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Australian Osteopathic Association 17
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WHERE AND HOW DO YOU START
The goal of any good financial plan is to achieve the lifestyle
First, know that a financial plan is not just a simple budget.
Your needs are unique and varied in this ever-changing and
complicated financial environment.
That's where a financial planner can be of greatest help.
They will work with you to understand your goals and then
create a plan to give you more freedom, flexibility and choice.
They'll look at:
• Your present lifestyle and ﬁnancial goals
• Your savings plan
• How you manage cash-ﬂow and ﬁnancing now
• Investment and income planning for wealth accumulation
• Your approach to risk
• Tax planning
• Retirement planning
• Protecting family and assets with insurance and estate
The plan alone can't guarantee success because it's an
ongoing process. You 'begin with the end in mind' by
visualising your ideal lifestyle; then design a roadmap to get
you there, using your planner as your navigator.
HOW TO KNOW IF AND
WHEN YOU NEED A
Who needs a professional financial planner? The simple
answer is everyone can benefit by leveraging the advice and
assistance of a financial planner.
However, the reality is that only two out of ﬁve people
seek financial advice. When they do, it's typically because
they're curious about what the process can do for them or
they're going into business, have received a lump sum from
an inheritance or financial settlement, purchased their first
property, or are thinking about retirement.
Seeking expert advice is important at any time in your life,
because a good financial planner demystifies financial jargon.
The best financial planners become your teachers, facilitators
and coaches, and work closely with you as you define, clarify
and reach your goals.
There may be trade-offs to achieve your dream, yet a
seasoned financial planner knows the right questions to
ask so you arrive at the right answers
for what's important for you.
CAN I DO IT MYSELF?
Yes, sure, but why would you want to? People tend to
outsource things they can't do or don't want to do. The fact
is that few people have the time or inclination to keep up
with every aspect of the financial world, let alone how to spot
trends and opportunities. A financial planner will give you
peace of mind and assure you of the best outcome.
You may in fact have a good handle on your finances, but
why would you want to 'play rookie'?
A good relationship with a financial planner will be infinitely
more beneficial than the fees you pay.
By seeking expert financial advice and adopting a structured
process, you are kept accountable and can measure your
progress. At all times you know what's really possible and you
create a higher certainty of achieving your goals. •••
By Michelle Tate-Lovery, Managing Director and Principal Financial
Adviser, CFP, BA (Hons), Dip FP, Unified Financial Services Authorised
Representative (235917) of Unified Financial Services Pty Ltd AFSL
230510, Money Management Financial Planner of the Year 2012, FPA
Best Practice Award CFP Professional Category 2012 -- Winner Vic and
national, AFA Finalist Adviser of the Year 2012 and AFA Finalist Female
Excellence in Advice 2011.
Any advice contained in this article is to be regarded as general
investment advice and factual of nature rather than personal advice.
In the spring issue of Osteo life, the article 'Focus on
private practice' incorrectly stated that "An employee
bears no financial risk or professional indemnity risk...".
All osteopaths must have professional indemnity insurance
as per OBA requirements. The editor apologises for any
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