The Tangible Value of Financial Advice

Benefits from Having More Time

Benefit of solid, comprehensive  financial foundation	Cost of inadequate financial management
Retiring from full time work one or more years earlier than everyone else	Having to work longer than you want to and past the point of enjoyment because you cannot afford to retire. (Recognise any grumpy seniors in your office who you just wish they’d retire?)
Maintaining an enjoyable lifestyle AND actively creating financial independence	Spending lots but not saving much and therefore chained to a job.

Benefits from Saving Money

Benefit of solid, comprehensive  financial foundation	Cost of inadequate financial management
Saving thousands of dollars in tax
Saving thousands of dollars in loan interest and repaying all of your personal debts earlier	Having the bank own part of your home, car and your salary for years longer than they should.
Saving 20-30% p.a. on insurance premiums with a fee based adviser who rebates commissions	To be honest, without an adviser you probably wouldn’t be paying premiums. That leaves you with the intangible cost of walking a tightrope without a safety net

Benefits from Making More Money

Benefit of solid, comprehensive  financial foundation	Cost of inadequate financial management
Earning extra on your superannuation with little effort – potentially adding around $100,000 to your retirement savings for every 1% p.a. net gain.	Paying 1%-2% p.a. more investment fees than you should. Earning less investment return that you should (often 1-2% p.a.)
Earning an extra 5-6% p.a. on your cash savings	Building the bank’s profits by 5-6% p.a.
	Still waiting, waiting, waiting until your circumstances change and you can start saving & creating wealth. (This could be you if you ever catch yourself thinking “I’ll start investing when...”)
Receive a higher level of Age Pension and/or other relevant Centrelink benefits	Missing out on benefits that your friends are getting