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A second chance?

A Fresh Start

You’ve worked hard, played hard and generally had a good life. You’ve taken some hits along the way too. Perhaps family hasn't quite panned out the way you would have liked. Relationships can be hard. The good news is that there’s a new start just around the corner. And we’re only limited by our mind.

The reality is that many things can be better taken care of by simply dedicating the time needed to plan a course of action and making it happen. At Advantage First, we can show you how to potentially structure your finances to give yourself the best opportunity to experience a fresh start, a new beginning and whatever else constitutes a positive, enriched life for you.

By speaking with us early in the piece, we may be able to help you set up a structure that enables you to generate additional cashflow without giving a lot of it away to the taxman.

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Greg and Aaron

Let’s look at a hypothetical scenario involving different 2 people (let’s call them Greg and Aaron) who are starting over.

Greg has always wanted to take a break as he neared retirement, so he could reconnect with himself, make more time for leisure and if possible find a fulfilling relationship with a new partner.

As he contemplates the future, Greg decides to meet with an Advantage First financial advisor to investigate what can be done so that he can afford to take some time out to revitalise himself. With some careful restructuring of his budget and tax situation, he is able to make a fresh start and create the additional cash flow needed for a 12 month world cruise.

Aaron has similar goals to Greg's, but believes his superannuation will be enough to see him through retirement. Turns out, Aaron underestimates how much he needs to live comfortably in retirement and his super balance is barely enough to cover his living expenses, leaving him with no prospect of an overseas trip, and little chance of personal change.

Key insight

Structuring is paramount. Potentially around 30-35% of what we make over a lifetime often goes in taxes. For some, this could be in the ballpark of more than one million dollars. Being able to manage your tax outcomes can have a substantial impact on our lives. We’re here to help.


General Advice Warning:
This material has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this material is General Advice and does not take into account any individual investment objectives, financial situation or needs. Before making an investment decision based on this advice you should consider whether it is appropriate to your particular circumstances. Hypothetical scenarios are based on assumptions and are not guarantee of any outcome in the future. Where the General Advice relates to the acquisition or possible acquisition of a financial product, you should obtain a Product Disclosure Statement (“PDS”) relating to the product and consider the PDS before making any decision about whether to acquire the product.

Advantage First Financial Planning Pty Ltd is a Corporate Authorised Representative (No. 1000091) of IPraxis Pty Ltd (ABN 39 114 365 007), which is the owner of Australian Financial Service License No: 329337.

Other Advice Warning:
Before acting on any of the information presented here, please seek professional financial advice.

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