Who We Help
Advice built around where you are today and where you want to go.
Financial priorities change throughout life. What matters while you're building wealth can be very different from the decisions you face as retirement approaches or once you've retired.
At Johnston Financial, we provide personalised financial advice to help you understand your options, make informed decisions and put a clear plan in place for the future.
Building Your Wealth
Build today with tomorrow in mind.
During your working years, there can be a lot competing for your attention: your family, mortgage, career, lifestyle and longer-term financial goals.
It's also a time when seemingly small financial decisions can have an impact on the future.
We can help you bring the different parts of your finances together and develop a strategy focused on what's important to you.
We can help you consider:
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making more of your superannuation
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building investments outside super
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protecting you and your family through personal insurance
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balancing current financial commitments with longer-term goals
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reviewing your financial position as your circumstances change
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putting a structured financial plan in place
The goal?
To help you make informed financial decisions today while building towards the future you want.
Turn retirement from a question into a plan.
As retirement gets closer, financial decisions can become more important and more interconnected.
You may have accumulated superannuation, investments and other assets, but still have some big questions.
When can I retire?
How much will I need?
What should I do with my super?
Where will my retirement income come from?
Will my money last?
Could Centrelink form part of the picture?
Johnston Financial can help you bring these pieces together and develop a retirement strategy based on your financial position, objectives and the lifestyle you're working towards.
Your strategy may consider:
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your preferred retirement timeframe
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superannuation and contribution strategies
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retirement income requirements
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investment strategies
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structuring retirement income
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Centrelink considerations
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personal insurance needs as circumstances change
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the sustainability of your retirement strategy
The goal?
To give you a clearer picture of what retirement could look like and the steps you can take to prepare for it.
Preparing for Retirement
Enjoying Retirement
Make the most of what you've built.
Reaching retirement doesn't mean financial planning stops.
The focus often changes from accumulating wealth to creating income, managing investments and making your money work effectively throughout retirement.
We can help you manage your financial strategy as your lifestyle, spending needs and circumstances evolve.
We can help you consider:
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structuring and managing retirement income
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superannuation and pension strategies
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investment management
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Centrelink entitlements and considerations
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managing your cash flow and income needs
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reviewing your strategy as circumstances change
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planning for longer-term financial needs
The goal?
To help you enjoy retirement with a clear financial strategy and ongoing support when you need it.
Not sure where you fit?
That's completely fine.
Financial planning doesn't always fall neatly into one stage of life. Your circumstances, priorities and goals are personal to you.
A conversation gives us an opportunity to understand where you are today and what you'd like to achieve.
Let's start with what's important to you.