A financial planner’s open letter to the people of Adelaide

What is ‘financial planning’, and how can financial advice help
Adelaide residents?


Dear Adelaide resident,

Like you, the team here at HSW Financial Advisers loves Adelaide. We all live and work here, and our financial planners have been serving the people of Adelaide with good advice for 25 years.

But even today we are often asked by people who aren’t yet clients: what is financial planning and how can it help me?

There are many different definitions of financial planning which could be considered accurate. As defined in Wikipedia, a financial plan is:

A comprehensive evaluation of someone's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans.[1] This often includes a budget which organizes an individual's finances and sometimes includes a series of steps or specific goals for spending and saving in the future. This plan allocates future income to various types of expenses, such as rent or utilities, and also reserves some income for short-term and long-term savings. A financial plan is sometimes referred to as an investment plan, but in personal finance a financial plan can focus on other specific areas such as risk management, estates, or retirement.

We believe that, put simply, financial planning is the provision of professional advice to help you grow, manage and protect your wealth. It helps you achieve your dreams and goals in life.

At HSW Financial Advisers, we think all Adelaide residents deserve to make the most of their financial resources and to live the lifestyle they want. Financial planning is actually innately democratic because it can achieve powerful results for nearly everyone, regardless of current wealth or financial background.

Indeed, there is a common misconception regarding financial planning in Adelaide. Many people still think that financial planners are confined to the exclusive domain of the wealthy who have lots of money to manage.

This is most definitely not the case. In today’s world of compulsory superannuation, high housing debt, high education and living costs and growing expectations that retirees will fund themselves, we believe that almost everyone can benefit from sound financial planning and advice. Although HSW Financial Advisers does provide wealth management services and investment advice for some of Adelaide’s wealthy individuals and business owners, our core focus is on helping Adelaide families.

Our financial planning services will help you adapt and thrive through the major ‘life events’ you are likely to encounter, so that you become more financially independent:

  • Starting a family
  • Buying your first home
  • Getting a mortgage to borrow for a property
  • Starting a business
  • Growing wealth, active investing
  • Retirement
  • Entering a nursing home

And help you manage the risks we hope you never have to face…

  • Serious accident or disability (of you or your spouse)
  • Loss of income due to serious illness (of you or your spouse)
  • Death of family member

Whatever stage you’re at, sound financial planning will help you and your family successfully navigate the now and transition to the future. To achieve this for you, any good Adelaide financial advisory firm will be expert in:

  • Family protection / life insurance
  • Investment advice
  • Superannuation
  • Self-managed super funds (SMSF)
  • Retirement planning
  • Centrelink benefits
  • Aged care

At HSW Financial Advisers, we have the experienced team you’re looking for. We believe in the power of good financial planning to improve lives, because it’s what we do - every day.

All positive change begins with a conversation. I encourage you to pick up the phone and talk with us – it costs nothing for you to explore how financial planning might change your life for the better too."


Disclaimer: after your initial FREE consultation with HSW Financial Advisers fees may apply if you instruct us to provide advice with a financial plan.