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BSB 805 050

Get a financial plan

Get expert advice to be sure you’re on the right track.

Your financial future

It's never too early, or too late

Start planning for your financial future today. Financial planners are a resource to help you achieve fiscal success for the long term.

Everyone has different financial resources, lifestyle needs and personal aspirations, so the right kind of advice can really make a big difference

You can work together with your planner to determine your individual needs and goals for the short, medium and long term. Through goal-setting, you and your planner can construct a ‘road map’ of where you’re heading in life and all the stops you want to take along the way.

What’s in a financial plan?

What to expect in your plan

What to expect in your plan

Financial planning can help you identify, and plan to achieve, your financial goals so you can enjoy the lifestyle you want and can include:

  • budgeting
  • tax planning
  • investments
  • aged care planning
  • estate planning
  • superannuation
  • life and risk insurance
  • Government benefits you may be eligible for.

A good financial plan will help you assess your current circumstances, identify your goals and priorities, and will recommend financial strategies and products to make these dreams come true.

Plan for the best but prepare for the worst

Planning can help prepare you financially for the worst circumstances, the unfortunate side effects of life and the inevitable costs – and even help you grow your wealth in the face of all this adversity.

Better safe than sorry

Unexpected illness, injury or redundancy, can quickly and dramatically change your financial circumstances and derail your financial plans and those of your family. Part of any good financial plan is ensuring measures are in place to protect your wealth if something unexpected should happen so you can be better prepared to support yourself and those depending on you.

Tax tips

Getting the most from your investments may involve getting clever with your tax strategies. Income splitting, salary sacrificing to superannuation or tax effective investments could become part of your financial plan to boost your return come June 30 each year, and could make a big long term difference. 

Debt is not a dirty word

Debt is not all bad, all the time. A good financial plan can help you deal with debt so you get the greatest return and may include strategies like debt consolidation or increasing the frequency of your mortgage payments.

As time goes by…

All in the family

As your family circumstances change, your financial plan should change too.

The arrival of a new family member, children leaving the family home, illness or injury may prompt a review of your financial plan. 

Get ready for retirement

The savings you will need to fund your retirement should be part of your financial plan as well as strategies that will deliver the income you need along the way.

Financial planners can give advice on superannuation strategies, any applicable government pensions you may be eligible for and plannng to move into aged care. 

Time to get financially fit?

Being financially fit is about making sure all aspects of your financial
situation are in order.

If you’re ready to give your finances a work out with one of our
Financial Planners, we’d love to hear from you. The first
consultation is complimentary, and without obligation,
so enquire online or call 1300 132 982 today.

Enquire online

hi…

Please call us on 1300 132 982 from 9am - 5pm, Mon – Fri (ACDT) to arrange for a Financial Planner to contact you. Alternatively you can enquire online.

The information above is not intended to constitute financial advice and does not take into consideration your personal objectives, financial situation or needs. Before deciding whether a financial product is appropriate for you, you should obtain and consider the Product Disclosure Statement (PDS) for the product, and all other relevant documents, and consider obtaining financial advice. You can speak with a People’s Choice Financial Planner to obtain further information, financial advice or copies of the PDS for any financial product we distribute or make available. Contact us on 1300 132 982, or email fpsupport@peopleschoicecu.com.au to make an appointment.

People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 (People’s Choice), acts under its own Australian Financial Services Licence (AFSL 244310) and Australian Credit Licence (ACL 244310). In Western Australia, our Financial Planning is provided through Financial Solutions Australasia Pty Ltd ABN 36 008 939 599 AFSL 244308 (Financial Solutions), a wholly owned subsidiary of People’s Choice. Financial Solutions is not an authorised deposit-taking institution and its obligations do not constitute deposits or liabilities of People’s Choice and are not guaranteed or supported by People’s Choice.

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