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Make the most of life with a little advice - Big Sky Financial Solutions

Make the most of life with a little advice



Real freedom in life comes from being able to do what you want to do, when you want to do it. That means making choices that suit you or your family, not your employer or your bank manager, or even your clients.

Choices like leaving work when you’re ready, not when you can finally afford it. Or paying off your mortgage sooner, so you can really enjoy your money. But how do you achieve this?

The short answer is by making the most of your money. That means knowing:


  • how to save money - by minimising your loan interest or tax
  • how to make money - by investing in shares, property, super, or something else
  • how and when to borrow money
  • how to protect everything you’ve saved so far and to safeguard your future.

Anyone can do it



It’s not about having a lot of money in the first place. You don’t need to be earning an executive salary. You don’t need to have won lotto either.

You might want to have plenty of money later on. Or you might just want enough to do the things you’ve always wanted to do.

It’s your life - and you can make the most of it with a little advice.

How does an adviser help you?



Our financial advisers are qualified professionals with a broad range of skills and experience. One of their key skills is problem-solving - looking for unique solutions for unique people.

You can achieve the maximum benefit from a financial adviser if you have a long term relationship with them, not unlike your relationship with your investments.
That’s because an adviser will be your guide through the inevitable changes ahead – changes in financial markets, in rules and regulations and even the changes in your life.

A good way to think about an adviser is to see them as your personal ‘GPS’. They will find the best way forward for you – which may not always be the quickest way – and help you avoid obstacles or heavy traffic, as well as a few ‘toll roads’.

The four steps to financial advice



Financial advice involves four simple steps.
The first step is to meet with you and your partner if you have one. It’s about getting to know you and understanding where you are at and what you want in life – in the short and longer term.

The second step is to look at your current financial situation. Your adviser needs to understand all of your earnings and outgoings, loans and debts and any investments or assets you may have.

The third step is where your adviser discusses strategies and options they think are suitable for you, given what you’ve told them about your current situation and future goals. This will be done as simply as possible because it’s important that you understand everything they are recommending.

The fourth step is to formalise the discussions and your adviser’s subsequent research and modelling by providing you with a plan. Your plan sets out your stated goals and the advice you’ve been given to help you achieve them. This is presented to you in a comprehensive document called a ‘Statement of Advice’.

Regular reviews



Of course, your plan can and will change over time. So your adviser will keep in touch with you and suggest a review – either where they see a need for changes based on what they see ahead, or what you tell them about changes in your life.

The stronger the relationship with your adviser, the more likely you’re able to make the most of your life.

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