Are you financially fit?
Knowing what is happening with your money is not enough; you need to know how to make it work harder for you!
- Given up managing your personal budget?
- Seen your savings disappear or unplanned expenses?
- Become frustrated trying to repay your debts?
- Struggled to save a deposit for your first home?
- Given up on your dream holiday?
- Shuffled money around to make ends meet?
Our cash flow management advice can get you on the path to financial wellbeing.
With any plans you have for your future, it’s important you know how financially fit you really are. By efficiently managing your finances, you can take control of your financial health and be confident that the structure you put in place today will help you manage your finances now, and into the future.
Understand where you spend your money
- Structure your finances so your money is where you need it to be
- Set up a guilt-free spending plan
- Find the money that you think you have lost.
How professional advice can help
Working with a professional financial adviser can help you to see where there are gaps and opportunities in your financial management plan. Knowing what is happening with your money is not enough; you need to know how to make it work harder for you!
A qualified, professional adviser is like a good training coach. We will:
- Understand who you are, know what is important to you and discuss how to help you so that the advice given is relevant and achievable
- Examine your financial strengths and weaknesses and invest the time into implementing a strategy that is appropriate for you
- Show you how, whether you have a little or a lot, good financial management can help you reach your financial goals
- Empower you to take control of your finances.
Disclaimer: This report has been prepared by the IOOF Research team for Millennium3 Financial Services Pty Ltd ABN 61 094 529 987, AFSL 244252. Millennium3 Financial Services Pty Ltd is a company within the IOOF group of companies consisting of IOOF Holdings Limited ABN 49 100 103 722 and its related bodies corporate. This report is current as at the date of issue but may be superseded by future publications. The information in the report may not be reproduced, distributed or published by any recipient for any purpose without the prior written consent of Millennium3 Financial Services Pty Ltd. This report may be used on the express condition that you have obtained a copy of the Millennium3 Financial Services Pty Ltd Financial Services Guide (FSG) from the website. Millennium3 Financial Services Pty Ltd and/or its associated entities, directors and/or its employees may have a material interest in, and may earn brokerage from, any securities or other financial products referred to in this report, or may provide services to the companies referred to in this report. This report is not available for distribution outside Australia and may not be passed on to any third person without the prior written consent of Millennium3 Financial Services Pty Ltd. Millennium3 Financial Services Pty Ltd and associated persons (including persons from whom information in this report is sourced) may do business or seek to do business with companies covered in its research reports. As a result, investors should be aware that the firms or other such persons may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as a single factor in making an investment decision. This report has been prepared in good faith and with reasonable care. Neither Millennium3 Financial Services Pty Ltd nor any other person makes any representation or warranty, express or implied, as to the accuracy, reliability, reasonableness or completeness of the contents of this document (including any projections, forecasts, estimates, prospects and returns and any omissions from this document). To the maximum extent permitted by law Millennium3 Financial Services Pty Ltd, its related bodies corporate and their respective officers, employees, representatives and associates disclaim and exclude all liability for any loss or damage (whether foreseeable or not foreseeable) suffered or incurred by any person acting on any information (including any projections, forecasts, estimates, prospects and returns) provided in, or omitted from this report. General Advice Disclaimer: The information in this report is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this report, you should assess your own circumstances or seek advice from a financial adviser. Where applicable, you should obtain and consider a copy of the Product Disclosure Statement, prospectus or other disclosure material relevant to the financial product before you acquire a financial product. It is important to note that investments may go up and down and past performance is not an indicator of future performance. For information regarding any potential conflicts of interest and analyst holdings; IOOF Research Team’s coverage criteria, methodology and spread of ratings; and summary information about the qualifications and experience of the IOOF Research Team please visit https://www.ioof.com.au/adviser/investment_funds/ioof_advice_research_process.