Your Life Stages
Valued advice, no matter where you are in life.
Your life is the sum of your experiences. The adventures you have, your achievements and the people you meet all help shape you. There is only one constant in life – change. Your goals change and evolve as you grow and your financial needs will change with you. What stage of your Financial Life are you at?
Getting started – in your 20’s
When you’re starting out in your working life, every week can be a party. You have few financial commitments, you’re starting to earn decent money, and you probably haven’t given much thought to your financial future.
Yet whether you’re working, studying or travelling, living at home or with friends, saving for an apartment or in need of a mortgage, now is the best time to set good financial habits.
The earlier you start planning, the better off you’ll be in the future.
Branching out – in your 30’s
You begin to establish stronger relationships, and starting a family may be on your mind. Your needs are changing and a whole new world of financial considerations open up to you.
Managing debt, paying off your mortgage, reducing the amount of tax you pay, and protecting your family from unforeseen events all become financial concerns.
When children come along, or other significant changes happen in your life, you need to protect your loved ones and plan for the future.
Settling down – in your 40’s
Your 40’s are most often your peak earning years. Managing your income effectively now can really set you up for future success. Sometimes that’s easier said than done.
When you’re juggling a home loan, kids’ school fees, and contributing to your retirement, it’s difficult to find the time to really understand how you are travelling financially. We can help manage your cashflow to make sure you are on track to achieve your desired future.
Building wealth and managing debt should be your key focus now. You’ll need to take greater control of your spending plan and cashflow, manage your mortgage and other debts, and make sure you’ve got a rock-solid investment strategy to ensure you retire when you want on the income you want.
Living large – in your 50’s
We all change as we get older, and as we grow our financial considerations change with us. In your 50’s you’ll probably begin to focus less on day-to-day financial matters and begin thinking more about your retirement.
How much money will you need? Have you been contributing enough to super? How can you increase your super balance? Will you have enough money for a comfortable retirement?
Now is the time to knuckle down and understand what retirement might look like for you.
Kicking back – in your 60’s and beyond
What do you want from your remaining years?
Sell everything and become a grey nomad? Work part-time and finally achieve that work/life balance you’ve always wanted?
We can help you understand where you are financially and show you how you can live the life you want.
Why Henderson Matusch
We make it easy for you to get started with a plan to secure your financial future. We also help to monitor your progress monthly, which helps motivate you and keep you on track for success. Established in 2004 by financial services industry veterans, we’re big enough to be able to source a range of top financial products across Australia at competitive and in many cases, discounted prices. We’re also small enough to be able to carefully craft the most effective strategies, just for you. We measure our performance by your success and satisfaction, and we never lose sight of what’s really important – our clients