Financial Planning and Advice
Tailored to Your Life Goals

Financial planning and advice means setting goals, understanding your current financial situation, and creating a plan to reach those goals over time. Many Australians feel unsure about how to get from where they are now to where they want to be financially. A good plan helps you make smart choices, reduce stress, and build wealth with confidence.

Getting help from a professional is important—just like you’d see a doctor for your health, it makes sense to get expert advice for your finances. Want to learn more? Read our article: "What is Financial Planning?"

A financial adviser gives expert financial planning and advice tailored to your goals. This can include budgeting, investing, insurance, superannuation, and retirement planning. It starts with a conversation about what matters to you; your goals, your current financial situation, and your future plans.

From there, we create a clear, written plan you can follow. We help you stay on track, give feedback, and adjust the plan as your life changes. Our goal is to make your financial journey easier, more confident, and more successful.

Look for an adviser with strong experience, trusted qualifications like Certified Financial Planner®, and a client-first approach. Make sure they’re listed on the ASIC Financial Advisers Register.

Most firms offer a free first meeting, so you can learn how the adviser works, how they might help you, and what the next steps could be. It’s important to choose someone whose values match yours and who you feel comfortable with this could be a long-term relationship.

Choose someone who offers personalised financial planning and advice, like the team at Discover Financial Partners. Want more tips? Read our article: "5 Steps to Choosing the Best Financial Advisor in Australia?"

Financial planning and advice helps you understand where your money goes, track your income and expenses, and find ways to save more. A personalised plan gives you control over your cash flow and helps you work toward your financial goals.

We start by looking at your past spending to understand your real budget. Then we plan for your future needs and set up simple, automated systems to help you stay on track. Our goal is to make managing money easier and less stressful.

The amount depends on your lifestyle and goals and isn't a one-size fits all. The Association of Superannuation Funds of Australia (ASFA) updates quarterly its figures for minimum annual cost for comfortable retirement. This can be a starting point but with professional financial planning and advice, we'll help you calculate your target and build a strategy to achieve it.

With professional financial planning and advice, we’ll help you work out your personal retirement target and build a strategy to reach it. We look at your current finances, future lifestyle goals, and any changes that may come along the way.

A personalised plan gives you clarity, confidence, and control, so you can retire on your terms.

It’s best to start financial planning and advice for retirement as early as possible, ideally in your 30s or 40s. This gives your superannuation and investments more time to grow. But even if you start later, a good plan can still make a big difference.

There are also key life moments when financial advice is especially helpful, like changing jobs, starting a family, or receiving an inheritance. The earlier you get advice, the more confident and prepared you’ll feel.

Want to learn more? Read our article: "When Should You Get Financial Advice? 6 Key Moments to Seek Help."

Good financial planning and advice includes smart investment strategies that match your goals and comfort with risk. This often means spreading your money across different types of investments, making regular contributions, and using tax-effective options to grow your wealth.

The best investment strategy is one that:

• You understand clearly and know how it fits into your overall financial plan

• Is backed by a trusted investment committee or research process

• Is designed to meet your future needs and stays aligned with your goals

At Discover Financial Partners, we make sure your investment strategy is explained in simple terms, tailored to your life, and reviewed regularly to keep you on track.

Financial planning and advice often includes looking at personal insurance to protect you and your family from unexpected events. This may include:

• Life insurance

• Income protection

• Total and permanent disability (TPD) cover

• Trauma cover

We help you decide which types of cover suit your situation, goals, and budget. Personalised advice means your insurance works as part of your overall financial plan, giving you peace of mind and protecting what matters most.

Yes. Financial planning and advice can help you take control of your debt. We work with you to prioritise repayments, reduce interest, and explore options like loan consolidation. A clear strategy helps you pay off debt faster and with less stress.

We also help you find the right balance between paying down debt and building wealth. With a personalised plan, you can stay on track and make confident financial decisions.

Discover Financial Partners offers expert financial planning and advice tailored to individuals, families, professionals, and retirees. We take a relationship-first approach, helping you make confident decisions at every stage of life.

Here’s why clients choose us:

• Certified Expertise: Our team includes Certified Financial Planners® and members of the Financial Planning Association (FPA)

• Independent Advice: We’re not tied to any financial institution, so our recommendations are always in your best interest.

• Tailored Strategies: Every plan is built around your goals, risk appetite, and life stage.

• Proven Results: We’ve helped hundreds of Australians grow wealth, protect assets, and retire with confidence.

• Local Insight: With offices in Melbourne and the Gold Coast, we understand the financial landscape and lifestyle goals unique to these communities.

• Long-Term Support: We’re with you for the journey, adjusting your strategy as life evolves.

• Client Trust: Many clients have worked with us for over a decade, and now trust us to guide the next generation of their families1 .

Want to learn more? Book a consultation and see how our personalised advice can support your financial future.