At any stage of life, but especially during your peak earning years, it’s important to identify what you are doing with your money and where you want to be long term. Establishing a financial plan is a critical first step. Putting a plan in place when you’re younger can lead to significantly better outcomes at the end of your working life.
In fact, through financial modelling and making some assumptions around income, super balance and relationship status, we are able to show that a 49-year-old, earning $150,000 with a super balance of $215,000 could potentially grow their net assets by close to $240,000 between now and the age of 65 with financial planning.
A 35-year-old with an income of $100,000 per annum and a super balance of $50,000, has even more potential to increase their net assets through ongoing financial planning and could potentially reach age 65 with approximately $664,000 more [1].
We’re dedicated to helping you reach your financial goals through structured and tailored ongoing financial advice. We take a long-term view of where you want to be and develop a strategy to take you there. You’ll get a dedicated financial adviser, routine plan evaluations, life-long cash flow modelling, and ongoing portfolio management.
[1] This webpage presents illustrative financial modelling scenarios based on specific assumptions detailed in the full report, "The cost of doing nothing when preparing for retirement", by Findex. These projections demonstrate potential outcomes from financial planning but are hypothetical and rely on assumptions such as income levels ($100,000–$150,000 p.a.), super balances ($50,000–$215,000), CPI at 1.5% p.a., investment returns (e.g., Balanced 5.88% p.a., High Growth 6.49% p.a.), salary sacrifice contributions, and other factors outlined in the report's appendix. Past performance is not indicative of future performance, and actual results may differ materially due to market volatility, changes in economic conditions, fees, taxes, legislative changes, or personal circumstances.
Preparing for the future requires more than saving money, it requires a clear and strategic plan. A dependable financial strategy helps you make informed decisions, manage risk, and work toward your goals with greater clarity and confidence.
At Findex, we support individuals, families, and businesses in making well-informed financial decisions through structured and practical planning.
Financial planning is the foundation of effective money management. We work with you to develop a structured strategy that aligns your financial resources with your personal and professional goals.
Whether you are preparing for retirement, purchasing a home, or investing in a business, our planning approach helps guide key decisions within the context of your broader objectives. We begin by reviewing your current circumstances, aspirations, and risk tolerance before designing a plan that supports your goals while allowing for flexibility as life changes.
Connect with a local financial adviser to start your wealth creation journey today.
Find an office