Why is it important to have a financial plan?

Having a financial plan can put you ahead on all your financial goals. It takes the curiosity out of what your future might look like and helps you make informed financial decisions. 

The more extensively you plan for your financial future, the more likely you are to save, invest and manage credit card debt. You can plan for retirement, education, emergencies, major purchases and insurance needs, and accelerate your financial wealth. 

A financial plan instills confidence and gives you the peace of mind that comes with knowing you can cover your monthly expenses, set aside money for short and long-term goals, and dip into a pile of cash for a few guilt-free splurges or emergencies. This might feel out of reach at first, but a financial plan can propel you in the right direction. 

The benefits of financial planning include:

  • Knowing what you are trying to achieve in life and having strategies to help you reach specific goals
  • Maximising opportunities that are available to you, such as superannuation and transition to retirement strategies
  • Assurance that your financial decisions will benefit you and your family long into the future
  • Having a realistic estimated retirement date and knowing exactly how much money you’ll have to retire on
  • Understanding the implications of your spending 
  • Making the most of your current financial circumstances
  • Cash flow to support setbacks and potholes
  • Freedom to pursue your dreams

Want to know where you are now and where you’ll be in five, ten, twenty years? Want to discover the benefits of having a financial plan yourself? Request a no-fee appointment with Prime Financial today and start focusing on capital preservation and prudent growth, whilst providing reliable passive income.

What our clients say

“First class advice and service leading to real business advisory support and growth.”

Ben Hughes, EconomX

“We’ve been with Prime now for nearly 10 years and they have always strived to understand our business needs and have contributed enormously to our growth from start-up tech to product commercialisation.”

Robert Kerr, Enopte Solutions

“Prime provides us a highly personalised service covering our financial needs. Our strategic advice has been proactively provided whilst ensuring our investments are professionally managed without requiring our daily input. We feel comfortable knowing Prime is looking after our investments.”

Ian, VIC

“In working with Prime, I have been connected with a trusted ‘go to’ source of knowledge, mentorship, tools, services, contacts and – most importantly – a friend on the ground for anything related to financial decisions when feeling a little overwhelmed.”

Amy, QLD

“The team at Prime Financial provide an excellent full service offering to my organisation. Communication between teams is excellent and they genuinely put the best interests of their clients first.”

Alan King, VIC

“I am very pleased with Prime. I have called my adviser when I have questions and have always received prompt replies and all of the support I needed.”

Bob & Denise, NSW

“We are busy running our business, which takes up most of our time! To have someone we know and trust in charge of our money is so comforting. I enjoy the quick and clear communications I have with my adviser and I trust his suggestions for our investments.”

Jack and Pauline, VIC

“Prime is a lot more that an accountant to us. They are well equipped with the knowledge to help solve any problem businesses come across.”

Gavin Lowe, UDL Group

“We have worked with Prime for fifteen years as our financial adviser. Prime has always guided us through with professional advice on our financial decisions, whether it be in the local office or over the phone. We have found our adviser, Garry, has gone above and beyond the call of duty with regards to our retirement and financial matters in a friendly and caring way.”

Karen & Russell, QLD

“I find Michelle service to me is of high value. She is knowledgeable and transfers the information to me clearly. Thank you Prime.”

Kathryn, WA

“In all the years l have had to do the R&D rebate and other grants, l have never been better looked after than here at Prime. The staff are super friendly, trustworthy and keen to get me the best result that they can. I would recommend Prime to anyone who wants to use this service. You have a client for life.”

Vern Brickman, Adverto

“We have always felt that our advisor listened carefully to what we expected and responded appropriately. Livio is always interested in us as a couple and our lifestyle- we have never felt like we were bulk handled.”

Ian & Cherie, VIC

“I have been a client of Prime for just over 3 years and I am confident that the advice and service I have received during that time has been in my best interests.”

Lannette, QLD

“Opening my own business was a relatively daunting task. Prime and their extremely professional approach were essential in ensuring that it was executed properly. I would recommend Prime to anyone looking for leading advice with great customer service.”

James Reti, Reti Consulting

“I have been using Prime for many years and one of the things I appreciate most is that their advice is only a phone call away and I always feel as a customer that Prime have my best interest at heart. It is a very personal service executed by very personable and helpful individuals. My advisor feels like family I am very satisfied.”

Christopher, ACT

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