Services

Personal Wealth Solutions

At different ages and stages in our lives, we all have different goals and experience different financial challenges. WBFM financial advisers identify with individuals at all phases of the financial life cycle.

To help them do this WBFM has identified that there are generally four categories clients may fit into: Establishers, Wealth Creators, Pre Retirees and Retirees.

Listed below each client category are their most common characteristics. This is only a general overview and does not necessarily mean that at a certain age you will experience exactly what is below. At WBFM every client is important.  No matter what age or at what phase you are in your financial life cycle, we can help you achieve your lifestyle choices.

Establishers

If you are an ‘Establisher’ you may identify with the following:

25 -38 years of age

Would like to or already are saving for a home
May have started paying off a mortgage
May be paying off personal debt
May be single, in a relationship or divorced and starting over
May be paying off HECS Debts
May be thinking about saving money for future children or if divorced are trying to afford a decent education for children
Would like to know how to/ or are interested in learning about investing
Would like to know how to maximise the benefits of Superannuation for now and the future
Concerned about family being adequately protected in the event of death or disability
Want to make sure you have your will completed

Do you identify with any of these questions?

How do I do a better job of making ends meet on a day-to-day basis?
How do I pay my mortgage off more quickly?
How do I manage my personal debt?
How do I afford choice in the level of education for my children?
How do I fund a decent holiday for myself / family each year?
How do I afford to replace/ buy my/the family vehicle?
How do I start forward thinking about retirement?
How do I make sense of my financial direction?
How do I know how much my wealth is worth now and in the future?
How do I invest responsibly?
How do I do all of the above and still live for today?

If you identify with any of the points above, a WBFM adviser can assist you to achieve your goals.

Wealth Creators

If you are a ‘Wealth Creator’ you may identify with the following:

35 – 55 years of age

Concerned about having enough money for retirement
Looking at investment strategies to suit your lifestyle
Wanting to put Superannuation strategies in place for retirement
Would like to utilise your home equity to improve current investments
Own your home or are close to owning it
Concerned about maintaining lifestyle in future years
Are concerned about funding children’s education
Wanting to learn how to minimise tax
Want to make sure your will is completed
Concerned about family being adequately protected in the event of death or disability

Do you identify with any of these questions?

How do I do a better job of making ends meet on a day-to-day basis?
How do I pay my mortgage off more quickly?
How do I afford choice in the level of education for my children?
How do I fund a decent holiday for myself / family each year?
How do I afford to replace the family vehicle?
How do I fund much needed renovations to my home?
How do I afford a lifestyle in retirement?
How do I make sense of my financial direction?
How do I grow and manage my wealth?
How do I know how much my wealth is worth now and in the future?
How do I invest responsibly?
How do I do all of the above and still live for today?

If you identify with any of the points above, a WBFM adviser can assist you to achieve your goals.

Pre-Retirees

If you are a ‘Pre Retiree’ you may identify with the following:

55-65 years of age

Concerned about maintaining lifestyle in retirement
Concerned about protecting investments
Concerned about having enough money in retirement to achieve lifestyle choices
Concerned about structuring assets in preparation for retirement
Wanting to learn about maximising social security benefits
Concerned about future health care issues and the associated costs
Concerned about family being adequately protected in the event of death or disability

Do you identify with any of these questions?

How do I do a better job of making ends meet on a day-to-day basis?
How do I pay my mortgage off more quickly?
How do I fund a decent holiday for myself / family each year?
How do I afford to replace the family vehicle?
How do I fund much needed renovations to my home?
How do I afford a lifestyle in retirement?
How do I make sense of my financial direction?
How do I grow and manage my wealth?
How do I know how much my wealth is worth now and in the future?
How do I invest responsibly?
How do I do all of the above and still live for today?

If you identify with any of the points above, a WBFM adviser can assist you to achieve your goals.

Retirees

If you are a ‘Retiree’ you may identify with the following:

65+ years of age

Concerned about maximising social security benefits
Concerned about maintaining lifestyle in retirement
Concerned about protecting investments
Concerned about having enough money in retirement to achieve your lifestyle choices
Concerned about future health care issues and the costs associated
Concerned about family being adequately protected in the event of death or disability

Do you identify with any of these questions?

How do I do a better job of making ends meet on a day-to-day basis?
How do I fund a decent holiday for myself / family each year?
How do I afford to replace the family vehicle?
How do I afford a lifestyle in retirement?
How do I grow and manage my wealth?
How do I invest responsibly?
How do I do all of the above and still live for today?

If you identify with any of the points above, a WBFM adviser can assist you to achieve your goals.

At WBFM, every client is important. No matter what age or what financial position you are in, we can help you to secure your financial future. We do this by understanding you and your financial goals before delivering independent wealth creation and management solutions. For more information on the services we provide, please click the service links on the right, or simply give your local WB office a call.

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