How to Choose a Financial Advisor in Melbourne

Financial advisors are also used by individual people because they are able to access a wide range of financial information. They can provide valuable advice on saving for your future, how to reduce your debt and how to plan your financial affairs. Financial advisors can advise you on whether a pension is the right option for you, or whether you should consider investments.

Estate planning and financial advisor in Melbourne can help you manage your assets and ensure you have the right balance between your debts and assets. They can help you plan and organize your estate – whether this involves selling a home or building one. Advice on estate planning can assist you when it comes to making financial decisions such as planning ahead for your retirement and finding suitable investments. Financial advisor in Melbourne can also give you personalized financial advice for investing in your future. They can advise you on which investments would be best for your circumstances, whether it be through property, shares or other assets.

Your financial advisor in Melbourne can give you advice on how to save for your children’s education. School fees, particularly for private schools can be exorbitant, and financial advice can help you choose the best school for your child. It can also inform you about the various types of financial aids that are available, including grants, scholarships and bursaries. They can also give you advice on how to get your child into school – particularly if you have been out of school for several years. The financial assistance available to students is considerable.

Another area where financial advisers in Melbourne are useful is to plan for your post-retirement lifestyle. You may wish to settle into a new home, purchase a condominium unit or maybe even invest in a business. These decisions come with different variables such as location, accessibility and affordability of property, potential interest rates and taxation implications. A financial advisor in Melbourne will be able to guide you towards the options that best suit your circumstances.

There are a number of different types of financial advisors in Melbourne. Some specialize in a particular field such as tax planning and estate planning and advice on these subjects should only be undertaken by financial advisors in Melbourne. Other financial advisors can offer a more general range of financial advice on a variety of financial products such as pensions, investment funds, savings and insurance. The best financial advisors in Melbourne will be able to offer a full range of financial advice services including tax planning and investing for the future.

Before choosing a financial advisor in Melbourne, it is important to do your research. Find a person that you feel comfortable with and whose approach you are comfortable with. If you know the financial advisor through a previous employer or have known him or her for a while then it is likely that you are already familiar with them. It is also important to look for people who have a proven track record of success. Ask friends and family for referrals if possible and if none are available then look online. Names of financial advisors can also be found through the BBB and if possible ask for recommendations from reputable business organisations.

Get Yourself Organised With a Presentation Ring Binder

When things become untidy in any walk of life it can lead to items becoming lost, mistakes being made and could even result in you getting into trouble. On the other hand, when you organise things correctly it can ensure that everything is kept in one place, make you look like a competent person and guarantee that you can place your hand on anything whenever you need it. There are many different ways of becoming a better organised person or business to help avoid stressful situations.

Presentation ring binders and folders are commonly used as a way in which you can keep important documentation together for your own future reference or if you wish to present information to others in a clean and tidy manner. Binders are particularly useful as you can easily locate information by using plastic pockets and dividers inside them. It also means that the details inside will be prevented from becoming tatty looking or crumpled.

Most binders will also come with a clear plastic overlay on the front and spine of the binder so that you can detail exactly what the contents are for when you need them again. You can also easily carry round a binder with you if you need to transport information from one place to another with the minimum of fuss.

If you prefer to have a storage solution for paperwork that can be placed on a shelf at home or at work, an A4 box may be just what you are looking for. They are hard wearing and durable so the chances of damage occurring to your documents are virtually nil. When you keep your work safe in a box it also means that the chances of you losing things is lessened as it will be in a secure place no matter where you put it.

Are You Living In the Present?

When you saw this article title, did you relate to it? I’ll be honest; I sure did. That might seem strange considering I wrote the article, but when I reread the title a couple times, I realized it was an eye-opener for me and it made me really stop and think. Maybe it’s an eye-opener for you, too, so I’ll give you an idea of what got me out of living in the present and what I do to focus on staying in it. Maybe it’ll help you change course if you need to.

What I’ve really noticed is lately I’ve been getting way ahead of myself. In other words, I haven’t been taking time to really connect with what’s right in front of me in my life right now. I’ve inadvertently missed important things that I should be aware of, appreciating, perhaps taking action on, and definitely expressing gratitude for, including the little things, all because I was not living in the present. I also noticed that not only was I causing unnecessary stress for myself by focusing on things that haven’t even happened yet and may not happen at all, but I had also overlooked something that was very important to me that was right in front of me right now. Clearly I would’ve noticed this if I were living in the present.

I had had several intuitive nudges about something I’ve been considering for a long time, and I had set those nudges aside because I was busy ruminating about the future and what it will bring. More importantly, there were things that I had overlooked or dismissed because of being caught up in not only looking too far ahead but also questioning whether or not there is something missing and what I should (the dreaded “should” word) be doing. And with the moment of awareness this article title brought me, I realized I had missed some opportunities with family and also my business that I had been taking for granted, not to mention the intuitive nudges that led me to taking positive action once I returned my focus to living in the present.

“The trick is to enjoy life. Don’t wish away your days waiting for better ones ahead. ~ Marjorie Hinckley

So along with the rumination about the future and potential results came stress because I was concerning myself with things that hadn’t even happened yet or may never happen. And, I know for sure that doing this is just a colossal waste of time and energy. Putting all this together brought me back to the present and was a direct lesson for me to get back into and stay in it. Sure it’s important to plan for the future and keep an eye on the horizon. But, stay aware of living in the present so you recognize and appreciate everything that’s here for you right now– today. Life goes by way too quickly to miss any of it.

I don’t think there’s anyone who can say they haven’t gotten caught up in the future or perhaps even stuck in the past at some point or another. Even the best of the experts find themselves looking outside the present moment now and again. It’s human nature, especially in the West where society has historically been less connected to this holistic mind/body/spirit mentality. I’m happy to say that’s changing dramatically now. What a blessing this is, not only for us but for our children, grandchildren, and future generations, too.

So if you’re reading this, you’re likely already at some stage of awareness and consciousness. And if so, you understand that consciously redirecting yourself to living in the present has enormous lasting value. One of the things I like to do to keep myself more grounded in the present is to do a simple meditation for a few minutes each morning and/or evening, whichever works best for any given day. Doing both is even more beneficial but it doesn’t always fit the schedule.

Meditation is very helpful because it not only allows you to stay in the present, it also allows you to step away from the noise of life to connect or reconnect with your inner wisdom. Don’t let the term “meditation” scare you if you’ve not yet experienced it. There are very simple forms of meditation you can do. I’ll share a simple one with you here that you may want to try if you don’t have a meditative practice of your own. The important thing about any meditation or any inner or outer work you do for yourself is to be sure it feels good to you and you resonate with it.

If not, you’ll not experience the full benefit. Here are the steps to this simple meditation. Step 5 allows you a couple variations, and you can choose either or come up with your own. Both variations work well for me, but it’s all about what works for you-what you resonate with. Just relax and do what feels right. You may wish to start with this meditation and as you gain more experience and are more comfortable, create your own. Here we go:

1) Choose the time of day that works best for you to meditate and allow about 15 to 20 minutes for your meditation. If you wish, you can surely go longer, but sometimes when learning to meditate you may find yourself being bored or unable to focus, so shorter sessions are a good way to get started.

2) Wear loose, comfortable clothing. Be sure to wear clothing that is loose and very comfortable so your body and mind can relax and let go. This also better allows energy to flow through your system.

3) Choose a place where it’s quiet, you can get comfortable, and you won’t be interrupted. It’s very important to choose a location that’s very quiet and where you can sit or lie down comfortably. It’s also very important that you not be interrupted. Meditation is a time for quieting the mind and releasing life’s noise.

4) Once sitting or lying down comfortably, close your eyes and take 3 or 4 good, deep, slow breaths. With each breath, inhale fully through your nose, hold it for a second, and then exhale from your mouth with a quick “pahhhhh” sound until all the air is exhaled. I’ve experimented with the brief hold of the breath and a couple different ways to exhale, and the method above really relaxes me more than any other. I invite you to try different methods and see what feels best to you, too, but this is a good one and it’s easy.

5) Two simple variations to Step #5:

a) How to enter your meditative session and ask for general guidance: After you complete the few deep breaths, keeping your eyes closed simply greet your inner wisdom with a hello and speak your intention to connect with it. Then, simply ask, “What do I need to know today?” With eyes still closed, be quiet, be still, and listen and observe the stillness for that guidance.

b) How to enter your meditative session and ask for guidance on something specific: You may also ask for guidance on something more specific. In this case, after you complete the few deep breaths, keeping your eyes closed simply greet your inner wisdom with a hello and speak your intention to connect with it. Then simply say, “I ask for your guidance on __________,” (fill this in with a short description of what you need guidance on). Then with eyes still closed, be quiet, be still, and listen and observe the stillness for that more specific guidance.

That’s it for this simple meditation. Simple is always better because it doesn’t cause confusion. Keep your question simple and to the point for best results. There is no way of knowing when the guidance you request will come. It could be almost immediately or within hours or even days. Just know it will come. Do your best to be patient and pay attention to ideas, visuals, auditory messages, circumstances, people, opportunities, and anything else that comes to you that seems to have “come out of the blue.” That’s your inner wisdom, intuition, or higher self responding with the guidance you requested.

The beauty of meditation in terms of staying present and not getting stuck in the past or reaching too far into the future is that while in your meditative state, you are in the now-you are present. And, when performed daily or consistently at some level, you easily stay in touch with the present and connected to your higher self. This brings calm, clarity, and confidence, and keeps you open to your highest (soul) perspective.

“Accept what is, let go of what was, and have faith in what will be.” ~ Sonia Ricotti