Managing your finances can be challenging at any time, but especially when big decisions or life milestones arise. From buying property to planning for retirement, these moments can significantly impact your financial future. Here are ten situations where professional advice can make all the difference:

1. Buying Property

Whether it’s your first home or an investment property, structuring the purchase correctly is crucial. A financial advisor can help you align this decision with your long-term goals and avoid costly mistakes. 

2. Starting Retirement Planning

Retirement planning is best done early. Advisors can help you project income, optimise superannuation, and prepare for aged care and estate planning. 

3. Seeking Investment Advice

If you’re unsure about an investment opportunity or want to diversify your portfolio, professional guidance can help you manage risk and maximise returns. 

4. Receiving a Windfall

Inheritance, payouts, or lottery wins can be life changing. Advisers ensure these funds are invested wisely for long-term security instead of being squandered. 

5. Relocating

Moving overseas or interstate often involves complex financial adjustments. Expert advice helps you navigate tax rules, superannuation, and investment strategies. 

6. High Income, Little Time

If you’re earning well but lack time to manage your wealth, an adviser can help with tax strategies, investments, and estate planning.

7. Starting a Family

From childcare costs to education expenses, starting a family changes your financial priorities. A planner can help you prepare for both expected and unexpected costs. 

8. Going Through Divorce

Divorce is emotionally and financially complex. Advisers help you rebuild and plan for a secure future post-settlement. 

9. Getting a Promotion

A pay rise can lead to poor money management if not handled well. Financial planning ensures you save, invest, and protect your income effectively. 

10. Changing Your Super Fund

Choosing the right super fund impacts your retirement. Advisors can guide you through contribution strategies and insurance options to optimise returns.