{"id":135,"date":"2019-09-11T18:42:46","date_gmt":"2019-09-11T15:42:46","guid":{"rendered":"http:\/\/e-merald.com\/themes\/benchmark-wp\/?page_id=135"},"modified":"2019-09-14T14:57:32","modified_gmt":"2019-09-14T11:57:32","slug":"how-we-can-help","status":"publish","type":"page","link":"https:\/\/e-merald.com\/themes\/benchmark-wp\/what-we-done\/how-we-can-help\/","title":{"rendered":"How We Can Help"},"content":{"rendered":"\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-white-bg stripe-right stripe-arrows-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-135-0\"  class=\"panel-grid row\"  data-cells=\"1\"  data-grids=\"4\" ><div id=\"pgc-135-0-0\"  class=\"panel-grid-cell col-sm-12 columns\"  data-cells=\"1\" >\n\n<!-- Text Block -->\n<div id=\"panel-135-0-0-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child\" data-index=\"0\" >\n<p class=\"lead-text-medium text-primary-color\">Financial planning isn't just about making money \u2014 it's about creating new opportunities to reach your goals.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n\n\n<!-- Divider -->\n<div id=\"panel-135-0-0-1\" class=\"so-panel widget widget_benchmark-divider widget-divider\" data-index=\"1\" >\n<div class=\"small-bar colored-bar margin-bottom-30px\"><\/div>\n<\/div>\n<!-- end Divider -->\n\n\n<!-- Text Block -->\n<div id=\"panel-135-0-0-2\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-last-child\" data-index=\"2\" >\n<p>The aim of financial planning is more than just managing your savings and investments. It's about helping you plan for a future lifestyle that is as good as it can possibly be. You work hard so why not make sure your money is working as hard as you are.<\/p>\n<p>Whether you are in your <em>carefree 20s<\/em>, <em>consolidating 30s<\/em>, <em>comfortable 40s<\/em> or <em>cruising 50s<\/em>, the advice of a professional financial planner can be critical in helping you achieve your financial goals by developing a strategy that will work for you.<\/p>\n<p><strong>A financial planner is your financial coach<\/strong> who will assist you in deciding what you want to achieve and set strategies to help you reach your goals.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg stripe-geometric-bg-left\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-135-1\"  class=\"panel-grid row\"  data-cells=\"1\"  data-grids=\"4\" ><div id=\"pgc-135-1-0\"  class=\"panel-grid-cell col-sm-12 columns\"  data-cells=\"1\" ><div id=\"panel-135-1-0-0\" class=\"so-panel widget widget_siteorigin-panels-builder panel-first-child panel-last-child\" data-index=\"3\" ><div id=\"pg-w5d7cd5ac63f71-0\"  class=\"panel-grid row\"  data-cells=\"1\"  data-grids=\"2\" ><div id=\"pgc-w5d7cd5ac63f71-0-0\"  class=\"panel-grid-cell col-sm-12 columns\"  data-cells=\"1\" >\n\n<!-- Text Block -->\n<div id=\"panel-w5d7cd5ac63f71-0-0-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child\" data-index=\"0\" >\n<h2 class=\"margin-bottom-50px\" style=\"text-align: center;\">How financial advice can help you<\/h2>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div><div id=\"pg-w5d7cd5ac63f71-1\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"2\" ><div id=\"pgc-w5d7cd5ac63f71-1-0\"  class=\"panel-grid-cell col-sm-4 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-w5d7cd5ac63f71-1-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child align-only-xs-center width-280px\" data-index=\"1\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"360\" height=\"360\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture11-360x360.jpg\" class=\"img-round\" alt=\"Picture 11\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture11-360x360.jpg 360w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture11-150x150.jpg 150w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n\n\n<!-- Gap -->\n<div id=\"panel-w5d7cd5ac63f71-1-0-1\" class=\"so-panel widget widget_benchmark-divider widget-divider panel-last-child\" data-index=\"2\" >\n<div class=\"gap margin-bottom-50px\"><\/div>\n<\/div>\n<!-- end Gap -->\n<\/div><div id=\"pgc-w5d7cd5ac63f71-1-1\"  class=\"panel-grid-cell col-sm-8 columns\"  data-cells=\"2\" >\n\n<!-- Feature List: dot marker -->\n<div id=\"panel-w5d7cd5ac63f71-1-1-0\" class=\"so-panel widget widget_benchmark-feature-list widget-feature-list panel-first-child panel-last-child offset-sm-left-30px\" data-index=\"3\" >\n\t\t\t\r\n\t\t\t<div class=\"feature-list dot-list\">\r\n\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">ACHIEVE YOUR GOALS AND BECOME FINANCIALLY SECURE<\/h5>\n<p>Design a plan that saves and helps your money grow. Protect your wealth and look forward to the future with confidence.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">GET A BETTER WORK-LIFE BALANCE<\/h5>\n<p>Achieve the freedom to work because you want to, not because you have to.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">BECOME DEBT FREE<\/h5>\n<p>Pay off your home loan and other borrowings faster \u2014 and make debt work for you, not the other way around.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">INVEST FOR YOUR KIDS&#039; FUTURE<\/h5>\n<p>Make sure you can give your kids the best possible start in life.