How we can help.
One Road Wealth understands that every financial journey is unique.
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Whether you're just starting to build your foundation, growing your wealth, planning for retirement, or managing your finances in retirement, we're here to guide you through every stage of life.
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Our team of experienced financial planners provides personalised advice, helping you make informed decisions that align with your goals and priorities.
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Explore how we can help you achieve financial security and peace of mind for the future.
01.
Starting Out: Building the Foundation
Life Stage: Early career, typically in your 20s and 30s.
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Focus Areas:
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Managing debt and setting a budget, especially after completing education.
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Preparing for major milestones like moving out, getting married, or starting a family.
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Building an emergency fund to navigate unexpected life events.
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Establishing good financial habits, such as saving and investing.
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Learning about superannuation and starting retirement planning.
02.
Growing Wealth: Establishing Stability
Life Stage: Mid-career, typically in your 30s to 40s.
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Focus Areas:
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Growing income through career advancements, business ventures, or promotions.
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Saving for children’s education and balancing family-related expenses.
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Investing in property or shares to build long-term wealth.
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Adjusting financial goals to align with life changes like expanding a family, relocating, or caring for ageing parents.
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Protecting wealth with insurance and starting estate planning.
Accumulating Wealth: Preparing for the Future
Life Stage: Late career, typically in your 40s to 50s.
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Focus Areas:
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Maximising savings as you approach peak earning years and possibly experience promotions or job changes.
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Planning for significant expenses like weddings, supporting adult children, or funding lifestyle upgrades.
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Ensuring your superannuation and other investments are growing in line with retirement goals.
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Preparing for potential health changes or unexpected family responsibilities.
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Regularly updating your estate plans and discussing intergenerational wealth transfer.
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04.
Transitioning Wealth: Retirement Planning
Life Stage: Approaching retirement, typically in your 50s to 60s.
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Focus Areas:
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Consolidating assets to fund your lifestyle during retirement.
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Addressing life transitions, such as children leaving home or becoming grandparents.
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Reducing debt and ensuring all financial commitments are manageable.
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Structuring a retirement income strategy to provide financial security and flexibility.
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Reviewing superannuation balances and leveraging tax benefits.
05.
Preserving Wealth: Living in Retirement
Life Stage: Post-retirement, typically from your 60s onwards.
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Focus Areas:
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Adjusting finances to accommodate lifestyle changes, such as downsizing your home or pursuing travel.
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Managing health-related expenses, including aged care or medical needs.
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Structuring income to ensure your savings last throughout your retirement.
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Leaving a legacy for your family, including ensuring a smooth wealth transfer to the next generation.
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Supporting family events, such as milestone celebrations or providing financial gifts.