Set and achieve your financial goals

Financial planning is about setting clear financial goals and creating a strategy to achieve them. It helps you manage your income, savings, investments, and expenses efficiently, so you can improve your financial outcomes and build long-term security.

A solid financial plan acts as a roadmap for your financial future, helping you prepare for both immediate needs and long-term objectives like retirement. In Australia, two out of three people aged 35–65 feel uncertain about their ability to fund a comfortable retirement. Financial planning gives you greater control over your finances, reduces stress by preparing for the unexpected, and helps you grow your wealth over time.

What Services Do Financial Advisors Offer?

• Budget and Cash Flow Planning

• Debt Management Strategies

• Investment Management

• Retirement Planning Solutions

• Superannuation Advice

• Tax Planning Strategies

• Estate Planning

• Insurance and Risk Management

Advisors work with you to ensure your financial decisions match your goals and risk tolerance, helping you protect and grow your wealth.

If managing your finances feels overwhelming or you’re navigating a major life event—like marriage, buying property, starting a business, receiving an inheritance, or planning for retirement—a financial advisor can help you make confident decisions. However, you don’t have to wait for a big life event. With your current income, assets, and superannuation, you’re ready to start planning for a stronger financial future.

Ensure your advisor holds an Australian Financial Services Licence (AFSL) or is authorised under one. You can also check the Financial Advisers Register to review their qualifications, areas of expertise, and professional memberships. A good advisor will take time to understand your needs, explain strategies clearly, and provide full transparency on fees. They should also meet with you regularly to keep your plan aligned with your evolving circumstances.

1. Initial Consultation – Discuss your financial needs and book a free consultation.

2. Personalised Meeting – Explore your financial goals and priorities with a dedicated Wealth Solutions Partner.

3. Receive Your Wealth Action Plan – Get a tailored financial plan with clear strategies and pricing options.

4. Implementation & Ongoing Support – If you choose to proceed, a Statement of Advice will be prepared. Your advisor will regularly review your plan to ensure it stays relevant as your life changes.

Financial planning is valuable at any stage of life and with any income. While the earlier you start, the greater the long-term benefits, it’s never too late. For example, a Gen X woman earning $100,000 could improve her retirement savings by $192,000 if she starts financial planning at 50—or by nearly $664,000 if she starts at 35.

These are illustrative scenarios; actual outcomes depend on individual circumstances.

The cost depends on how complex your financial situation is and the services you need.

• One-Off Advice – Focused advice for a specific financial question or decision.
• Ongoing Advice – Continuous support to manage and adjust your financial strategies over time.

Premier also offers a Family Pricing Model, allowing families to combine their financial arrangements and reduce costs, helping younger generations benefit from professional advice earlier in life.

This depends on your financial situation and goals. After your plan is in place, regular check-ins—usually once or twice a year—help ensure your strategy remains on track. Premier offers both in-person meetings at over 100 locations and virtual consultations, giving you the flexibility to choose the advisor that best suits your needs.

Yes, many people manage their own finances successfully. However, professional advisors offer valuable expertise and strategies that can lead to better outcomes, especially during complex situations or life transitions. They also provide behavioural coaching, tax strategies, and investment research—important areas that DIY investors often overlook.

Effective financial planning provides you with a clear understanding of your financial position, better control over your finances, and readiness for life’s uncertainties. Most importantly, it gives you confidence that you’re on track to achieve your goals and enjoy a secure, comfortable retirement.

Our research shows that people who receive professional financial advice are nearly three times more likely to feel confident about their retirement plans and better equipped to manage their superannuation investments.