Key objectives during this life stage are focused on paying off the home loan.

Money comes in and goes out, being spent on the household and children. Pleasures are taken in small luxuries and travel.

Watch the video below to learn more about this life stage.

When’s the big day?

Maybe you’ve got enough saved and you’re finally going to buy that house.

Are you expecting your first child… or your third?

Or maybe you’re a professional wondering what to do next – working overseas, investing or taking that next big adventure in life?

Now is when many start taking stock, thinking about their long term future and looking after their loved ones.  A bit daunting? It doesn’t have to be. Financial advice can help you take advantage of opportunities to plan for a secure future by maximising your savings, investments and super.

A financial adviser can also help to protect you and your loved ones by giving you the information you need to choose the right insurance cover in case the unexpected happens.

Do you dream about the lifestyle you’ll have in retirement? Australians are living longer than ever, so don’t leave it to chance – make it happen by working with your adviser to manage and grow your savings for the future.

Of course we all know circumstances can change, so when the twins decide to go to university, your financial Adviser can help adjust your plan to suit your needs.

Contact us today to discuss how we can help you find the path to financial peace of mind.


    Where does your money go each month?

    You might be thinking about making some big plans in the future such as buying a house or starting a family. So now is the time to get your savings on track.

    Some advice

    Putting off setting up a savings plan? You could miss out on thousands of dollars in interest due to the effects of compounding interest.

    What you need to know

    It can be easy to let money slip through your fingers. Setting up a budget and starting a regular savings plan will help you:

    • Make the most of your money and enjoy the benefits of your hard work
    • Get into the savings habit so you can build your wealth faster
    • Increase the amount of money you have by earning interest
    • Get peace of mind that you are being smart about your money.

    Getting started

    • Find a budget app or use our budget calculator to help you make and stick to your budget
    • Set up a regular savings plan so the money automatically comes out of your transactional account into a high interest savings account each month
    • Watch your savings grow!

    Count on us

    A Count adviser can help you:

    • Work out your goals for now and in the future
    • Show you how to reach your goals faster
    • Help choose the best savings plan for your needs.



    Did you know you might be doubling up on your super fees?

    By now it’s likely you’ve had more than one job throughout your career. Each time you start a new job your new employer will make contributions to your super through the superannuation guarantee.

    What you need to know

    As we change jobs it’s easy to end up with more than one super account. This means you may be paying more fees than you need to. By consolidating your super into one fund you can:

    • Save money on fees
    • Cut down your paperwork
    • Make it easier to keep track of your super.

    You can also choose in most cases which super fund your superannuation guarantee is paid to (rather than your employer choosing for you).

    Getting started

    • Keep track of your super by using myGov to see details of all your super accounts
    • Shop around – find a super fund that has the features you want
    • Remember to consider any insurance held within your existing super that may be lost if you decide to consolidate your super.

    Count on us

    A Count adviser can help you:

    • Choose an appropriate super fund
    • Boost your super using smart super strategies
    • Consolidate your super.



    Are you prepared financially for your new arrival?

    When you’re having a baby it’s normal to focus on the practical aspects of preparing for the arrival of a newborn, such as deciding where to give birth, choosing names and buying the essentials. In fact, there are so many practical things to consider that people often overlook the financial considerations.

    What you need to know

    By taking the time to consider your finances ahead of time, you’ll be able to avoid financial pressures and really enjoy the special time with your new family member. Now is the time to consider:

    • Budgeting for the costs of having a child, such as the possibility of living off just one income
    • How you will afford to buy the things your baby will need such as a cot, car seat and clothes and nappies
    • Whether you will be eligible for financial assistance from the government through schemes such as paid parental leave, family tax benefit, child care benefit and child care rebate.

    Getting started

    • Try to save enough before-hand to cover pregnancy costs and living expenses
    • Before buying baby items, work out which are essentials and which are nice to haves.

    Count on us

    A Count adviser can help you:

    • Put together a budget and savings plan
    • Understand the benefits you are eligible for.



    Do you want to pay your home loan off faster?

    Your home loan repayments are likely to be one of your biggest outgoings each month. Paying off your home loan as soon as possible is one of the simplest ways to save money. Particularly in the early years when your interest payments are highest.

    Some advice

    Income protection insurance provides broader cover than home loan protection insurance. Income protection insurance provides up to 75% of your pre-tax salary for a specified period in the event that you are unable to work and may allow you to cover all your expenses - not just your loan repayments.

    What you need to know

    Small changes can make a big difference. There are some easy ways that you can start to pay off your loan faster:

    • Changing your payments from monthly to fortnightly or weekly is the equivalent of making 13 monthly repayments a year
    • Avoid ‘honeymoon’ loans that revert to a higher rate after the ‘honeymoon’ period is over
    • Make additional repayments whenever you can. Extra repayments you make in the early years will have the biggest impact
    • Use an offset account to reduce your loan interest.

    Count on us

    A Count adviser can help you:

    • Put in place strategies to pay off your home loan faster.

    Did you know you could get paid even if you can’t work?

    By now you’ve had some experience with insurance for your car or home. But have you thought about protecting your most important asset - yourself?

    What you need to know

    If illness or injury stopped you from working for an extended period, could you keep paying your bills? Taking out personal insurance can:

    • Give you peace of mind that if the unexpected occurs, you will be able to manage your expenses
    • Pay you up to up to 75% of your pre-tax salary for a specified period if you take out income protection insurance
    • Help you focus on recovering physically and emotionally if the worst did happen.

    Count on us

    A Count adviser can help you:

    • Find the right insurance for your stage of life
    • Help you work out the level of cover you need and the amount of premiums you can afford
    • Advise you on taking out insurance through your super.



    How much money do you need to start investing?

    Investing your money can help you make your savings work harder for you. Now may be a good time to consider starting an investment portfolio especially if you find your disposable income has increased. Importantly you don’t need a large lump sum to get started.

    Some advice

    When you invest a set amount at regular intervals, you benefit from ‘dollar cost averaging’ which can help smooth out your returns by insulating you against changes in the value of the assets you are investing in.

    What you need to know

    One of the easiest ways to build your investment portfolio is to simply keep adding to it on a regular basis. With a regular investment plan you can start small and build your investment over time by putting money into an investment portfolio rather than a savings account you could earn a higher return.

    Count on us

    A Count adviser can help you:

    • Set up a regular investment plan
    • Help guide you on where to invest your money.


Important information: This web page may contain general advice. It does not take account of your objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. This web page has been prepared by Count Financial Limited ABN 19 001 974 625, AFSL 227232, (Count) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Count Wealth Accountants® is the business name of Count. Count advisers are authorised representatives of Count. Information in this web page is based on current regulatory requirements and laws as at 7 September 2017, which may be subject to change. While care has been taken in the preparation of this web page, no liability is accepted by Count, its related entities, agents and employees for any loss arising from reliance on the information contained in the web page.

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