Financial Planner - Who are they? How can they help you?

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Financial Planner – Who are they? How can they help you?

financial planner

WHAT IS A FINANCIAL PLANNER?

A financial planner is someone you would hire to manage your personal finances for retirement or any of your financial needs.

You don’t need to be wealthy to require the use of a financial planner, in fact they actually help you to create wealth.

Identifying and implementing a strategy or a plan to help you better manage your money is their main goal.

A good financial planner will look at your current lifestyle and the lifestyle that you want in the future and apply strategy’s to get you there.

For a cash loan options, check us out here.

FINANCIAL PLANNERS CAN EXPLAIN HOW YOU CAN SAVE AND PLAN FOR YOUR FUTURE!

Most people get confused with the technical jargon that comes with financial planning so they end up avoiding it all together which is not a good idea!

Financial planners can take the confusion out of the situation and can show you how to save money on your mortgage.

They can also ensure you have enough money for your children’s education or that trip around the world you wanted to take.

They can help you set out a plan for your financial situation as it is now and how to get where you want to be in the future.

HOW DO I CHOOSE A FINANCIAL PLANNER?

You can find a financial planner through recommendations or you can visit the FPA website and use their “Find a Planner” tool at www.fpa.com.au/about-financial-planning/faqs

Not all financial planners are the same, if you engage a financial planner who is a member of the FPA they are required to adhere to strict rules that are beneficial to their clients.

They are required to:

  • Have a duty put their clients interests first.
  • Adhere to strict codes of conduct and ethics inline with the FPA.
  • They are accountable to the Australian Leading Professional Associates.
  • Complete training every year to keep their knowledge and skills up to date.
  • Are obligated to explain and document their fee’s and charges to you in a clear and transparent way.

Reference: Financial Planning Association of Australia

Picking the right financial planner is the most important decision, there is a loophole in the legal system that allows many different professionals to call themselves financial planners.

When choosing your financial planner ensure that they have appropriate qualifications such as a membership to the FPA and are a Certified Financial Planner.

FEES

How much should a Financial Planner cost? Is usually the next question customers ask when looking for a Financial Planner.

This can vary depending on the complexity of your situation.

An initial fee is usually charged to plan a strategy and recommendations for your future financial plan.

You may also be charged an administration fee and possibly an ongoing fee for your Financial Planner to review your plan to meet the changing economical environment.

FPA members are required to explain fee’s to their customers and ensure they understand and agree with the fee structure.

SAVING FOR THE FUTURE

Saving and investing is all about planning for your future because it is believed that with the continual aging population living longer and longer each generation. Superannuation will not be enough for people from all walks of life to live on.

This is why there is so much emphasis being put on financial planning and thinking about saving money for retirement as we need to be prepared that we could be living much longer than anyone anticipated and that costs money!

Therefore a good financial planner will help you to stop making financial decisions based in fear and help you to plan your financial steps, so that you can move forward towards them with confidence.

Want to know how to claim your tax back? Keep reading…

LOOKING FOR A PERSONAL LOAN?

Are you looking for a reliable lender? Well, you’ve come to the right place. Nifty Loans is the online lender making it hassle-free for Aussies to access cash fast. Our paperless loan application process could only take you a few minutes to complete. If you submit your application during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. Gone are the days of complicated application forms and extended waiting periods. Nifty is revolutionising the lending game! 

WHAT IF I HAVE BAD CREDIT? CAN I STILL GET A LOAN 

Yes! At Nifty, we don’t judge applicants based solely on their credit scores. We’ll look at where you’re at with your finances now instead of focussing on the past. Our team will usually take a look at read-only copies of your bank statements to get an idea of your income, spending habits and existing financial commitments. Our main objective is to make sure you can repay the loan. Nifty never lends cash to people who can not afford to make the repayments. We’ll conduct a thorough but fair assessment of your current financial situation. At Nifty, we are proud to be an open-minded lender. 

WE CARE ABOUT YOU!

At Nifty, we are proud to be a responsible lender. What does that mean? Essentially, it is our commitment to doing the right thing by you. We adhere strictly to ASIC’s Code of Responsible Lending which states that all online lenders must: 

  • Make reasonable inquiries about the consumer’s financial situation;
  • Take reasonable steps to verify the consumer’s financial situation;
  • Make a preliminary assessment of whether the credit contract is ‘not unsuitable’ for the consumer.

When you apply for a personal loan with Nifty you can rest easy in the knowledge that our team will be there to assist you every step of the way. If you would like to know more about responsible lending you can head to ASIC’s website (link: https://asic.gov.au/regulatory-resources/credit/responsible-lending/) or contact the Nifty team.


Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$5,000

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.