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Future Financial Services Blog

by Alex McKenzie

Financial planning advice to guide you through your life stages. Financial advice for when you are looking to buy your first home, start a family or looking to retire. This blog aims to show the relevance of Superannuation, insurance and investment for everyday families.


Self Managed Super Funds

Is a Self-Managed Super fund appropriate for you?

In recent times, Self-Managed Super Funds (SMSF) have become very popular and, for many investors, they represent an excellent vehicle to manage their retirement assets.


It is my belief that for many Australian’s who have an SMSF, it is not the most appropriate structure. Truth be known, often the person recommending the fund benefits greatly.  As a financial planner, a SMSF client is gold as they are generally high revenue clients.  The same applies for accountants and those involved with property investment, we are all incentivised to recommend an SMSF. Is this best for the client? Often the answer is yes, it is a great option, however, in a lot of other situations, I’m less confident that an SMSF is appropriate. 

Written by: Alex McKenzie Categories: Future Financial Services Blog


Planning for Retirement

Approaching retirement

As we approach retirement, one of the biggest lifestyle changes we encounter, it is important to prepare properly. Once we retire and are no longer earning an income we need to determine how much money we are going to need to maintain our lifestyle.

As a financial planner, the years immediately preceding retirement are some of the most important and there is an array of considerations. One of the keys to successful retirement planning is accurately calculating the income you will require to maintain your lifestyle. In my experience, most people don’t really know how much they need and/or currently spend, most also underestimate their income requirements. A financial planner has a number of tools and methods to help you determine your retirement income needs.

Written by: Alex McKenzie Categories: Future Financial Services Blog

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