ES&A Financial Services

28/02/2022

There is a lot to think about when planning your retirement. Working out how much money you need in retirement is not easy. Most people need to replace some, or all, of their current income with investment income.

By planning your retirement early you can ensure you are taking advantage of the strategies and the time you have available to you.

Here's how we can help you!

✅ Let's plan a retirement strategy that suits your personal and financial circumstances
✅ We'll evaluate the different options available to you when moving into retirement
✅ We will develop tax-effective strategies that can help to grow your capital and provide you with an income over time.
✅ And we can assist with Centrelink entitlements. We are very familiar with how Centrelink operates, so rest assured, if you are eligible for Centrelink benefits, we will help maximize your entitlements.

We are here to help!

You can book a complimentary two-hour appointment with a senior financial adviser. Some conditions do apply, so please give us a call on 07 5445 6044 to make your appointment.

Don't miss out... Call today!

24/02/2022

Is your retirement getting closer?

We bet you can't wait to get out there and enjoy your well deserved retirement!

But before you do, there are some things you should ask yourself

👉 Are my finances organised?
👉 Do I have a solid retirement plan?
👉 What do I want to do when I retire?
👉 What will be my income sources?
👉 Do I have my health care covered?
👉 Do I have an income tax strategy in place?

Could you answer those questions with ease?

If so, that's great! We are happy your retirement plan is in place.

But if not, our team is here to help take the stress out of planning your retirement to ensure a smooth transition and future for your family.

Give us a call on 07 5445 6044 to learn more.

21/02/2022

Do you need help to reach your goals? Or have you had some important life changes recently?

We’ll work closely with you to create a personalised financial plan designed to give you confidence about your financial future.

Together, we will identify your lifestyle goals and guide you to reach them.

With a clear plan in place, you can enjoy the freedom to write your own story with a greater opportunity to achieve financial freedom!

Contact us today to see how we can help you plan a smooth transition into your retirement dream!

16/02/2022

Hi everyone,

I wanted to take a moment to introduce myself to those of you I haven't yet met.

My name is Julie Schafer and I'm the Principal and Senior Advisor here at ES&A Finance.

💥 I have been in the financial services industry for over 20 years.
💥 I love helping clients to make smart choices about their money so they can fulfill their hopes and dreams.
💥 I believe in taking the time needed to form long lasting and deep connections with my clients as we get to talk about what is truly important to them - and that is truly important to me.
💥 I enjoying working as a team with Clients and the other important Advisers they need on their side.
💥 I believe education is the key to helping our Clients and that we should never stop learning.

If you need a review of your current financial situation to help plan for the future, give me a call on 07 5445 6044 to claim your free consultation and to see how we can help.

13/02/2022

Today at ES&A Financial Services, we are celebrating World Radio Day 📻

World Radio Day encourages connection, access to information and diversity.

Radio is still the most consumed media in the world, and it plays an important role in giving a voice to and shaping our community, and that's why we believe it deserves to be celebrated!

Julie has an advice segment on 106.5FM every week. You can catch her Tuesdays on Sunshine FM.

Don't forget to tune in!

👉 If you have something you'd like Julie to discuss on air, drop your questions in the comments below!

10/02/2022

We are well and truly back into the swing of things after the Christmas and summer break!

And we wanted to take this opportunity to learn how we can help you in 2022. What burning questions did you have for us?

👉 Do you want to learn about planning for your retirement?
👉 Are you interested in investing in property this year?
👉 Do you want to swap over to a self-managed super fund?

Whatever your questions may be, comment below, and we will be in touch to help!

07/02/2022

"Intentions are an opportunity to design and take ownership of our lived experience," - Amina AlTai

Have you set your financial intentions for 2022 yet?

If not, you can set your intentions today by asking yourself the following five questions👇🏻

1. In which areas do I wish to grow in 2022?
2. Why do I want to grow in these areas?
3. How will achieving my goals make me feel?
4. What do I need to let go of to achieve my goals this year?
5. How do I want my finances to look a year from now?

Now that you have asked yourself and hopefully answered the above questions, it's time to set specific action steps to help you fulfil your 2022 intentions.

Our top tip is to break them down into smaller, more achievable steps you can complete over the year.

Life gets busy, so it is important to reinforce your intentions daily. You can do this easily by having sticky notes in your home or by setting them as your mobile or desktop wallpaper.

Let us know below if this helped you set your 2022 financial intentions!

02/02/2022

February is filled with positive initiatives to spread kindness and make those around you feel good!

is a month-long initiative encouraging people to perform random acts of kindness for others in the community.

So how can you intentionally make others feel good today?

It's easy👇🏻

Smile at a stranger
Pay for someone's coffee
Send your friends and family a thoughtful text
Cook dinner for your neighbour
Donate your time to a charity or your friends and family

The list goes on...

Don't forget that random acts of kindness make you feel good too!

What good deeds are you going to do today, this month and beyond?

05/01/2022

It’s one of the most common questions financial advisers get...

Should you pay down the mortgage or salary sacrifice into your superannuation?

Deciding on the best approach is different for each individual and depends on economic factors such as interest rates and the performance of your investment mix.

If you’d like to achieve your wealth and personal finance goals sooner, you can claim a complimentary, NO OBLIGATION two-hour appointment with one of our Senior Financial Advisers.

Some conditions apply, so call our office on 07 5445 6044 today!

31/12/2021

29/12/2021

We spend our lives planning. Planning our next holiday, preparing for a family, maybe buying a house... Realising our plans requires objectives, information, organisation and compromise. Successful plans will also require a significant degree of financial planning. We have a three-stage financial planning process we use to significantly increase the potential of developing a winning financial plan.

Information Gathering: In this first stage, we ask you many questions to determine your long and short term financial goals. We'll also consider your current situation, assets and liabilities, expenses and income and explore your risk tolerance.

Analysis and Recommendation: With the information you have given us, we will develop a strategy to help achieve your financial goals. Sometimes we even suggest several options to you.

Be prepared to ask lots of questions! We want to make sure you understand the plan we recommend. Then, you can take the information with you to read and consider further. It is not uncommon for some clients to meet with their financial advisor again and bring their accountant into the discussion.

Implementation and Review: Once you have agreed on a plan, we can implement it. This may involve opening new accounts, consolidating your retirement accounts and other assets, purchasing insurance, and more.

Our financial advisor will assist you every step of the way to ensure your financial plan is implemented with a minimum of fuss. Once your plan is in place, you'll review it regularly with your advisor to ensure it continues to meet your changing needs.

Why not give us a call today to see how the team at ES&A Financial Services can help you with your long-term financial goals.