Align Financial Planning Pty. Ltd

21/02/2019

A quick tip- if you home loan interest rate starts with a 4 then its time to contact me on 0403 145 139 to start saving on your loans. How much can you save? If you had a $500K loan with a variable interest rate of 4.5% then the savings would be approximately $4,000 per year. That's $40,000 over 10 years and pay your loan off years earlier.

29/07/2018

We are 1 month into the new financial year. Have you set a plan for the year to make a difference to your future, or will another year go by? Someone working full time will work 2,000 hours this year. Call Financial Planning now on 0403 145 139 and set aside 1 hour to discuss what you can do to make a difference to your future.

14/11/2017

Wow, it's 40 days to Christmas! A great time with family and friends but it can also be an expensive one. A great example of how planning ahead can make things easier is having a savings plan for this time of year. A separate account where you automatically set aside money every pay to build up during the year. Some institutions allow you to change the name of the account online and I don't know anybody who would dip into the "x-mas fund" during the year. Unfortunately, without a savings account set aside many people put the festive season costs on their credit card where interest charged can be very high.

Just a small tip as part of an overall plan but it does make a difference.

17/10/2017

At Align Financial Planning we know that our clients have financial needs outside of our services and that is why we have developed a strong network to ensure that these needs can still be met. This ranges from:

*Accounting needs;
*Business finance;
*Home loans;
*Business advisory;
*Equipment finance.

Our network has been vetted to ensure that, like Align Financial Planning, they provide the best solutions for clients.

26/09/2017

Many people ask me "What does a financial planner do?" In its simplest form we work out the best plan to achieve peoples goals for the future and ensure there is a safety net in place to cover for unexpected events that may impact on peoples health. Most clients I first meet have some sort of plan in place but it is not fully complete. On average it is only 50% effective. What a planner will do is refine a plan to maximise how well it works to achieving your goals. What does this mean for you? You may save tax, build wealth faster, save more or earn more with your funds. But what does this really mean? It means you will retire earlier, retire with a better lifestyle, clear your home loan faster, see more of the world, help your kids more or ensure you have financial security for your future or all of these.

A common question I ask people after working out where their plan is taking them is to ask what part of their current lifestyle will they be giving up when they retire. Why? It is because the plan that they have going forward will not provide the lifestyle they would like to have in retirement. They are going to fall short of their goal. So what are their options? They have three options being to work longer than they hoped for, retire at their goal age but with a lifestyle that is less than they hoped or review their plan NOW to avoid the other two options.

If you don't have a plan or don't know if your plan will achieve your goals then contact Jason at Align Financial Planning now on 0403 145 139 to make an obligation free appointment to see where you are heading financially and what your options are.

05/09/2017

Dare to dream, dare to set your goals and let Align Financial Planning be part of your team to help you get there. Even the longest journey starts with the first step and that first step is to start planning now for your future. You in retirement wants you now to take that step so call Jason at Align Financial Planning on 0403 145 139 to book a time.

18/08/2017

Until you put plans in place for your future your dreams for the future will stay as dreams. I am passionate in helping people put a great plan in place that is tailored to them and balances up their goals of today and tomorrow. You at age 60 wants you of today to start planning for your future and we at Align Financial Planning can help you put a great plan in place to get you on your way to achieving your goals. So call now on 0403 145 139 to make an obligation free appointment as your first step to financial freedom.

02/08/2017

One of the big surprises to me in over 15 years of financial planning is how many people wouldn't know the balance of their super fund within $10,000. Not only that but that they say that they don't have any insurance because they feel like they cannot afford it. Did you know that you can use your super fund to pay for insurance from a large range of different insurers? So to insure your family against a financial disaster if you were to die, become ill or injured, you are able to use your super to pay for the cover so that you have financial security and peace of mind. It is also possible to get a 15% tax rebate on the premium by using super. If you have worried about the impacts of ill health on you and your family but never done anything about it there is a better way. To make an obligation free appointment to discuss how to tailor a suitable solution for you, please contact Jason on 0403 145 139.

30/07/2017

Life's good, your plans are in place and you are on track to achieve your goals for you and your family. Excellent- well done on getting on the right path and taking action to secure your financial future. Have you protected the journey though? There is one further step that everyone should take though......

Do you have a safety net in place for the unexpected? If your income stopped two years ago would you still be in the same home as you are now? Would your kids be at the same school they are now? How much of your savings and hard work would be eroded rapidly? We have assisted many clients to set up a safety net of insurance and savings to avoid these issues. There are many options that can be tailored to you and we can help you make an informed decision about what would be best for your individual situation. Call Jason on 0403 145 139 to discuss how we can help.

30/05/2017

A safety net is a crucial part of any good Financial Plan.

How can we help? We can help you get on track with your debt reduction goals, discuss the different types of insurances and tailor an insurance solution to suit your particular needs.

Did you know that some insurances may be better to have inside of superannuation and you can use you super fund to pay for this? Most super funds allow you to make a payment from your super to cover some personal insurances. This is important for two reasons being that it reduce the impact on your month to month cash flow, and secondly it enables you to look at a far broader range of insurance providers and not be locked into your own super funds insurances that may be substandard in policy coverage or pricing. We have a very broad panel of insurers that we can seek excellent and well priced solutions for our clients.

If you have always thought that insurance was unaffordable then this maybe the solution for you to ensure you have your safety net in place.

So, if you feel that it is time that you set up, or review your own situation then please give Jason at Align Financial Planning a call on 0403 145 139.

12/05/2017

A full time employee will work 1,824 hours a year without overtime or commuting. If you work a 50 hour week then you will work 2,400 hours plus this year. Many give up time with their families, friends and social passions to do this. Is this sacrifice making a difference to your future or is it just the cycle that you are in? If you don't have a goal that you are working towards then you may be just running up and down the same field from year to year.

To take time out to invest in your future and build a plan, contact Jason at Align Financial Planning on 0403 145 139. You at 65 wants you to!!

09/05/2017

The Government released their Federal Budget last night so here is an overview of these changes. If you wish to discuss how these changes may impact you, please don't hesitate in contacting Jason at Align Financial Planning on 0403 145 139.

Pragmatism and fairness rule The 2017-18 Budget has much to make it popular. In fact, the goodies... http://eread.com.au/amp290711/52017