Superannuation:
- What provider/s manage your superannuation?
- What is the current balance/s?
- Do you know your member number/s?
- Do you have a valid binding beneficiary nomination in place if you were to pass away?
- Are there any insurances attached to your account?
Debt:
- Which provider manages each loan?
- What are the current outstanding loan amount/s?
- What is the interest rate on each loan?
- How much credit card debt has been accrued?
- How many credit cards do you have?
Savings/Income:
- How predictable is your spending?
- How consistent and secure is your income?
- What are the sources of your income?
- What is your current saving capacity?
- Do you have enough in your cash reserve for a rainy day?
- Are you generating a budget surplus?
- What is the current interest rate being charged?
Insurances:
- Do you know your policy number/s?
- How are you paying your premiums?
- What insurances do you have inside Super?
- What insurances do you have outside Super?
- What are your premiums costing you?
- What events you are specifically covered for?
- Do the cover amounts meet your needs?
Estate Planning:
- Do you have a current Will and when was it last updated?
- Have you nominated an Enduring Power of Attorney or Medical Enduring Power of Attorney?
- Where are the Wills and POA’s stored?
- Has the guardianship of your children been organised within your Will?
- Do you have any wishes or restrictions regarding the division of your estate?
Think about your goals:
- Build wealth and save for retirement?
- Pay off your mortgage sooner?
- Save for your children’s education?
- Save for a holiday?
- Protect and provide for those important to you?
My Financial Needs:
- Where I am today?
- Where would I like to be?
- Can I get there?
- How do I get there?
- How can I stay on track?