highly recommended Daniel and Karen and their team from Oak Tree Finanical Planning. Their honesty, professionalism and financial planning skills has been so valuable to our family. They will help you asses your current financial position and work with you to achieve your goals for the future and build your ...
-Tahlia and Cory, Tweed Heads NSW, Sept 2017
Daniel, thank you so much for all your help with our financial advice. We definitely value all the advice you have given us and have loved dealing with Oak Tree Financial Planning. I would definitely recommend your services to others. ...
-Anna and Adam, Brisbane, Feb 2015
We are extremely happy with the service that Oak Tree Financial Planning has offered us. Within 3 years they showed us how we could afford 2 investment properties without it affecting our current lifestyle. I don’t think we would be in our current position without their help. They took the time ...
-Lloyd and Michelle, Canberra ACT, Sept 2015

ENQUIRE WITH US TODAY!

Call for a FREE Initial Consultation

07 5599 1662

Young Professionals (30’s & 40’s)

WHEN IS THE RIGHT TIME TO SEE A FINANCIAL PLANNER?

Blog Categories

Our Blog

5 Reasons to Take Your Personal Insurance More Seriously

Centrelink Age Pension: New Asset Test Rules 1st Jan 2017

Trump: Pump and Slump?

6 ways women can make more of their super

Investing for your Children’s Future

Super – Have You Got Enough?

Protecting your Lifestyle in the Face of Disaster

Investing for Income

Financial Management for Gen Y

Testimonials

ENQUIRE WITH US TODAY!

Call for a FREE Initial Consultation

07 5599 1662

Young Professionals (30’s & 40’s)

WHEN IS THE RIGHT TIME TO SEE A FINANCIAL PLANNER?

Blog Categories

Our Blog

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