First Financial in Melbourne, Victoria, Australia | Financial planner

First Financial

Locality: Melbourne, Victoria, Australia

Phone: +61 3 9909 5800

Address: Level 2 90 Collins Street 3000 Melbourne, VIC, Australia

Website: http://www.firstfinancial.com.au

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• Investing service
• