Financial planning for smart investment choices

It’s important to know what the best options are for you and your family. Financial planners (or advisers), provide personalised advice on investments, insurance, tax, superannuation, managing risk, and planning for your retirement.

Who can give financial advice?

To give advice on financial products, an individual or company must be authorised under an Australian financial services licence from the Australian Securities and Investment Commission (ASIC).

Other financial professionals like lenders, accountants or bookkeepers aren’t authorised to provide you with financial advice, unless they are licenced. They can provide factual information and general advice about products, but can’t cross the line to personal advice or recommendations.

The license process ensures you get access to independent, good quality information and advice about financial products.

How can a financial planner help?

A good financial planner understands your financial needs will evolve over time. By understanding your goals, they can help you get the most from your money with tax-effective investments.

Even if you know investment is the wise choice, it’s hard to know where and what to invest in. There’s hundreds of choices and combinations, it can be tough to know what’s right for you. Your investment choices include:

  • a share portfolio
  • superannuation and self-managed superannuation funds (SMSFs)
  • property
  • fixed interest or cash accounts
  • managed funds
  • exchange traded funds.

Good investment boosts health and wellbeing

According to research from our financial planning partner, Bridges Financial Services, seeing a financial planner boosts emotional, social and personal wellbeing. People who see a financial planner are:

  • 20 per cent more likely to have increased feelings of security regarding their day-to-day finances
  • 21 per cent more likely to have peace of mind with regards to their financial future.

Ready to make a financial plan?

Want to make the investment choices to achieve your financial goals? Talk to QBANK’s licenced financial planning partner, Bridges Financial Services. Contact QBANK or call us on 13 77 28.

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