Starting Out (age 20-35)

You are: Early in your working career, wanting to enjoy your lifestyle and start to plan for a few things. Perhaps you havebought a house, in a relationship and perhaps have children.

Typical Concerns and Risks:

• How can I get a head start! Saving for house, car, wedding, holiday
• Getting a good mortgage and how to repay that debt as fast as possible
• Starting to save, investing 101
• Budgeting, as I feel I am wasting too much money
• How to protect your income if something happened and you couldn’t work. Who would pay your mortgage and look after you and your bills?
• How to beat the tax man to put more in ‘your’ pocket

Areas to Advise you in:

• Personal insurances (Life, TPD, Trauma and Income Protection).
• Finding a good mortgage and repaying it faster
• Budgeting and cash flow management
• Investing and Wealth Creation
• Reviewing super funds