When should I see an adviser?

In your 20s

By getting started with advice as early as possible, you can develop good financial habits that ensure financial security and wellbeing throughout your life.

Even if you don't have a lot of extra income, a financial adviser can show you how to make the most of your money. By taking control of your cash flow and drawing up a budget, you can start your journey toward reaching your financial goals.

They’ll also help you set other goals – such as saving up for a house deposit – and create a plan to achieve them.

Some major life events that might trigger a change in your financial circumstances include:

• having children
• getting a new job or a promotion
• saving for a specific goal
• buying a house.

In your 30s and 40s

As you move through life, your lifestyle might significantly change – and so will your goals and priorities. At the same time, your professional responsibilities can mean there’s less time for managing your money.

A financial adviser can help you create a household budget, making it easier to keep up with your daily living expenses and pay down debts.

Alongside tailored strategies for boosting your super and building wealth through investing, a financial adviser can show you how to plan for your future.

They can also help with protecting your families' financial security by reviewing and updating your insurance cover.

While you can see a financial adviser at any time, here are some major life events that might trigger a change in your financial circumstances:

• getting married or moving in with a partner
• going through a divorce or relationship breakdown
• receiving a bonus or inheritance
• being made redundant.

In your 50s and 60s

When you’re winding down your working life, your focus naturally shifts towards your retirement.

A financial adviser can help you make the most of your income during those final years of employment. They’ll work with you to set goals for your retirement, such as travel plans, and figure out how much you’ll need for comfortable retirement lifestyle. Once you've reached retirement, they’ll devise a strategy to keep growing the wealth that you've worked hard to build.

Your financial adviser can tailor your retirement plan as your circumstances change, like emerging health needs. or estate planning, so your loved ones are always looked after.

While you can see a financial adviser at any time, here are some major life events that might trigger a change in your financial circumstances:

• retiring or approaching retirement
• seeking aged care options
• significant illness or passing of a loved one
• planning your estate.

Take a look at choosing the right adviser

Find out how much an adviser can cost