A Financial Adviser not only provides advice on investments, but also examines a variety of areas designed to make the most of every dollar you have: buying a home, children’s education, tax planning and the most important of all goals – a comfortable retirement. APS Financial Planning encourages clients to focus on their individual needs, and how these can be achieved.

Is it time for panic?

For many investors, this is the first time they have experienced negative returns, which can be quite distressing. But let’s put this into perspective. Often when we see prices fall, many of us race in to catch a bargain, such as the annual Boxing Day sales. These represent the same items, with a reduced price tag. When it comes to shares, we react differently. Sometimes share prices do fall for a good reason and a thorough review should be undertaken before any investment is commenced. Remember, investing is a long-term strategy. Rather than panic, you can liaise with a financial planner to determine the best course of action during these troubling times.

Why is APS Financial Planning different from other financial advisers?

APS Financial Planning is part of the APS Benefits family of not-for-profit organisations including APS Tax Pty Ltd who can assist you with all things tax and accounting. APS Benefits is a 103-year-old organisation owned by its members, with the aim of providing quality advice without the profit push of commercial organisations.

Is now the time to start?

It’s been one year since the Australian sharemarket reached its peak, and while the world has experienced much change since then, have your personal financial goals changed? Like many clients, I am concerned and have reviewed my strategies, but my goals of reducing my mortgage, saving for a holiday and ensuring that I will have enough funds in retirement have remained unchanged. APS Financial Planning assists clients to reach their goals, not by speculating, but by investing in quality assets and working together to achieve financial dreams.

Times like the present highlight the need to seek expert advice from a trusted source. The APS family of not-for-profit businesses has been assisting Australians for over 103 years. Call Timothy Foster on 1300 131 809 to see how he can assist you. You will notice the difference.

APS Financial Planning Pty Ltd is a Corporate Authorised Representative of Futuro Financial Services Pty Ltd AFSL No. 238478. Comments are of a general nature and should not be viewed, nor intended to be specific investment advice.

www.apsfinplan.com.au

1300 131 809