Your weekends are now spent at kids’ sports and activities or driving them from one commitment to the next. This is the time to think about providing a comfortable lifestyle for your family in the future. You need to have a strong financial plan and be sure you are heading in the right direction to meet your goals.

You may find yourself

• Going back to two incomes
• Receiving pay increases and looking for ways to minimise tax
• Thinking about when you can retire or if you can afford to retire early
• Looking after elderly parents or receiving an inheritance
• Paying for children’s education
• Borrowing money to invest
• Paying off your mortgage
• Maximising the amount in your superannuation

Now is the time to ensure that you have adequate wealth protection so that your hard work and financial security is not jeopardised by the unexpected!