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Planning for sudden life changes isn’t easy but financial planning can help you prepare for your future. At Eclipse Financial Planning in The Whitsundays, we’ll guide you through unexpected stages of redundancy and divorce and separation. Losing a source of income can be stressful but we’ll explore your options to protect your wealth and adjust your spending plan. Separating from your partner may come with a number of expenses including child support and spouse maintenance. Our financial planners are on hand in South Brisbane, Proserpine, Airlie Beach, Bowen and on the Gold Coast to navigate your expenses and keep you on track to achieve your financial goals.
Looking to start a family? We’ll take into consideration your medical bills, public or private insurance options, child care costs, superannuation impacts and government benefits you may be entitled to.
One way of getting a head start on your financial position is to take our simple financial fitness survey. All that’s required is some basic information about your current situation and we’ll do the rest!
Changing Jobs & Redundancy
If you’re seeking a career or job change, or potential redundancy from your employer, how will your financial future be impacted? Depending on your stage in life, whether you’re a single income earner or looking to raise a family, our advisers will be with you to explore your options. We’ll listen to you to understand your needs and identify appropriate strategies for you to consider.
Getting made redundant is never easy, but you can feel peace of mind knowing your personal finance adviser is on your side. We’ll discuss your options that may include:
- Your redundancy package & its impact on your financial position
- Termination payments & your leave entitlements
- Tax implications
- Superannuation impacts
Our goal is to assist in securing your financial position and minimise the impact of redundancy. So, if you’re in between jobs or preparing for redundancy, you need to have a plan in place.
Marriage & Starting A Family
Your financial situation as a single income earner may experience some sudden changes as a married couple. It’s a big moment in a couple’s life stage, and ensuring your finances are planned and equipped to handle any disruptions to your circumstances must be a priority. It’s essential you sit with your spouse to discuss your short, medium and long-term goals and if you’re looking to start a family, create a realistic budget. Making a list of your fixed expenses including rent or mortgage, household bills and entertainment can help you organise how you’ll manage existing debt as a team and tackle your financial goals together.
Sitting with a financial adviser can take the stress out of budgeting, making a savings plan and arranging your finances in preparation for raising a child and or family. We’ll explore your short and long-term goals and devise an action plan to help you achieve them.
At Eclipse Financial Planning, we understand you want to give your little one the best start in life. We’re committed to helping you turn your dreams into a reality.
Divorce & Separation
The ramifications of divorce or separating from your partner will affect many aspects of your life including financial. Not to mention the emotional distress this can have on you.
Your long-term goals, bills, expenses and source of income can all be impacted. While couples typically hire divorce lawyers, investing in a Financial Adviser will help you prepare and develop a plan for financial independence. If you’re getting divorced, there may be the unexpected need to provide spouse maintenance payments, child support and a loss of income from your partner. We’ll work at devising a fair and realistic plan to maintain your financial security and build your wealth.
While you may be facing divorce or separation, it’s imperative you adjust your plans to accommodate to sudden changes in income loss and expenses. Our Financial Advisers at Eclipse Financial Planning will be there to work out a personal financial strategy that’s tailored to your individual circumstances.