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The Big Picture – Why Financial Goals Matter

The Big Picture – Why Financial Goals Matter

Have you ever walked into your financial adviser's office and found yourself saying, "I just want to be better off financially"? It's a common feeling - but it's also a trap. Over the coming weeks, we will provide a practical roadmap to help you clarify your financial goals, communicate effectively with financial advisers, and create a plan that's both ambitious and flexible. With realistic examples and actionable steps, you'll move from vague aspirations to clear financial direction.

Have you ever walked into your financial adviser’s office and found yourself saying, “I just want to be better off financially”?

It’s a common feeling – but it’s also a trap.

When you don’t know what you truly want, you risk getting advice that’s generic, misaligned, or simply uninspiring. The statistics show this approach isn’t working for many Australians, with 10% having no emergency fund whatsoever. Without clear direction, your financial future is left to chance.

Money is a tool, not a destination. The real question isn’t “How much money do I need?” – it’s “What kind of life do I want to live?”

Financial goals aren’t just about numbers. They’re about creating the life you actually want:

  • Freedom to work on your own terms (perhaps aiming for the financial independence that some achieve by saving 60% of their income)
  • Security to protect your loved ones (like having that critical emergency fund of three months’ expenses, currently averaging $20,086 for Australians)
  • Opportunities to grow, give back, and explore

If you lead with a clear vision, your adviser can build a path that’s customised to you – not just a cookie-cutter investment portfolio. The difference between generic and personalised advice could mean reaching your goals years earlier.

This week’s small challenge:

  1. Take 10 minutes.
  2. Without thinking about money, write down your ultimate life vision.
  3. Ask yourself: If money wasn’t an obstacle, what would I do, who would I spend my time with, and what would make me feel fulfilled?

Consider writing down both material goals (like owning a home) and experience goals (like travelling for three months). Research shows people who write down their goals are 42% more likely to achieve them.

Next week, we’ll start translating this big vision into actionable goals with specific numbers and timeframes. In the meantime, please feel free to have a chat with us to help you identify your big picture goals.

 

 
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Everest Partners Private Wealth Management Pty Ltd is a corporate authorised representative (1278026) of Alliance Wealth Pty Ltd (ABN 93 161 647 007 and AFSL 449221)


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