Financial Planner ( Financial Adviser / Funds Manager)

The terms Financial Planner, Financial Advisor and Funds Manager quite often refer to a professional in the finance industry who's job it is to offer investment options or alternatives and assist the investor by exposing them to a range of financial investment strategies. A Financial Planner's objective is to increase the investors wealth thereby aiding them to achieve their personal financial goals. A Financial Planner has the ability to advise in the many different investing areas. These areas include: Tax Effective Investing, Redundancy, Superannuation, Retirement Plans, Pension Schemes, Retirement, Annuities and Allocated Pensions, Personal Risk Insurance, Managed Funds, Margin Lending, Estate Planning. A Financial Planners role may also include helping the investor to maximize government benefits such as the Age Pension.

Features and Benefits - Using a Financial Planner

• Investors can start with a low initial investment balance. Quite often this investment can be as low as $1000
• There are a wide range of funds and investments to choose from e.g. cash, shares, property
• The fund is managed by qualified professionals in the finance industry
• The Financial Planner or Financial Advisor assists the investor to increase wealth for the longer term
• Some Investment and Planning products are designed to provide more tax effective strategies
• The Financial Planner or Advisor can set the investor up with a Regular Savings Plan
• Financial Planning and Management is aimed at the conservative investor, moderate investor or aggressive investor
• A Financial Planner Assists In Advising And Implementation Of Wealth Creation Strategies

Financial Counselor:

There is often confusion between the terms Financial Advisor and Financial Councelor. A Financial Planner / Financial Adviser generally assists the established investor, whereas the Financial Counselor generally assists clients who would need assistance in money management.

The Financial Councelor helps develop budgeting skills, improve savings and strengthen money management skills. These skills generally help pay off debts, track income and expenses. A Financial Counselor helps control spending and regain control of finances. A Financial Councelor can also help with spending behaviors by educating their client about planning, organizing and assessing current and future financial situation. A Financial Councelor can help work through money problem by changing spending habits which contribute to financial hardship and struggle. A Financial Councelor can teach money management skills such as balancing a check book, track income and expenses, saving and investing.