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">DISCUSS STRATEGIES TO REDUCE TAX<\/h5>\n<p>Use legitimate strategies to reduce tax payments.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">RETIRE IN COMFORT<\/h5>\n<p>Retire when you're ready and enjoy a retirement lifestyle that's worth looking forward to.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\t\t\t<article class=\"clearfix\">\r\n\t\t\t\t\t\t\t<div class=\"box-icon secondary-color-bg\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-text\">\r\n\t\t\t\t\t\t\t\t<h5 class=\"title text-primary-color\">MAKE THE MOST OF YOUR SUPER<\/h5>\n<p>Learn how you can make the most of your superannuation opportunities.<\/p>\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/article>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t\r\n\t\t\t<\/div>\n<!-- end Feature List -->\n<\/div><\/div><\/div><\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-white-bg stripe-fullwidth stripe-geometric-bg-right\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-135-2\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"4\" ><div id=\"pgc-135-2-0\"  class=\"panel-grid-cell col-sm-4 col-sm-push-8 columns\"  data-cells=\"2\"  data-ordering=\"swap-cols-sm\" >\n\n<!-- Single Image -->\n<div id=\"panel-135-2-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child align-only-xs-center float-sm-right width-280px\" data-index=\"4\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"360\" height=\"360\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture14-360x360.jpg\" class=\"img-round\" alt=\"Picture 14\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture14-360x360.jpg 360w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture14-150x150.jpg 150w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-135-2-1\"  class=\"panel-grid-cell col-sm-8 col-sm-pull-4 columns\"  data-cells=\"2\"  data-ordering=\"swap-cols-sm\" >\n\n<!-- Text Block -->\n<div id=\"panel-135-2-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-sm-right-30px\" data-index=\"5\" >\n<p class=\"lead-text-large margin-bottom-15px\">Financial advice can make a big difference at every stage of life.<\/p>\n<p class=\"lead-text-basic text-primary-color-pale\">No matter what stage in life you are at it is never too early or too late to start planning for your goals and objectives and protecting what you have or what you may have in the future.<\/p>\n<p class=\"remove-bottom\"><strong>Benchmark Strategic advisers support clients through their <span class=\"text-secondary-color\">changing life stages<\/span>.<\/strong><\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg stripe-no-padding\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container-fluid\"> <!-- full-width Container -->\n\n<div id=\"pg-135-3\"  class=\"panel-grid row\"  data-cells=\"1\"  data-grids=\"4\" ><div id=\"pgc-135-3-0\"  class=\"panel-grid-cell col-sm-12 columns\"  data-cells=\"1\" >\n\n<!-- Tabs: full-width -->\n<div id=\"panel-135-3-0-0\" class=\"so-panel widget widget_benchmark-tabs-fullwidth widget-tabs-fullwidth panel-first-child panel-last-child\" data-index=\"6\" >\n\t\t\t\r\n\t\t<div id=\"tabs-fw\" class=\"tabs-full-width nav-primary-color-bg\">\r\n\t\t\t\r\n\t\t\t<!-- Tabs Navigation -->\r\n\t\t\t<nav class=\"tabs-nav\">\r\n\t\t\t\t\r\n\t\t\t\t<!-- Stripe section -->\r\n\t\t\t\t<div class=\"stripe stripe-narrow stripe-primary-color-bg dark-colored-bg\">\r\n\t\t\t\t\t<div class=\"stripe-upper-bg\"><\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t<div class=\"container\"> <!-- Container -->\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t<div class=\"row\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<div class=\"col-sm-12 columns\">\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"title text-center text-white\">Financial <span class=\"text-secondary-color\">Life Stages<\/span><\/h2>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t<ul class=\"tabs-list lead-text-basic text-center\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"active\"><a href=\"#tab-pane-251\">Foundation<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-252\">Asset Building<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-253\">Wealth Generation<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-254\">Retirement Planning<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a href=\"#tab-pane-255\">Retirement<\/a><\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t<\/div> <!-- end Container -->\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<!-- end Stripe section -->\r\n\t\t\t\t\r\n\t\t\t<\/nav>\r\n\t\t\t<!-- end Tabs Navigation -->\r\n\t\t\t\r\n\t\t\t<!-- Tabs Content -->\r\n\t\t\t<div class=\"tabs-content\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t\t<!