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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.


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


The Benefit of Hindsight

Market falls that were occurring

I was meeting with a long-term client, and naturally we discussed the stock market falls that were occurring at that very moment, and we began reminiscing about the panic surrounding investments during the Global Financial Crisis (GFC). The stock markets were in freefall, people saw their superannuation values fall and the media was making sure we were all well aware of the what they had dubbed the “financial crisis”.

At the time my full-time job became reassuring people that sticking to their long-term strategies was sensible albeit difficult. I remember doing presentations, almost on a weekly basis, discussing investor behaviour and encouraging people not to panic. Most of my clients thankfully stayed strong and are now reaping the rewards.

Written by: Alex McKenzie Categories: Future Financial Services Blog

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