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PhoneIcon 02 4267 3100 (Thirroul)
PhoneIcon 02 9531 8700 (Miranda)
FaxIcon 02 4268 1006 (Fax)
EmailIcon planning@ksap.com.au

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