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Keeping up with changes to tax legislation, superannuation regulations, market movements and tracking investment performance can be time-consuming and difficult. A Commonwealth Financial Planner can guide you through this maze of complex information and work with you to formulate a plan that meets your goals and objectives.

How a planner can help you

Whether you're just starting out in your career, mid-way through, or retired, having a well-structured financial plan could help you achieve your financial goals.

The role of a financial planner isn't limited to developing investment strategies. Your financial planner can also help you set realistic financial goals and provide you with wide-ranging advice on managing debt, budgeting, investing, superannuation, retirement planning, protecting against risks, and planning your estate. Your planner will also answer any financial questions you have and provide you with an overall understanding of your financial position.

If you have a financial plan already, remember that it's wise to have it reviewed by your financial planner at least once a year. This will ensure your investment strategies remain appropriate to your current needs and that you are on track to meet your goals. Even slight adjustments can make a big difference to your savings over the long term.

When it comes to selecting a financial planner we invite you to consider one of our Commonwealth Financial Planners.

About Commonwealth Financial Planning

Commonwealth Financial Planning is a principal member of the Financial Planning Association of Australia.

Commonwealth Financial Planners are professionals with a solid understanding of investment and financial planning. They can recommend investments from over 40 leading fund managers and they also have access to various specialists and technical resources within the Commonwealth Bank Group. All our financial planners participate in regular training to keep them up-to-date with legislation, industry changes, new products and investment strategies.

What to expect from a Commonwealth Financial Planner

After gaining a clear understanding of your circumstances and financial goals, your Commonwealth Financial Planner will identify suitable investment and savings strategies for you. He or she will also consider a range of other factors (such as tax and social security issues) when putting together recommendations for you. All of this information is presented in writing, in clear and simple language.

Overall, your planner will seek to ensure that your financial plan has the potential to provide you with solid investment growth and the necessary degree of protection from market fluctuations that all long term investment plans need.

To find out more about how a Commonwealth Financial Planner may be able to help you, or to make an obligation-free appointment with a Commonwealth Financial Planner call 1800 241 996 or email us.

Important information

• This is not advice, this provides general information only and does not take into account your individual financial circumstances or investment objectives. You should assess whether the information is appropriate for you and consider talking to a financial adviser before making an investment. Investment products are subject to investment risk including the loss of income and capital invested. Colonial First State Managed Investment Funds, FirstChoice Investments and FirstChoice Wholesale Investments are issued by Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468. Product Disclosure Statements (PDSs) describing the products are available by contacting Investor Services on 13 13 36. You should consider the relevant PDS before making a decision about the product. The responsible entity, Colonial First State Investments Limited receives fees.
• Commonwealth Financial Planners are representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139. Commonwealth Financial Planning Limited is a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.