Investment Advice

The earlier you start understanding, planning and managing your money the better! But even if you have left it late there is always something you can do to get your money under control. Here is how we can help you with your money management through the ages.

20s and 30s:

The decisions you make in your 20s and 30s can have a big impact on your future, and it pays to get into good habits early on.

Having a game plan from the start can help you build wealth, manage debt and get into good position early on. Our Financial Adviser's will take you through the many strategies you can take advantage of with time on your side. These strategies include:

  • Budgeting and saving
  • Good and bad debt
  • Investing
  • Superannuation
  • Reducing tax
  • Insurance to protect yourself


30s and 40s:

As you emerge into your 30s and 40s, you get more comfortable with yourself, settle into your career, and start focusing more on the future.

It’s also a time of big transformation and your priorities and financial responsibilities may start to change. You may already have or be thinking about starting a family so it’s only natural to start focusing on the future. Some of the strategies we utilise to assist you during your prime include:

  • Long-term investing and wealth creation strategies
  • Borrowing money to invest
  • Superannuation
  • Reducing tax
  • Insurance to protect yourself and your family


50s and 60s (Empty-nesters and Pre-retirees)

Retirement is just around the corner and there are so many things to consider. Retirement takes planning. Yes, financial planning is essential to have the kind of retirement you desire. You also have to be ready for the change of pace that life after work offers, because while having all day, every day to yourself can sound idyllic while you’re busy at work, the reality can be quite different if you are not prepared.

How much you need to save for retirement, will depend on the type of lifestyle you plan to lead and there is not one approach that will work for everyone. A strategy for you may include one or all of these planning ideals:

  • Superannuation
  • Investment strategies
  • Transition to retirement
  • Insurance
  • Estate planning
  • Reducing tax


60s, 70s and beyond:

You’ve worked hard all your life to create the lifestyle you want for you and your family, and now is the time to relax and enjoy the fruits of your labour.

Of course there are still a lot of financial decisions to consider and a little bit of careful planning to ensure you have enough income to enjoy a long and happy retirement.

Financial planning doesn’t have to end when you finish work. In fact, these days there are more and more opportunities available to improve your lifestyle and reach your goals in retirement and beyond. We can help you navigate retirement by creating a plan that includes:

  • Retirement income
  • Social security
  • Budgeting
  • Aged care
  • Estate planning


H.A.M Financial Services is an Authorised Representative of RI Advice Group Pty Ltd ABN 23 001 774 125 AFSL 238429

General advice disclaimer:

The information (including taxation) on the H.A.M Financial Services Web Site is general advice only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives, financial solutions or needs. Before acting on this advice you should consider the appropriateness of this advice, having regard for your own objectives, financial situation and needs.

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