Accumulators (age 30-55)

You are: Working away to pay off the mortgage and trying to enjoy life at the same time.Perhaps you are married with financially dependent kids.

Typical Concerns and Risks:

• How to repay your debts faster and know you have the best mortgage for you
• What would you and your family do if you were to become ill, disabled or died.
• Cash flow management, where to utilise any cash flow surplus
• Tax minimisation
• Planned expenses – the best way to fund big costs like kids, house purchase, holidays, cars
• Thinking more about wealth creation
• Am I getting everything I can from Centrelink?
• Divorce – what happens now?

Areas to Advise you in:

• Personal insurances (Life, TPD, Trauma and Income Protection).
• Savings and Wealth Creation, including Gearing
• Investing, both outside and inside super
• Reviewing super funds, consolidating into the best one for you
• Cash Flow management and Budgeting
• Covering big expenses, kid’s education, holidays, cars, a home to buy
• Debt reduction and management. Refinancing to a better cheaper loan
• Tax minimisation
• Centrelink assistance