Very few of us consider our long-term financial future and whether we can fund our lives, hopes and dreams - although we know we should.

You don't need a lot of money to see a Financial Planner. However, making the decision to prepare a financial plan puts you in the driver's seat. You are pursuing financial security, which ultimately gives you freedom and choice.

No matter your age, income, experience or goals, a Suncorp Financial Planner may be able to help you increase your wealth, save on tax and secure the lifestyle you want.

A Suncorp Financial Planner can help with advice if you:

• are single, married, widowed or divorced
• have started you first job or received a promotion
• have your first mortgage or own a house
• have a family or are planning children
• need to fund the kids' education
• have sold a property or business
• have received an inheritance, redundancy or insurance payout
• are self employed
• want to retire early or are preparing for retirement

Starting out

No matter what you're starting we will help you get a foot up the financial ladder faster. Obtain advice on:

• Saving for a car
• Getting a home deposit
• Making extra money through investing in managed funds
• Superannuation
• Protecting your income

Settling down

Whether you're settling down or just getting a little older and wiser, your priorities often change. They may involve buying a home, starting a family or building an investment portfolio. Speak to a Suncorp Financial Planner about:

• Investing over the long-term
• Reducing investment risk
• Contributing to superannuation
• Protecting your family, income and assets

Family life

Racing to school, making lunches, weekend sport, work... family life can be hectic. It's often hard to find time to concentrate on where you're heading financially. A Suncorp Financial Planner will take the hassle out financial planning, so when the children have grown, so has your wealth. Get direction on:

• Creating education plans for your children
• Investing tax-effectively
• Borrowing money to invest
• Maximising the value of your superannuation
• Protecting what you've worked so hard for - personal insurance to protect your family, income & assets

Empty nest

The children have all grown up and finally left home, so you suddenly find you have extra money. This is the perfect time to focus on building wealth for the future. Learn how to consolidate your wealth through:

• Taking advantage of tax-effective investments
• Using the equity in your home to invest
• Maximising the value of your superannuation
• Personal insurance to protect your family, income & assets

Retirement

After working so hard for so long, we all want to have enough money to enjoy life and do all the things we haven't had time to do. Find out about tax-effective retirement solutions and...

• Making your money last in retirement
• Enhancing your lifestyle
• Maximising the value of your superannuation
• Maximising Centrelink entitlements

Widowed or divorced

The new responsibilities of budgeting and financial planning are often daunting to people who have been in a relationship for many years. Reduce your financial stress following divorce or a partner's death by:

• Investing the proceeds of an insurance payment
• Managing and consolidating debts
• Budgeting for the changes in your lifestyle
• Providing advice on the best investment and superannuation options for your situation
• Personal insurance to protect your family, income & assets

Received a redundancy, inheritance or insurance payout

When you experience a significant change in your work or financial situation, it is important to get advice on how you can make the most of the opportunity so that your money will make a positive difference over the long term. A Suncorp Financial Planner can:

• Suggest the most appropriate investment options for your situation
• Help you manage and consolidate debts
• Explain the superannuation and insurance impacts of your payout

Self employed

If you are self employed or considering self employment, you are likely to have specific financial needs. Think about:

• Investing outside of your business
• Advice on the most appropriate superannuation options
• Protecting your family, income & assets

Financial Planners will provide an honest assessment of your financial situation, help identify your goals and customise a plan that best suits you.

They can help build and protect your wealth by assisting you to:

• invest for your future
• use the equity in your home to invest
• reduce the tax you pay
• take advantage of economic and legislative changes
• make the most of your superannuation
• provide you with advice on a selection of investment options
• secure your family's financial future with affordable insurance options
• plan for your children's education
• make your money last in retirement
• maximise your Centrelink entitlements
• make the most of redundancies, inheritance and insurance clam payouts.

A Suncorp Financial Planner will help keep you on the path to financial success, by providing you with the advice and support you need.

Suncorp Financial Planners are qualified, experienced, and will take the time to listen, explain things clearly and keep you informed. They are committed to understanding your needs and identifying the best ways to achieve your goals.

Suncorp is currently Australia's sixth largest bank and third largest general insurance group, with assets of more than $73 billion and $24 billion in funds under management.

You can be confident in the knowledge that Suncorp has experience in banking, insurance, financial planning and superannuation dating back to 1902. Today, Suncorp has the greatest reach of any bank into regional Queensland, and a rapidly growing presence across the country.