Evolve Financial Services in Ringwood, Victoria | Financial planner

Evolve Financial Services

Locality: Ringwood, Victoria

Phone: +61 3 9873 5699

Address: 8,33 heatherdale rd, Ringwood 3134 Ringwood, VIC, Australia

Website: http://evolvefinancial.com.au/

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25.01.2022 Fourth Installment in our Insurance education videos - This one addresses the importance of and your duty of disclosure when applying for cover.

24.01.2022 Evolve Financial Services offers a wide range of financial products and services which include holistic financial advice, private banking and insurance solutions. Our team is focused and dedicated to work with you to help you achieve your financial goals, no matter how large or small. We pride ourselves in providing the highest quality service possible to each client. We recognise that no two clients are the same. Evolve offers tailored advice to suit each individual circumst...ance and as a result no process or plan will ever be the same. We evolve with you as you move through the different stages in life! Plan, Build, Retire Plan: Its never too early to start planning for the future. Talk to us about a financial plan to help you build for tomorrow and living the life you want today. Build: Build on what youve started. Talk to us about your investment and insurance needs. We pride ourselves on providing independent, tailored advice that evolves as you do. Retire: Talk to us about your retirement and get the maximum return so you can afford to retire in style. If youd like to hear more about what we can do for you then please contact us.

23.01.2022 Third installment of this six part series: Income Protection - how long could you survive without your Income?

23.01.2022 Keys to de-stressing a mortgage Dont sail out farther than you can row back. This Danish saying is sound advice for anyone thinking of borrowing to buy a home, particularly now that interest rates are low and house prices are generally rising. According to a paper1 for the Centre of Policy Development and University of Canberra, Australians have a tendency to be over-confident in our ability to repay loans. We also underestimate the likelihood of things potentially going w...Continue reading

22.01.2022 On top of the potential 15% health discount this could be a good time to enquire about personal insurance. Contact us to find out more.

19.01.2022 Get to know our friendly team here at Evolve Financial Services.

18.01.2022 Second video of this six part series. Are you under insured? Statistics say only 1/25 Australians have adequate cover.

18.01.2022 Our licensees Spring Newsletter is out, some great insights here. Feel free to contact us if there is any financial matters you would like to discuss.

16.01.2022 Super contributions and the rules around them.

16.01.2022 Great initiative by TAL. TAL is one of the many Insurers on our Approved product list. If you would like to know more about what other services TAL or any other Insurer can offer you, please feel free to get in touch.

16.01.2022 Unpopular fees ditched by the big 4

15.01.2022 In the period 2010-2014, more than 4,800 new cases of cancer were diagnosed in young Australians (aged 15-24) an average of 2-3 diagnoses every day. Males contributed more than half (53%) of all cancers diagnosed in young Australians. Melanoma was the most commonly diagnosed cancer in young Australian accounting for 15% of all cancers diagnosed. In 2011-2015, brain cancer was the leading cause of cancer mortality in young Australians, accounting for 18% of all cancer dea...ths. In 2011-2015, 499 young Australians died from cancer. This means that, on average, an adolescent and young adult died from cancer every 3-4 days in Australia. In 2010-2014, young Australians diagnosed with cancer had, on average, an 89% chance of surviving for 5 years. Relative survival from all cancers combined for young Australians rose from 80% in 1985-1989 to 89% in 2010-2014, though changes in the 5-year relative survival varied between cancer types. The risk of developing a second cancer was 1.9 times as high in those initially diagnosed with cancer as a young person compared with the risks normally experienced by the general population. Most insurance providers offer some form of trauma or critical illness product, many of which provide a benefit in the event of cancer. Income protection policies can also assist where you are unable to work at full capacity or at all, for a period of time whilst recovering from treatment, providing an important source of continuing income.

15.01.2022 Maybe its time for a change?

10.01.2022 October is the breast cancer awareness month and here at Evolve Financial Services we wanted to share with you some interesting stats that you might find surprising. Did you know in 2013, 15,902 women and 142 men were diagnosed with breast cancer in Australia. The risk of being diagnosed with breast cancer by age 85 is 1 in 8 for women and 1 in 631 for men. In Australia, the overall five year survival rate for breast cancer in females is 90%. If the cancer is limited to the b...reast, 96% of patients will be alive five years after diagnosis; this figure excludes those who die from other diseases. If the cancer has spread to the regional lymph nodes, five year relative survival drops to 80%. In 2014, 2814 women and 30 men died of breast cancer in Australia. A recent survey conducted by the Breast Cancer Network Australia revealed that that the total costs for women with private health insurance are higher for women without. One quarter of privately insured women reported out-of-pocket costs greater than $ 21,000. With this in mind, its important to ensure that you have a comprehensive Insurance policy which offers a generous pay out for the early stages of cancer. Contact us if you would like to take the first step in protecting your family and yourself from this horrible disease that is way more common than some think.

09.01.2022 Injuries and illness can occur at any time to anyone, Andrews story shows how important it is to have an insurance policy in place in case something unexpected was to happen. AIA is one of our many trusted Insurance providers on our Approved Product List. Get in touch for a chat about what cover best suits your needs.

09.01.2022 The final installment of the Get to know insurance series, this one demonstrates the support you will get if you were to go on claim. Hope these were enjoyable as much as they were informative. As always please dont hesitate to get in touch with any of our friendly team members to discuss any financial related matter.

08.01.2022 The fifth installment in our Insurance education videos talks about Claims and what to expect when the unexpected occurs.

06.01.2022 With better health and medical advances, you are likely to live longer and this means youll need to start preparing for a retirement marathon, rather than a sprint. Whatever your plans, its vital you have strategies in place to build your retirement savings as much as you can before you retire. Decide on your lifestyle: Up until now you may have been focused on your immediate needs, with mortgage payments or rent combined with family needs and work pressures being your bigg...est worries. But you need to start thinking about how you want to live for the next 30 years or more in retirement. Whats important to you? Do you want that annual European holiday or camping trip at Frasier Island? Are you happy with home cooked meals or appreciate a fine dining experience? Figure out how much you need: Once you have decided on the lifestyle you want to live, you will need to set up plans to work towards and eventually achieve this. There are a few things you can look at now, in the lead up to retirement, to ensure you are on the right track: Superannuation is your super invested appropriately? Do you need to contribute more now so that you have enough for the future? Investments if you have managed funds, shares or property, are they invested strategically to help accommodate your changing lifestyle? Insurance do you have the right level of life and income insurance? Are you and your family covered if anything happens? Daily finances are you spending money on things you dont use? If the kids have moved out, are there ways you can scale back? Reach the finish line: You might find that you are further behind the pack than you first thought for your ideal retirement lifestyle. This happens to a lot of people but it is never too late to reach for the finish and make a change. You could be at the peak of your earning potential, just repaid your mortgage, or might not be aware of strategies currently available to you. Whatever the case there are ways to give you a chance to save more and make up lost ground. Need a coach? Everyones financial needs and goals are different so its worthwhile seeking professional financial advice before you make important financial decisions. A financial planner can coach you with strategies and work with you to help make your ideal lifestyle a reality, both now and well into the retirement marathon.

05.01.2022 Evolve Financial Services would like to wish you and your loved ones a safe and happy Christmas.

03.01.2022 First video of six, which will help you understand the different types of personal Insurance and what they can offer you.

02.01.2022 Wondering what financial planning is about? Not sure if you need financial advice? See our FAQs: https://fpa.com.au/about-financial-planning/faqs/

01.01.2022 People need to start thinking of their long term investments before its too late.