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As we step into 2025, many of us are setting ambitious goals for the year ahead. Whether you want to build wealth, plan for a major life event, or simply achieve greater financial security, engaging a financial planner can be a game-changer. Here are a few key ways a financial planner can help you stay on track and make the most of your finances:

As you near retirement, a Transition to Retirement (TTR) strategy offers flexibility by allowing you to access a portion of your superannuation while still working. This can help supplement your income or boost your retirement savings, depending on your financial goals.

For many Australians, home ownership can seem like a distant dream, especially in today’s economic climate where saving for a deposit can take years. However, for some first-time home buyers, a Family Guarantee could help bridge that gap and get them into the property market sooner. This increasingly popular arrangement allows family members to assist home buyers without having to gift cash or take on a loan themselves.

Spouse contribution splitting is a valuable superannuation strategy in Australia that allows one partner to transfer part of their concessional contributions to the other’s super account. This approach can equalize super balances, maximize Age Pension eligibility, and optimize tax benefits, especially when there is a significant age or income gap between spouses. While beneficial, it's important to understand the eligibility criteria and consult with your super fund and financial adviser to ensure this strategy aligns with your retirement goals.

The benefits of self-managed super funds are evident by their continued growth. This more detailed article explains why and the benefits of self-managing super.

A finance broker can navigate the process of finding the right loan for you so you can focus on what's most important to you. Further, a finance broker usually has access to a wider range of loan products and rates than if you went straight to one bank or did all of the groundwork yourself. In this article, we look at the role of finance brokers and the key benefits of using one. We also set out a list of questions and documents for clients to prepare themselves for a meeting with their finance broker.