When to start

Am I really in a position to see a financial planner?


The common misconception is that you shouldn’t engage a financial planner until you’ve got a significant amount of money to invest – not true.

Strategic financial planning is about identifying and developing financial direction, something that can take place from a very young age.

At Montara Wealth, we work with clients who are at the very beginning of their financial journey, through to clients who are preparing for the later stages of their financial lives.

A financial planner can provide valuable advice and develop strategies to assist you with major life decisions such as:

  • Understanding how to save money
  • Changing career direction,
  • Getting on the property ladder with a home or investment property,
  • Starting a family,
  • Upgrading the family home,
  • Affording private schooling for your children,
  • Sustaining a suitable income in retirement

“People who wait for the right moment end up waiting forever”. The best time to seek financial advice is now.

Christine and Jono

What should we do with our savings?

When Christine and Jono first came to Montara Wealth, they'd saved well, but they weren't confident they had saved enough to start investing. And if they had saved enough, they didn't know where best to invest that money to achieve their goals. What they knew was that they’d seen their friends getting ahead while Christine and Jono had been sitting on the sidelines trying to work out their investment options. “We felt we had a lot of money in the bank that was just sitting there and doing nothing,” says Christine. “That propelled us to get professional advice to find out how our money could work for us.”

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Jesse

In 2002, Jesse* was offered a redundancy package. Included in the package was an optional meeting with a financial planner.

While her manager encouraged her to take up the offer, Jesse had some concerns about meeting with a financial planner. “I’m Chinese and financial advisory had never come across my mind. My perception at the time was that financial planners are just for wealthy people,” says Jesse.

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Ben and Melissa

Ben, 43, and Melissa, 39, own an Inner West home which they live in with their 3 children.

They came to us for some guidance as to whether they should upgrade their home, start to build an investment portfolio or both. They were also keen to put their 3 kids through private schooling and we unsure if this would be affordable.

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