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Having an expert team of financial professionals to guide you in your business affairs, particularly if you run into financial strife, will give you peace of mind.

Behind every successful business is a solid team of people all expertly contributing knowledge in their field of expertise. Similarly, you also need a great team behind you when it comes to your own business affairs. Below is a list of key people who can guide you to making the best financial decisions for you and your family.

Financial advisor

  • Number crunching and investing can become tricky if you don’t know what you are doing. A financial adviser can help you determine how to reach your financial goals through a savings and investment plan. That means helping you figure how much to put aside for retirement, your kid’s education and how to invest your money to make it happen. Some other areas of expertise include:

    • Life planning
    • Investment strategies
    • Risk analysis

    A financial adviser can help with a broad range of money issues, particularly if you need to reduce debt. They can look at your individual situation and create a budget plan that will suit your income and expenses.


  • Even if you don't think you need regular financial advice, it can be beneficial during certain stages of your life to meet with your accountant, especially when your circumstances change. There are several reasons why you may require meeting with an accountant:

    • Income and tax advice
    • Investment structures
    • Tax audits
    • Wills and estate planning

    An accountant’s job is to help you keep more money in your pocket. They are required to keep up to date with the latest tax laws, which mean they can advise you of available tax deductions and how much you can claim. It can be a costly mistake if you try to deduct more that you are permitted to.

Having advisers guide you is a great idea – particularly if you're not entirely clued up when it comes to your finances.

Solicitor or lawyer

  • There are several different situations where you may require legal advice. Some of these may include:

    • Property transactions
    • Investment and contract fine print
    • Litigation
    • Wills and estate planning
    • Family and relationship assets

    Not only can a lawyer read through and help fill out important documents such as property contracts and wills to ensure the agreements are legally binding; they can also represent you if something was to go wrong with your investment property or other asset.

    It is important to select a lawyer that you feel comfortable dealing with and can trust to handle your legal affairs. Therefore, before choosing, take the time to compare and interview different lawyers to find the right one for you.


  • A lender that has good expertise can be helpful not just when you first take out your loan. Having someone you can ask for help when you are regularly reviewing your home loan can ensure that you are fully utilizing the cost saving features that they offer. Doing calculations to help you plan for future home and investment property purchases can also be useful. When choosing a lender, ensure that one of the criteria is having access to this type of expertise. This could prove to be invaluable and pay dividends in years to come.

Although you may not need all of these professionals at one time, there is a good chance you may need them at some stage, so it is worth taking the time to research and compare different companies.

  • Use a calculator to get an estimate of how much you can borrow. Try one here.

  • See if you qualify. To get a more accurate idea of how much you can borrow with State Custodians, click here.

  • Call our Lending Specialists and they can do the calculation for you over the phone plus answer any questions you have at the time. Talk to us on 13 72 62.