Securing your financial future:
Considered phase two of the wealth journey, individuals aged between 45 – 65 years are generally well into asset accumulation, have some level of share portfolio, and are established in their careers or coming into retirement. Household debt tends to be manageable, savings have begun to look healthy, and superannuation balances have tipped into the six-figure category.
Future financial stability
The thought of financial stability after we have finished our working life is etched in our minds much more than in our 20s and 30s. This period is an opportunity to make significant gains in financial planning for the future. We have equity to use, generally higher and more disposable income to invest, and greater motivation to change our economic lifestyle.
Retirement planning in our mid to late 40s and beyond is more accessible than expected. Starting with a clear set of expectations, the team and Step Up Financial Group & AFPG can develop a financial plan to help you reach your goals.
Grow your wealth with certainty
Having a plan creates a level of certainty, and planning for financial growth is one of the most important things individuals should be doing during their mid-40s and beyond.
Growing wealth and maturing your asset stock requires planning and often involves professional guidance. Side-by-side professional and qualified financial planners and advisors are essential in defining your short-term and long-term financial objectives, creating budgets to manage expenses and optimising cash flow.
We help clients develop a diversified investment portfolio aligned with their risk tolerance and goals and develop strategies to ensure our clients have enough savings and investments to maintain their desired lifestyle in retirement, including advice on superannuation.
We help clients minimise tax liabilities by optimising tax-efficient investment strategies and taking advantage of available tax deductions and credits and assess clients’ insurance needs, including life, health and income protection insurance, to mitigate financial risks.
Right now is the perfect time to start planning for your retirement.
Financial strategies for success
A key strategy for financial success is creating and sticking to a budget. A well-structured budget helps you track your income, expenses, and savings, enabling you to make informed decisions about allocating your resources. At Step Up Financial & AFPG, we help highlight areas where you can cut unnecessary spending and redirect those funds toward your financial goals.
Enjoy every stage of your journey
We assist you with diversifying your investments to mitigate risk and maximise potential returns that align with your risk tolerance and time horizon. We educate you about personal finance and staying up-to-date on economic trends in a way that makes controlling your finances something you want to do rather than have to do.
By setting clear and achievable financial goals, whether it’s saving for retirement, buying a home, or paying off debt, having specific objectives helps you stay focused and motivated.
Here at Step Up Financial Group & AFPG, we’re fiercely proud to be helping people secure their financial future.
Our deep understanding of the region and its people means we can offer you a unique outlook and a tailored financial plan.
How we help you
As fully qualified, experienced financial planners, we can help you understand and manage your financial independence more effectively.
We are a full-service financial planning firm that specialises in expert advice on budgeting, debt management, superannuation, retirement planning, asset financing, direct share portfolios and research, investing strategies, personal and business insurance, estate planning and aged care advisory.
Regardless of your current life stage, sourcing professional financial planning advice will make a positive difference.
Making it happen
Financial independence is the catalyst that makes goals a reality. It empowers you to make choices based on your values and desires rather than being constrained by financial limitations. It provides a safety net, reducing anxiety and stress about unexpected expenses or emergencies. This peace of mind allows you to focus on personal and professional growth, knowing that you have the resources to weather life’s challenges.
Our years of experience in the region mean we can integrate financial planning advice and investment management to develop targeted strategies for each customer and their unique experiences.