We realise that everyone has individual needs and we will tailor a strategy to suit. Ian Dale provides financial advice as an Authorised Representative of Total Financial Solutions Australia Pty Ltd. Information about this relationship is available in my Financial Services Guide which is available by clicking here.

What is Financial Planning?

Financial Planning is the foundation of your financial future and represents the difference between creating your financial future, and simply allowing it to happen. If you want a sound financial future you need good overall advice, not bits and pieces of advice from a range of sources that may not fit together.

Issues that need to be considered include:

• Will you have enough money to retire when you want to, and be debt free?
• Have you invested in a tax effective manner?
• Are you getting the best return from your investments?
• Would you survive financially if you were unable to work, had a stroke, or a heart attack?
• Do you have enough life insurance to pay out debt and support your family until they are independent?
• If you had a previous relationship, perhaps with children, and/or you now have a "blended" family, will their ongoing financial needs be met if you died?
• Do your will arrangements minimise your beneficiaries' tax exposure and protect their benefit if their relationships fail?

Financial planning gives overall advice in a financial plan that will:

• Be based on your objectives
• Meet your needs
• Minimise tax
• Minimise financial risk.