How a financial planner can help you change your life

Many people are re-assessing their lives right now, which is a fairly natural response to the global pandemic. If you’re considering a big change, it’s a good time to talk to your financial planner.

By Julie Nipperess

Happy girl rides into the sunset in vintage car

‘Tree changes’, ‘sea changes’ and complete ‘reinvent-my-life’ changes are pretty popular right now.

After last year’s lockdowns and missed chances to celebrate milestones and special occasions with friends and loved ones, many people are re-assessing their priorities. Others have found themselves in circumstances that are facilitating change.

Certainly, growing work-from-home opportunities are making it easier for people to think about leaving the suburbs and the cities and moving to regional areas.

For others, the pandemic has been a time to slow down and really think about whether their current careers make them happy. Or whether there are other dreams they want to pursue. If you’re finding yourself re-assessing your life plans, then good for you!

Just make sure you talk to your financial planner before you make a big decision.

Your planner can help you navigate the changes that you’re planning, and help you figure out the best way forward.

Woman with surfboard on a beach at sunset

Following your dreams


Most people think financial planners only want their clients to save for retirement. And while that is a critical aspect of what we do (trust me… you do not want to be 75 years old with no prospect of gainful employment and running out of money to keep the lights on), we’re also committed to ensuring that your finances support your desires.

So, is it time to sell up and move? Time to buy property? Time to work part-time and undertake further study? Time to change careers? Take a nice long break? Start a business? Retire early?

Whatever you’re considering, we can help you put the finances in place to support it. We’ll help you assess where you’re at, where you want to be, and map a pathway to help you get there.

Beautiful craftswoman making clay bowl in pottery workshop

Life is for living


Of course, saving for a rainy day, and proactively managing your superannuation is important, but at Step Up, our philosophy is more than that; it’s about helping you to turn your dreams into goals, to live your best life now, whatever that means to you.

If you are considering a big life change, then the important thing is not to be impetuous in terms of your finances. Quite simply… don’t take crazy risks! … Understanding the cost of your life change, in both the short and long-term, is a vital first step to pursuing it.

If last year taught us anything, it is that life can be unpredictable. So it’s important to think through the financial implications of your decisions and make sure you prepare yourself… with enough money to pay the bills, with some tucked away for a rainy day and with some saved up for retirement. There’s personal insurance to consider, too.

Woman and dog warm near campfire in forest

Protect yourself financially


There is potential for massive rewards when you have the courage to take a big leap into the unknown, but it’s naive not to also think about the potential for setbacks, or even failure. This isn’t pessimistic, it’s sensible. As the farmers say, “You can’t put the feathers back on the chook!”

If things don’t work out, you need to ensure that you’ve protected yourself financially.

Change can be really positive, and none of us are here just to stay in a ‘work-eat-watch tv-sleep cycle’ our whole lives and then look back one day with regret.

So, if you’re ready to shake things up, then talk to us. Because my bet is that whatever you want to do, you’re going to need money to do it. And we’re here to help, every step of the way.

This is general advice and should not be treated as personal advice. Julie Nipperess is an authorised representative of Step Up Financial Group Pty Ltd ASFL No: 512509.

Need more information? Get in touch with Step Up Financial


    • 107 Moulder Street,
      Orange, NSW 2800

      PO Box 2499
      Orange, NSW 2800

    • (02) 6362 5445