You may already have Kiwisaver, insurances, mortgage and loans borrowings or investments; but are they still fit for purpose? Perhaps you’ve come into some money that requires guidance from an experienced investment adviser. Maybe you want to buy your first home or are thinking about investment property, but aren’t quite sure what you need to do to achieve that? Whatever your financial dilemma is, get Smart financial advice, to keep you moving closer to your goals.
Even if you have a financial plan or retirement plan, regular reviews should be mandatory. We provide these annually as part of our ongoing commitment to you.
Comprehensive Financial Advice
This is a bespoke service which ranges from assessing whether something you have in mind is a good idea to a full review of your current financial plan or retirement plan.
WHY FINANCIAL REVIEWS ARE IMPORTANT
- Assess your progress
When it comes to finances, a lot of the progress you’ve made may not be directly obvious. It’s important not to overlook the journey so far to assess what’s working well for you and what isn’t so much.
- Rebalance matters
Personal and wider economic changes are inevitable and your financial plan needs to be responsive – your risks may have changed or the performance of your financial instruments could be better optimised. Keeping the balance right requirements regular re-adjustment.
- Re-define your goals
Short-term goals that have been achieved are likely to be replaced with some fresh goals. Does your plan support these? With continuing goals, are the time-frames previously set still relevant? Has something happened in your life that means you have a new long-term goal to plan for? Financial plans that work towards outdated goals are not going to deliver the results your need or want. Update your goals regularly.
- Maintain peace of mind
In the same way we might go back and double check whether we left the heater on or locked the car door after all; we need to revisit our financial plan or retirement plan from time to time for the reassurance that checking gives. It’s important to have confidence in your plan, otherwise why would you follow it?
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