• Personal Financial Health Check

  • It’s never too late to review your financial position. A financial health check can quickly identify if you have room for improvement.

     

    Please note dmca advisory will be able to view your responses.

  • Personal Information

  • Income & Expenses

  • Are you spending more than you earn?
  • Do you pay your credit card debt in full each month?
  • Do you feel you have some surplus cash each week or month that you could allocate to a regular savings plan?

  • Managing Debt

  • How comfortably are you managing your mortgage payments?
  • If you had an unexpected $5,000 expense would you be able to fund it?
  • How comfortable are you with the idea of borrowing money to build wealth?

  • Savings, Superannuation & Retirement

  • Do you have more than one super fund?
  • Do you understand compound interest, asset classes, the risk return trade-off and diversification?
  • Is your super on track to provide you with adequate income in retirement?
  • Do you have any investments other than cash and superannuation?
  • Do you have a clear plan of when you would like to retire and how much income you would like to earn to maintain your ideal lifestyle in retirement?

  • Protecting Your Lifestyle

  • Do you have your home, contents and motor vehicles insured?
  • If you were unable to work for 6 months due to sickness or injury would you run out of money?
  • Would your spouse and/or dependents be left in a sound financial position if you died unexpectedly?

  • Estate Planning

  • Do you have up to date wills and enduring powers of attorney?
  • Have you nominated a death beneficiary for your superannuation?
  • Do you keep all of your important financial paperwork in one place?
  • Should be Empty: