Here are just some of the reasons why over 90% of Australians will be dead or dead broke by retirement:
*Source: Australian bureau of statistics.

Too much debt..

Do you feel pressure from your debt? Do you feel like you are working hard and making large payments but getting nowhere?

Australians are now more in debt than ever. Lines of credit offered by banks and other lending institutions are eating away at our equity and keeping us in debt longer than ever before.

Our Wealth Creation Program offers an effective long-term financial planning strategy to debt management and debt restructuring in order to reduce payments, pressure and uncertaintly.

Universal Financial Planning has the knowledge, skill and experience to understand what it takes to reduce debt and create equity quickly. Take control of your financial future now by making a call to us. Your first 2 hour consultation in one of our offices is complementary and obligation free. If necessary we can also come to you at a time that suits you.

Too much to worry about?

These days most people with a mortgage and young families don't have the time to be studying financial planning facts and figures. People are working longer hours and there are more financial pressures. Car payments, the mortgage, credit cards, interest free loans etc that all need to be paid. Not to mention the cost of living, interest and taxes. Even buying the first home these days seems daunting and out of reach to most people.

Today around the world more people are realising it makes so much sense to place your finances in the hands of someone you can trust who specialises in taxation, superannuation and all areas of money. We help you and guide you through the ever changing complex legislation relating to all areas of financial planning to assist you to retire in comfort.

Are you willing to take a gamble with you entire financial future? Place a call to us now and secure your financial future. Don't gamble it!

Little or no savings?

With the cost of living on the increase, more access to credit, and the increasing cost of entry into the property market, more and more people are finding it difficult to save anything.

Another major factor to this is that most people spend in an undisciplined manner and have no idea what it actually costs them to live.

Most people don't realise the importance of managing their personal home finances in such a way to allow some savings to be made. In fact most people spend everything they earn most of their lives. They only realise they should have done more when it's too late.

The team at Universal Financial Planning specialise in assisting you turn your home finances into a successful 'business', ensuring there is a profit at the end of the year rather than just more debt. And as part of our unique "Wealth Creation Program" our team can show you new and innovative ways to save money and make your money work for you. And not just by spending less, but by paying less tax, less interest and increasing the returns you may be currently getting on your investments.

Take the first step in securing your financial future, by working with Universal Financial Planning. What have you got to lose? If anything you have a whole lot to gain. The beginning of a secure and prosperous financial future.

Not enough protection?

When things get tough the first thing people cancel is their personal insurance. Having your bases covered with the correct level of insurance is an intelligent move. You never know when tragedy may strike.

What would happen to you if you hurt yourself at home or work and you were not covered? Who would pay the bills and provide an income to sustain your family and you lifestyle? It makes sense to insure your car or you home contents, yet many people don't see the importance of insuring their income.

Most People Don't Plan to Fail: They Fail to Plan...

Having a financial plan is the blue print of financial freedom.
Jay McNabb

The main reason so many people fail financially in Australia is they fail to plan. Having a detailed financial plan is your road map for your journey to financial success. You can't expect to get there quickly and efficiently without it.

A financial plan allows you to see how you are traveling financially today, and what your position will be in the future.

A good financial plan will take into account your current debts, assets liabilities, and estimate when you will finally be debt free. It should also take into account negative gearing scenarios and contain appropriate tax minimisation techniques. It should address how much super you will have and how long it will last, while also detailing your asset allocation of super or any other investments. It needs to be a plan for today, the future and more.

The unfortunate fact is that most people don't see value in planning or investing money in themselves to gain the education and coaching necessary to ensure success. The choices you make today will determine your future. Having a Universal financial planner draw up a detailed financial plan for you makes good sense.

The cost of doing nothing could be far greater than the investment you make with Universal Financial Planning.

For more detailed information about our service please call 1800 333 640.