-- Tab Pane #251 -->\r\n\t\t\t\t<section id=\"tab-pane-251\" class=\"tab-pane\">\r\n\t\t\t\t\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-251-0\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"1\" ><div id=\"pgc-251-0-0\"  class=\"panel-grid-cell col-sm-5 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-251-0-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"0\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"900\" height=\"675\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture03.jpg\" class=\"attachment-benchmark-picture-large size-benchmark-picture-large\" alt=\"Picture 3\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture03.jpg 900w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture03-300x225.jpg 300w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture03-768x576.jpg 768w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture03-540x405.jpg 540w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-251-0-1\"  class=\"panel-grid-cell col-sm-7 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-251-0-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-md-left-30px\" data-index=\"1\" >\n<h3 class=\"text-primary-color margin-bottom-15px\">1. Foundation<\/h3>\n<p class=\"lead-text-basic text-primary-color-pale\">Entering the work force is usually the first step toward financial independence. It is also the best time to develop sound financial habits by preparing a budget, establishing a saving pattern, setting financial goals, and following a wise borrowing strategy.<\/p>\n<p>Young adults face the task of learning how to manage spending and saving within the constraints of their income levels. Here are some approaches to consider:<\/p>\n<ol class=\"remove-bottom custom-counter\">\n<li>Learn how you are spending your money to identify ways to save \u2014 prepare a <strong>household budget<\/strong>.<\/li>\n<li>Use a wise borrowing strategy. Borrow for things that provide long-term value. Control the use of credit cards.<\/li>\n<li>Establish a saving pattern. Consider an automatic savings program so that some amount is deposited into a savings account each pay check.<\/li>\n<li>Set some <strong>savings goals<\/strong>. Whether it is accumulating a deposit for a home, paying for a car or saving for a vacation, connecting a tangible goal with your saving can provide the motivation and discipline you need to save.<\/li>\n<li>Make sure you have <strong>adequate insurance<\/strong>.<\/li>\n<li>Take advantage of any Government schemes.<\/li>\n<li>Take advantage of employee benefit plans offered by your employer.<\/li>\n<\/ol>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\t\t\t\t\t\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<!-- end Tab Pane #251 -->\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t<!-- Tab Pane #252 -->\r\n\t\t\t\t<section id=\"tab-pane-252\" class=\"tab-pane\">\r\n\t\t\t\t\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-252-0\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"1\" ><div id=\"pgc-252-0-0\"  class=\"panel-grid-cell col-sm-5 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-252-0-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"0\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"900\" height=\"675\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture12.jpg\" class=\"attachment-benchmark-picture-large size-benchmark-picture-large\" alt=\"Picture 12\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture12.jpg 900w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture12-300x225.jpg 300w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture12-768x576.jpg 768w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture12-540x405.jpg 540w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-252-0-1\"  class=\"panel-grid-cell col-sm-7 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-252-0-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-md-left-30px\" data-index=\"1\" >\n<h3 class=\"text-primary-color margin-bottom-15px\">2. Asset Building<\/h3>\n<p class=\"lead-text-basic text-primary-color-pale\">The ages of 25 to 35 are considered to be the typical asset building phase, characterised by:<\/p>\n<ul class=\"dot-list margin-bottom-40px\">\n<li>the early to middle years of working careers<\/li>\n<li>small net worth<\/li>\n<li>large debt, courtesy of home loans, student loans, car loans, etc<\/li>\n<li>long investment horizons<\/li>\n<li>a focus on accumulating assets to satisfy immediate needs (deposit for house, children\u2019s education, etc).<\/li>\n<\/ul>\n<p>As most people spend the majority of this time working, now is the time to realise your lifestyle goals (such as buying your first home, saving for your children's education, and saving for retirement). Meeting these goals will involve <strong>balancing between living for today and meeting tomorrow's needs<\/strong>. Although this is one of the greatest challenges of the asset building phase, we need to remind ourselves that income for our retirement and later life funding comes from early investing activities or cash savings.<\/p>\n<p>Risk protection at this stage is also vital. This can be achieved by purchasing an adequate mix of <strong>personal insurance<\/strong> that will cover Life, Total Disablement, Trauma &amp; Income Protection insurance.<\/p>\n<p class=\"remove-bottom\">Financial planning, wealth protection, savings, investing, asset allocation and diversification strategies should be developed early \u2014 <strong>with the help of a professional<\/strong> \u2014 to make sure you are on target to meet your future goals as you move towards your next major phase of life.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\t\t\t\t\t\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<!