Meeting your Future Lifestyle Needs

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Meeting your Future Lifestyle Needs


Whether you are at the beginning of your working life, well established, or already enjoying your retirement, professional independent financial advice can make a difference when it comes to achieving your financial goals and meeting your future lifestyle needs.

Through our financial advisers, you can take advantage of a range of strategic financial services which include:

  • Independent investment advice to meet your individual needs, including where to find the best value investments and how to make your savings work harder and build security for your future.
  • Buying and selling shares.
  • Investment opportunities.
  • Superannuation advice to earn more from your super investments and make sure you reach your retirement goals.
  • Retirement income advice to maximise your earnings, minimise tax, secure any social security entitlement, and preserve your standard of living in retirement.
  • Final advice about products that will provide flexible portfolio administration, taking care of all the paperwork and tax calculations.
  • Wise investment of an inheritance, redundancy payment or other lump sum.
  • Insurance and estate planning guidance.

Our financial advisers can assess your individual circumstances, prepare a personal financial plan to help you achieve your financial objectives, develop an investment strategy and suggest a range of quality investments that will suit your present and future needs.

Choosing the right financial adviser

Many people don’t consider consulting a financial adviser until they are close to retirement. However, to reach a reasonable level of financial security, the earlier you start a regular plan of saving and investing, the better.

Specialist advice

While your financial institution (Banks) will continue handling your regular transactions such as daily savings, term deposits and personal or housing loans, a financial adviser will provide specialist advice on strategies and financial options for wealth creation, personal insurance, superannuation saving, retirement and investments such as shares, managed funds and property trusts.

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However, choosing the right financial adviser is a crucial component of a successful financial strategy. Some important factors such as qualifications, licence, services offered and fees should be considered when looking for a financial planner.

The right qualifications

Some financial advisers are originally qualified in accounting, stockbroking or other fields of finance. Others have undertaken specialised training in investment and retirement planning.

To give advice on securities (debentures, shares, bonds and managed funds), advisers must either be licensed by the Australian Securities and Investments Commission (ASIC) or be an Authorised Representative of a licensee, who is responsible for their monitoring, training and supervision.

There are many duties and responsibilities imposed on individual advisers by law, policy and industry standards.

It is also important that the adviser has access to research on investment products and information on issues in the business and legislative environment that may affect investment decisions. These may be built into an ongoing service in which the adviser regularly reviews your investment strategy and portfolio performance.

Disclosure of fees

The methods of remuneration for financial advisers may vary. Chan & Naylor Wealth advisers do not receive commissions or volume payments but instead charges a fee based on the service you require and agree to. This fee will often cover preparation of your financial plan and establishment of the recommended investments.

We will inform you of the fee details before you make your investment decisions. Importantly, you must be satisfied that the planner’s advice gives you the most suitable combination of investments for your needs.

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If you would like to know more about how we may be able to help you plan for your future, either call on 1300 99 77 34 or email your enquiry to for a complementary initial consultation.


Disclaimer: This article contains general information; before you make any financial or investment decision you should seek professional advice to take into account your individual objectives, financial situation and individual needs. Click for more detail regarding this disclaimer.


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