Financial Planning
Financial planning means managing all aspects of your financial situation.
Managing finances is complex. And as the saying goes, ‘failing to plan is planning to fail.’ We provide a comprehensive financial planning service that brings together all elements of your financial profile. Our plans address:
- Risk insurances;
- Debt and debt management;
- Cashflow and income management;
- Career planning;
- Superannuation;
- Retirement;
- Aged care; and
- Estate planning
Each of these elements is important in its own right and making positive changes in any one area will provide substantial benefit. But the real benefits come when two or more of these elements are addressed together. That is when your financial profile really starts to sing.
Andrew Malins
Director
Andrew has 28 years of experience advising clients in small and medium enterprises and personal financial affairs. During that time, he has specialised in tax and business strategies, taking a holistic approach to the financial management of his client’s financial affairs, with a particular interest in investing and planning for retirement.
As well as being an Authorised Representative, Andrew is a registered Chartered Accountant, Tax Agent, public practitioner and a member of the Australian Institute of Management (AIM) and the Taxation Institute.
Andrew Malins is an authorised representative (330831) of Affinity Licensing Plus Pty Ltd (AFSL 553808).
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Financial Potential in Your 40s: Preparing for a Comfortable Retirement
The forties are often considered peak earning years, presenting crucial opportunities to maximise financial gains while preparing for retirement. This decade is ideal for boosting superannuation contributions, taking full advantage of concessional contribution limits to enhance retirement savings. Ensuring comprehensive financial protection through life, disability, and critical illness coverage becomes more important than ever. Maintaining a healthy work-life balance not only improves mental health and life satisfaction but also supports better financial decision-making. Additionally, this is an opportune time to begin estate planning and considering wealth transfer strategies, ensuring assets are distributed according to your wishes while minimising tax liabilities for heirs. By focusing on these key areas, you can solidify your financial future and secure a comfortable, stable retirement.
Financial Strategies for Your 30s: Balancing Wealth Building and Responsibilities
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Financial Fitness in Your 20s: Laying the Groundwork for a Secure Future
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The Journey of Financial Planning: A Life-cycle Approach
The lifecycle approach to financial planning recognises that financial priorities shift from managing debt in early adulthood to wealth accumulation in mid-life and retirement planning in later years. By aligning financial strategies with your current life stage, you can create a more responsive and personalised plan that ensures financial stability throughout your lifetime. Whether you're just starting your career or approaching retirement, understanding and implementing a lifecycle approach can help you approach financial challenges more effectively and secure a comfortable future.