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You should review your financial plan at least annually or whenever there is a significant change in your life, such as a new job, marriage, the birth of a child or receiving an inheritance. Regular reviews ensure your plan stays aligned with your goals.

It's best to start financial planning as early as possible. Early planning allows you to take advantage of compounding returns, gives you more time to adjust your plans to meet changing circumstances and goals, and ultimately leads to a more secure and flexible financial life.

A financial plan is crucial as it provides a roadmap for your financial future. It helps you manage your income more efficiently, reduces financial stress by providing a prepared approach to unexpected expenses, secures your long-term future and helps you achieve your financial goals.

It's advisable to consult with your superannuation adviser at least annually or whenever there are significant changes in your life or the superannuation regulations. Regular reviews ensure that your retirement planning stays on track.

No, superannuation guidance is beneficial for workers of all ages. Early advice can significantly impact the growth of your superannuation fund, giving more time for your investments to compound.

Look for a licensed financial adviser who specialises in superannuation. Check their qualifications and reputation. It's important to choose someone who understands your personal financial situation and retirement goals.

The amount of life insurance you need depends on your financial obligations and goals. Consider your income, debts, the standard of living you wish to maintain for your dependents, future educational expenses and any other financial needs.

Choosing the right life insurance policy involves assessing your financial situation, long-term goals and family needs. It's advisable to compare different policies and consult with a financial adviser to ensure you select a policy that offers the best coverage for your circumstances.

When naming a beneficiary, consider the financial needs and capabilities of those you plan to support, such as family members or dependents. It's also wise to regularly update your beneficiaries to reflect any changes in your family situation, such as marriage, divorce or the birth of a child.

Anyone who relies on their income to support themselves and their family should consider income protection insurance. It is particularly important for self-employed individuals, small business owners or anyone without comprehensive sick leave benefits.

The benefit period is the maximum length of time you will receive payments while unable to work due to illness or injury. Benefit periods can range from a few months to up until retirement age, depending on the policy chosen.

Factors that affect the cost of income protection insurance include your age, health, occupation, smoking status, the level of cover, the benefit period and the waiting period. Riskier occupations and lifestyles typically lead to higher premiums.

Using a financial adviser for share investing ensures you have expert guidance to navigate market complexities and volatility. They can help optimise your portfolio to align with your long-term financial objectives.

Yes, a financial adviser can help mitigate risks by diversifying your investment portfolio and implementing strategies like stop-loss orders to protect against significant losses. They monitor market trends and adjust your portfolio as needed.

It's advisable to meet with your financial adviser regularly, such as quarterly or biannually, to review your share investments. This frequency can vary depending on market conditions and personal financial changes.

Generally, accessing funds from a term deposit before the end of the term can result in penalties, such as reduced interest rates or fees. It's best to plan to not need access to these funds until the term completes.

Typically, you cannot add additional funds to an existing term deposit. If you want to invest more money, you usually need to open a new term deposit for the additional amount.

It's advisable to review your budget with a financial adviser regularly, typically every six months or whenever there's a significant change in your financial circumstances. This ensures your budget stays aligned with your current financial goals and needs.

A financial adviser brings expertise and objectivity to the budgeting process. They can identify opportunities and risks you might overlook, providing strategies to optimise your financial health and achieve your goals more efficiently.

Prepare a list of your income sources, monthly expenses, financial obligations and personal financial goals. Bringing documentation such as pay stubs, bills, and bank statements can also help the adviser give more accurate advice.

A lending adviser can help you navigate the complexities of home loans, compare rates from different lenders and secure pre-approval. They ensure you understand all your options and the associated costs, helping you make an informed decision.

Yes, a lending adviser can assess whether refinancing your current loan is beneficial. They compare the latest offers, calculate potential savings and help manage the refinancing process to ensure it aligns with your financial objectives.