-- end Tab Pane #252 -->\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t<!-- Tab Pane #253 -->\r\n\t\t\t\t<section id=\"tab-pane-253\" class=\"tab-pane\">\r\n\t\t\t\t\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-253-0\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"1\" ><div id=\"pgc-253-0-0\"  class=\"panel-grid-cell col-sm-5 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-253-0-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"0\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"900\" height=\"675\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture09.jpg\" class=\"attachment-benchmark-picture-large size-benchmark-picture-large\" alt=\"Picture 9\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture09.jpg 900w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture09-300x225.jpg 300w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture09-768x576.jpg 768w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture09-540x405.jpg 540w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-253-0-1\"  class=\"panel-grid-cell col-sm-7 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-253-0-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-md-left-30px\" data-index=\"1\" >\n<h3 class=\"text-primary-color margin-bottom-15px\">3. Wealth Generation<\/h3>\n<p class=\"lead-text-basic text-primary-color-pale\">The Wealth Generation stage generally occurs when your income is rising. However, nicer homes, nicer cars and children can easily consume your increasing income.<\/p>\n<p>This is the time when the financial decisions you make will have the greatest impact on the financial lifestyle you will enjoy during retirement. By now, you should have accrued savings, as well as the expertise to make sound choices such as:<\/p>\n<ol class=\"custom-counter\">\n<li>Taking full advantage of employer offered salary sacrifices.<\/li>\n<li>Adopting <strong>tax minimisation<\/strong> strategies.<\/li>\n<li>Investing wisely. Consider an <strong>asset allocation strategy<\/strong> that matches your time horizon and risk tolerance. Don't ignore the potential long-term returns of equities, but do your homework or rely on a qualified advisor.<\/li>\n<li>If you are contemplating borrowing to invest, do it wisely. Consider debt recycling and potential gearing.<\/li>\n<li>Ensure your insurance protection has kept pace with your needs. Having <strong>adequate life insurance<\/strong> to protect your family, in case of your untimely death, is critical.<\/li>\n<li>Preparing an <strong>estate plan<\/strong> to minimise tax and to ensure that your custodial, financial and medical wishes are carried out.<\/li>\n<\/ol>\n<p class=\"remove-bottom\">The opportunities to help increase your nest egg, come with a host of complexities. This makes good financial planning essential.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\t\t\t\t\t\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<!-- end Tab Pane #253 -->\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t<!-- Tab Pane #254 -->\r\n\t\t\t\t<section id=\"tab-pane-254\" class=\"tab-pane\">\r\n\t\t\t\t\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-254-0\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"1\" ><div id=\"pgc-254-0-0\"  class=\"panel-grid-cell col-sm-5 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-254-0-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"0\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"900\" height=\"675\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture10.jpg\" class=\"attachment-benchmark-picture-large size-benchmark-picture-large\" alt=\"Picture 10\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture10.jpg 900w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture10-300x225.jpg 300w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture10-768x576.jpg 768w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture10-540x405.jpg 540w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-254-0-1\"  class=\"panel-grid-cell col-sm-7 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-254-0-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-md-left-30px\" data-index=\"1\" >\n<h3 class=\"text-primary-color margin-bottom-15px\">4. Retirement Planning<\/h3>\n<p class=\"lead-text-basic text-primary-color-pale\">Retirement planning is an incredibly important step in everyone's life, regardless of age or profession. After all, everyone wants to live comfortably and enjoy themselves in retirement. So, it is essential to begin preparing and planning for retirement as early on as possible.<\/p>\n<p>Statistics show you will probably spend at least 20 years in retirement \u2014 hopefully many more. So it's important to develop an appropriate plan to ensure that the <strong>dividends of your hard work last throughout your retirement years<\/strong>.<\/p>\n<p>With most of your income earnings years behind you, it is critical that you protect and preserve everything that you invested your entire life to earn and accumulate. You need to protect what you can't afford to lose and <strong>develop predictable and tax efficient income strategies<\/strong> that will continue on long after you are no longer able to work.