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PhoneIcon 02 4267 3100 (Thirroul)
EmailIcon planning@ksap.com.au

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