• You are juggling part-time work, study, exams, becoming an adult and of course student debt.

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• At the same time, you are supposed to be having fun, right?

• Your new payslip provides a passport to debt.

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• Consumer credit and finance can get messy, quickly.

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• Credit cards, store cards, payday loans, buy-now pay-later, car loans.

• Promotions, pay rises, company cars, employee share schemes.

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• Surplus Income.

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• Starting a business.

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• Building your network of advisors and supports.​

• Unexpected fertility treatment costs.

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• Maternity & paternity leave.

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• Child-care costs.

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• Quickly, your family grows.

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• You need a bigger house, bigger cars, a backyard.

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• Asset and income protection become a necessity.​

• Maximising superannuation contributions.

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• Children's higher-education costs.

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• Consolidation of existing liabilities and debts to simplify finances.

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• Reviewing insurance needs.​

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• The inevitable question: how much money do I need to retire?

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• Supporting family.​

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• You have graduated, sat through the interviews and landed your dream job. Now what?​

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• Tax deductions, health insurance, superannuation, savings.

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• Plus, you may want to also continue your studies.

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• You meet someone special.

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• Two financial lives become one.

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• Joint leases, bank accounts, debts.

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• Protection in break-ups.

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• ​Engagement, wedding, honeymoon costs.

• How to save for a deposit and what is your budget?

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• Government Assistance Schemes.

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• The buying-process.

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• Pre-approval, variable & fixed loans, offset accounts, interest-only, principle and interest.​​

• More responsibilities but less time for life-admin.

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• You rely more on professionals for advice and support.

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• You are able to pay down your debts.

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• Tax becomes a bigger issue as your income grows. Tax-minimisation and wealth creation through investment and asset structuring.​

• The bank of mum & dad.

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• Housing, relocation, down-sizing.

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• Increased health and maintenance costs.​

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• Changes to the risk-profile of your investments.

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• Your financial legacy. Your wills, powers of attorney, advanced medical directives, testamentary trusts & funeral costs.

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