The Inter-Alliance Financial review will offer specialist analysis and advice in the areas of:

Who needs Financial Advice?

Will you be able to retire when you want to retire?
How do you intend to protect your family if you are unable to earn an income?
Will changes to legislation impact on your investments?

Financial freedom is not about having enough money each month. It’s about having enough money for the rest of your life. Seeking financial advice from experienced professionals makes sense because informed decisions tend to be good decisions.

However informed decisions require the best advice. As part of the leading international Independent Financial Advisory Group, Inter-Alliance International consultants have the capability and expertise to provide an holistic approach to financial planning. Our consultants benefit from the support of an experienced team of specialists, extensive training and comprehensive research to help you build and protect your wealth through retirement planning, investments, protection and tax planning.

Inter-Alliance consultants can give you financial advice at every stage of your life. Everyone's path through life is different, but there are some events that are relevant to most people. We have identified broad life stages and some of the financial decisions and issues that you may want to consider.

Life Stage - Single

Will you be able to retire when you want to retire?
How do you intend to protect your family if you are unable to earn an income?
Will changes to legislation impact on your investments?

Financial freedom is not about having enough money each month. It’s about having enough money for the rest of your life. Seeking financial advice from experienced professionals makes sense because informed decisions tend to be good decisions.

However informed decisions require the best advice. As part of the leading international Independent Financial Advisory Group, Inter-Alliance International consultants have the capability and expertise to provide an holistic approach to financial planning. Our consultants benefit from the support of an experienced team of specialists, extensive training and comprehensive research to help you build and protect your wealth through retirement planning, investments, protection and tax planning.

Inter-Alliance consultants can give you financial advice at every stage of your life. Everyone's path through life is different, but there are some events that are relevant to most people. We have identified broad life stages and some of the financial decisions and issues that you may want to consider.

Life Stage - Young Couple

As a young working couple with two incomes you may well be looking to buy a home of your own. You will also need to consider your spouse in any financial decisions that you make.

Mortgages
How much can you borrow with your current salaries? What will your repayments be? What is the best mortgage option for you? What are the costs associated with a mortgage? How would you meet the payments if either of you fell ill or were unable to work?

Life Cover
Would your spouse be financially secure if you died?

Permanent Health Insurance
What would happen if either of you fell ill and were unable to work for a prolonged period of time?

Critical Illness Cover
What impact would a critical illness such as cancer have on your life? What would specialist treatment cost and how would you fund the alteration to your lifestyle?

Retirement
The earlier that you can start contributing into a pension fund the longer the fund has to grow and the greater the benefits you can enjoy during retirement. What is the best pension option for you and how much should you contribute to receive your desired level of income in retirement? If you put pension funding off, how will this impact your retirement date or income in retirement?

Life Stage - Family

Whether you are a single parent or a couple with children, you now have dependants. Many demands will be placed on your income and you will need to prioritise your financial needs.

Short to medium term Investment
Do you want your children to go to private school? You may need to start saving now to ensure that you can afford the costs of school fees.

Mortgages
Do you need to move into a bigger home? Are you on target to repay your mortgage?

Life Cover
Would your family be financially secure if you died?

Permanent Health Insurance
What would happen if either of you fell ill and were unable to work for a prolonged period of time?

Critical Illness Cover
What impact would a critical illness such as cancer have on your life? What would specialist treatment cost and how would you fund the alteration to your lifestyle?Would your spouse be able to support the family, and still pay the household bills?

Retirement
The earlier that you can start contributing into a pension fund the longer the fund has to grow and the greater the benefits you can enjoy during retirement. If you have not started paying into a pension it is not too late. What is the best pension option for you and how much should you contribute to receive your desired level of income in retirement? If you put pension funding off, how will this impact your retirement date or income in retirement?

Life Stage - Middle Aged

Your children may be ready to leave home. Do you have enough funding in your pension to start planning for early retirement?

Short to medium term Investment
You may need to start saving towards your children's university education or a wedding. Are your savings still growing effectively? Should you reduce the risk exposure of your portfolio?

Retirement
Will your pension give you your desired level of income in retirement? Will you be able to retire early? What are your options as you approach retirement?

Critical Illness Cover
What impact would a critical illness such as cancer or a heart attack have on your life? What would specialist treatment cost and how would you fund the alteration to your lifestyle?

Life Cover
Would your family be financially secure if either you or your spouse died?

Life Stage - Mature

You have worked hard all your life, your children have probably left home and you can now start enjoying your retirement.

Retirement
What are the pension options available to you on retirement? Where do you get the best rates for Annuities or should you be considering income drawdown? If you don't need to retire immediately what does the process of 'phased retirement' involve? If you choose to take a tax-free lump sum, how should you invest it?

Life Cover
Would your family be financially secure if either you or your spouse died?

Critical Illness Cover
What impact would a critical illness such as cancer or a heart attack have on your life? What would specialist treatment cost and how would you fund the alteration to your lifestyle?

Long Term Care
Should either of you require care later on in life how will you fund this care? How can you avoid leaving the burden of funding care to your children?

Estate Planning
What is the most tax efficient way of passing your estate on to your children?