financial planner
Most life insurers, banks, unit trust companies and LISP platforms offer Tax Free Savings Accounts (TFSA) which are easily accessible and attractive to those wanting to reduce their tax liability, and fees will vary from provider to provider.
As your teenagers get older, you will need to start planning for large expenses such as vehicles, tertiary education, overseas school or study opportunities, exchange programmes and even weddings.
If you’ve gone into debt to pay for your wedding, make eliminating this debt your single biggest priority. Once you’ve got your debt out the way you can begin savings towards your joint goals.
Think disability and our minds tend to think of the worst possible scenarios involving permanent injury and disfigurement. Rather than permanent disability, it is temporary disability or illness that we should in fact be more concerned with.
