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Financial Planning

Bridges Financial Services

Many people are aware that they need professional financial advice but are unsure of where to start. Bridges Financial Services (Bridges) is here to help.


Retirement planning

Retirement is a time of life for you to relax and do the things you’ve always wanted to do, and careful planning can help ensure you are financially comfortable. Prior to retirement, there are some important questions you need to ask yourself, including:

  • What do you want to do in retirement?
  • How much money will you need to do it?
  • Do you need a regular income?
  • Where will this income come from?
  • When can you retire?
  • How and when will you be able to access your super?
  • What Government support will you be eligible to receive?

Planning ahead can assist you in making the most of what you have and help you to achieve financial security, reduce uncertainty and enjoy your retirement. There are many different options available to help fund your retirement, including taking your super as a cash lump sum, purchasing an income stream product to give you a regular income or a combination of both. 

Plan your retirement


Superannuation

Superannuation is important because it may be your only means of financial support in retirement. Bridges can advise you on all the things you need to consider and superannuation strategies.

Learn more


Redundancy

In today’s economic environment, being made redundant can become an unexpected reality. We all have a lifestyle to maintain, some with dependants, and many with financial commitments such as mortgages, personal loans, and other obligations that require us to generate an income. If your source of income suddenly ceases, it could have a dramatic impact on your financial wellbeing and even serious consequences depending on your personal circumstances. Regardless of your current situation and future intentions, you will need to make some important decisions about your finances. This includes any redundancy or employee termination payments that you may be entitled to, your expenses, and how you can structure your affairs tax-effectively. 

How a financial planner can help

Redundancy and early retirement involve important financial decisions that can only be made with consideration given to your personal circumstances.

A financial planner can help you by:

  • assessing your financial position and your ability to meet your financial commitments
  • identifying any employer payments that you may be entitled to
  • understanding how redundancy affects your superannuation
  • identifying any Government assistance you may be entitled to
  • understanding/assessing your personal insurance
  • planning the way forward.

Insurance

Building your wealth is important and so is protecting it. What would your family do if something happened to you? Illness, injury and death can have a huge impact on your family and your finances.

Most of us insure our car and home, but what about your most valuable assets - your life and your ability to earn an income? Make sure you look after your loved ones and protect them against these risks.

A Bridges financial planner can help you identify the type and the appropriate level of insurance for your and your family’s circumstances.


Aged Care

As we get older, it becomes more and more difficult to live independently – whether it’s because of illness, disability, reduced mobility, isolation or the problems associated with maintaining a large property. While moving in with family may be a viable option, there are alternative accommodation options that not only allow a level of independence to be maintained, but also provide varying levels of care if required.

A Bridges financial planner can help you access the right information so you can make an informed decision which ultimately gives you peace of mind.

They can help you understand:

  • the implications to your age pension entitlements,
  • the aged care costs you will be charged,
  • the impact on your estate and the passing of your wealth to the next generation.

A Bridges financial planner can help you access the right information so you can make an informed decision which ultimately gives you peace of mind. 


Getting the right advice

Contact the Bridges Adelaide office to arrange a free, no-obligation initial consultation:

Email: silvana.puglia@bridges.com.au

Phone: 8212 6166

Drop into Level 3, 400 King William Street Adelaide SA 5000

Or visit Bridges to find out more about the vast range of services available.

Our Pre-retirement Seminars, presented by Bridges Financial Services, cover a wide range of useful information for anyone thinking about retiring.

Whatever your goals in life, there’s a simple and powerful way to improve your chances of achieving them. Write them down.*

How we can help

Whatever your goals in life, there’s a simple and powerful way to improve your chances of achieving them. Write them down.*

Gain access to great member offers and discounts with our partner, Wallmans Lawyers.

Smart decisions here could make an enormous difference to your future income.

Invest as little as $5,000 across a wide range of terms - from one month and up to five years. View our Term Investment interest rates and fees now.

Bridges Financial Services Pty Ltd (Bridges) ABN 60 003 474 977, ASX participant, AFSL No 240837. This is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner. Examples are illustrative only and are subject to the assumptions and qualifications disclosed. In referring members to Bridges, Credit Union SA does not accept liability or responsibility for any acts, omissions or advice provided by Bridges or its authorised representatives. Bridges is part of the IOOF group.

Credit Union SA refers its members and other people to Bridges and in return receives a commission of up to 22.5% of the fees and commissions they receive on investments, and a trailing commission of up to 0.20% per annum on funds held under management.

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