Retirement is close enough but too far away to pro-actively aim for. However, the desire is there to build wealth and, if a mortgage is still there, then the key focus is paying it down and juggling the demands of today.

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.


    Would you like to start contributing more to your super?

    Adding contributions to your super directly from your pre-tax salary can be an easy, tax-effective way to top up your super. This is called salary sacrifice.

    What you need to know

    When you put in a place a salary sacrifice arrangement, your payments will be made automatically by your employer. So it’s an easy way to get into a good habit. Plus you may be able to save on tax:

    • For most people, salary sacrifice contributions are taxed at just 15%
    • You do not pay income tax on salary sacrifice contributions to super which can represent a significant tax saving particularly if you are on the highest marginal tax rate
    • Sacrificing a portion of your pre-tax salary into superannuation could enable you to lower your tax bracket and, thus, reduce the overall amount of tax you pay
    • When you pay less tax, you have more money to invest which gives you the potential to increase your returns.

    Getting started

    • Make sure that your employer will allow you to salary sacrifice, and that your employer won’t reduce the amount of super guarantee contributions they pay on your behalf.
    • You should also ensure that salary sacrifice plus superannuation guarantee contributions you make won’t exceed the annual cap on concessional contributions.

    Count on us

    A Count adviser can help you:

    • Put in place a salary sacrifice arrangement
    • Boost your super using smart super strategies.



    Would you like to create a nest egg for your children?

    It is becoming more and more difficult for young people to buy a house without help from their parents. And future generations may have to rely solely on their own money to fund their retirement. So building a nest egg for your children has become more important than ever.

    What you need to know

    • The effect of compounding interest means the earlier you start investing for your children, the easier it is to create wealth. So it makes sense to put in place a regular savings and investment plan.
    • You can start making superannuation contributions for your children while they are still under 18. Generally no tax deduction is available; however with the benefit of compounding, a relatively small contribution at birth can grow into a significant nest egg by the time the child reaches retirement.

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    A Count adviser can help you:

    • Start saving for your children’s future.



    How can you make education costs more affordable?

    One report1 estimates the cost of raising two children from birth to when they leave is $812,000. Education is a large part of these expenses, particularly for higher income families who may choose to send their children to private school. Aside from school fees, there are regular expenses such as uniforms, equipment, and excursions that can affect your budget significantly, and with tertiary education these costs might be around for more than 15 years!

    What you need to know

    Putting in place a regular savings or investment plan as soon as possible is the key to making sure you can afford to give your children the education they want. There are a range of options available including:

    • Managed funds
    • Investment bonds
    • A trust
    • Education funds.

    Getting started

    • Regular contributions are key to saving for your child’s education. Work out your budget and how much you can afford to save each month.

    Count on us

    A Count adviser can help you:

    • Start saving for your children’s future in a tax effective way
    • Put in place a regular investment or savings plan.

    1 "The cost of raising children in Australia”, AMP. NATSEM May 2013.


    Would you like to renovate your home?

    As your family grows you may want to renovate to create more space. Or you may decide renovating is a better option for you than moving house at this stage in your life.

    What you need to know

    Renovating can be expensive, but there are a number of things you do to help you fund the changes you want to make to your home:

    • If you've been making additional repayments on your home loan above your required repayment amount, you may be able to withdraw that money and use it to fund your renovations.
    • You may be able to find a more competitive home loan. By reducing your interest rates you can save more money towards your renovations.

    Getting started

    • Get a good understanding of how much you will need to carry out your renovations and make sure you include a buffer for cost overruns.

    Count on us

    A Count adviser can discuss the options available when you're considering renovating your home.



    Investing your money can help you make your savings work harder for you. Now is a good time to consider starting an investment portfolio so you can start building wealth for you and your family.

    What you need to know

    One of the ways to continue to build your investment portfolio is to simply keep adding to it on a regular basis. With a regular investment plan you can continue to build your investment over time. And by putting money into an investment portfolio can earn you a higher return.

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    A Count adviser can help you:

    • Develop strategies to suit your goals and needs to help you invest your money.



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

    With a family to look after, unforeseen events and a mortgage to manage you can’t afford to be off work. If illness or injury stopped you from working for an extended period, could you keep paying your bills?

    What you need to know

    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.



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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