FAQ’s
What is Financial Planning?
Financial planning incorporates many different areas, starting with assessing your current situation, your needs and future objectives with a view towards helping you to be in the strongest possible financial situation. We will make recommendations that will protect your wealth, reduce your tax, repay you debts, and provide for your future.
How important is having a budget?
A budget helps us to gain an understanding of the type of person you are. Knowing your income and expenditure is critical to our work. It also takes the stress out of a household and gives you a goal of how much you think you can save. (that is if all parties agree, and are committed to making it work!)
What is ‘bad’ debt and what is ‘good’ debt?
Bad debt is personal debt that has been used to purchase assets that you won’t make a profit from. For example, credit card debt or a car loan. We even class a home loan as a bad debt as you can not claim a tax deduction on the interest repayments. Good debt, on the other hand, is debt that we use to make money. Such as a debt taken to purchase a share portfolio. The interest on this debt is tax deductible and the investment should produce income and growth returns.
What is Timeless Investing?
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Life and Income Protection
You can rely on Invest4life to:
- analyse your financial risks
- design a balanced life insurance program
- help you choose the right cover at the right price.
Consider this:
- few of us would drive a new vehicle out of the showroom or buy a home without insuring it, but when it comes to life and income protection insurance many of us think “It’ll never happen to me”. Unfortunately statistics show us that it not only can - it almost certainly will
- thanks to modern medicine, we’re living longer, healthier lives. But when we fall ill, the financial impact of medical bills and loss of income can be more distressing than the illness itself
- life, total and permanent disability, income protection, and trauma insurance are some of the most valuable assets that a family can own.
The unexpected can happen - sometimes good, sometimes bad. It’s the difficult times that we want to help you plan for.
Choosing a competitive life insurance product is not the challenge, choosing the appropriate cover to suit your needs can be. Our advisors are skilled in analysing your financial risks - they can tailor a balanced program of income protection, trauma, and life insurance that suits your requirements and your family budget.
You’ll have peace of mind knowing you and your family are financially secure no matter what happens.
Solutions for Your Secure Financial Future
You have built a successful career in your chosen field. Now, with the help of Invest4life, you can build a comprehensive financial plan that will help you reach your future financial goals.
Invest4life is able to provide a total financial solution - a financial plan that encompasses all the elements of a total financial plan, including superannuation, investments, and other assets.
Our specialists will provide you with a snapshot of where you are now and a plan for getting to where you want to be in retirement.
- will your current superannuation get you to where you want to be?
- should you consider topping up your current level of contributions?
- should you change the funds in which you invest?
- do you have the right balance in your total savings plan (super, other assets and investments)?
- what are the most effective ways of structuring your debt - deductible or non-deductible?
We leverage our global research capabilities to give advice that will meet your personal needs and objectives. And, as Invest4life is not owned or controlled by a bank or financial institution, you can be confident that our advice is based only on your needs.
Superannuation Services
Today, superannuation is the most critical investment facing most Australians. Supporting ourselves in retirement whilst maintaining a desired standard of living is the fundamental issue.
Our superannuation services can provide you with a number of solutions for accumulating and maintaining a benefit in retirement.
Selecting the most appropriate superannuation fund for your needs is also critical.
We leverage our global research capabilities to give you advice that will meet your own personal needs and objectives. And, as Aon is not owned or controlled by a bank or financial institution, you can be confident that our advice is based only on your needs.