<\/p>\n<p>The amount of money that is required for your retirement is highly personal and will depend of factors such as individual current lifestyles, general state of health, retirement assets, risk profile and the tax efficiency of investments.<\/p>\n<p class=\"remove-bottom\"><strong>Estate planning<\/strong>, although important at all stages of life, is especially vital during the transition to retirement phase and actual retirement phases. In simple terms, estate planning means having your affairs in order, enabling your family and loved ones to make decisions on your behalf upon your death or in the event of mental incapacity.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\t\t\t\t\t\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<!-- end Tab Pane #254 -->\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t<!-- Tab Pane #255 -->\r\n\t\t\t\t<section id=\"tab-pane-255\" class=\"tab-pane\">\r\n\t\t\t\t\n\t\t<!-- Stripe section -->\n\t\t<div class=\"stripe stripe-transparent-bg\">\n\t\t\t<div class=\"stripe-upper-bg\"><\/div>\n\n\t\t\t<div class=\"container\"> <!-- Container -->\n\n<div id=\"pg-255-0\"  class=\"panel-grid row\"  data-cells=\"2\"  data-grids=\"1\" ><div id=\"pgc-255-0-0\"  class=\"panel-grid-cell col-sm-5 columns\"  data-cells=\"2\" >\n\n<!-- Single Image -->\n<div id=\"panel-255-0-0-0\" class=\"so-panel widget widget_benchmark-single-image widget-single-image panel-first-child panel-last-child\" data-index=\"0\" >\n\t\t\t\t\t\r\n\t\t\t\t\t<figure>\r\n\t\t\t\t\t\t<img width=\"900\" height=\"675\" src=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture05.jpg\" class=\"attachment-benchmark-picture-large size-benchmark-picture-large\" alt=\"Picture 5\" loading=\"lazy\" srcset=\"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture05.jpg 900w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture05-300x225.jpg 300w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture05-768x576.jpg 768w, https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-content\/uploads\/2019\/09\/picture05-540x405.jpg 540w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\n\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>\n<!-- end Single Image -->\n<\/div><div id=\"pgc-255-0-1\"  class=\"panel-grid-cell col-sm-7 columns\"  data-cells=\"2\" >\n\n<!-- Text Block -->\n<div id=\"panel-255-0-1-0\" class=\"so-panel widget widget_benchmark-text-block widget-text-block panel-first-child panel-last-child offset-md-left-30px\" data-index=\"1\" >\n<h3 class=\"text-primary-color margin-bottom-15px\">5. Retirement<\/h3>\n<p class=\"lead-text-basic text-primary-color-pale\">Retirement is something you should be looking forward to \u2014 not worrying about!<\/p>\n<p>These years can and should be some of the most enjoyable and fulfilling times of your life. The freedom to live the retirement lifestyle of choice, and a sense of satisfaction with what you have accomplished, can make your golden years truly enjoyable. However, there are still financial issues that should be considered such as:<\/p>\n<ol class=\"custom-counter\">\n<li>Ensuring your <strong>medical insurance<\/strong> is adequate. Health care expenses are becoming a greater proportion of expenditure due to the cost of medical requirements and longer life expectancy.<\/li>\n<li>Making sure your <strong>estate plan<\/strong> is up to date. Changes in your financial situation, moving inter-state and changes in your family, should all be triggers for reviewing your estate plan with a qualified estate planning attorney.<\/li>\n<li>Continuing to <strong>manage your investments carefully<\/strong> to ensure they are performing appropriately.<\/li>\n<\/ol>\n<p class=\"remove-bottom\">Thorough retirement planning, and successful execution of that planning, helps facilitate an enjoyable retirement.<\/p>\n\n<\/div>\n<!-- end Text Block -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n\t\t\t\t\t\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<!-- end Tab Pane #255 -->\r\n\t\t\t\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t<!-- end Tabs Content -->\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t\t<\/div>\n<!-- end Tabs -->\n<\/div><\/div>\n\n\t\t\t<\/div> <!-- end Container -->\n\n\t\t<\/div>\n\t\t<!-- end Stripe section -->\n","protected":false},"excerpt":{"rendered":"<p>5. Retirement Retirement is something you should be looking forward to \u2014 not worrying about! These years can and should be some of the most enjoyable and fulfilling times of your life. The freedom to live the retirement lifestyle of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13,"parent":134,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"_links":{"self":[{"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/pages\/135"}],"collection":[{"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/comments?post=135"}],"version-history":[{"count":0,"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/pages\/135\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/pages\/134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/media\/13"}],"wp:attachment":[{"href":"https:\/\/e-merald.com\/themes\/benchmark-wp\/wp-json\/wp\/v2\/media?parent=135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}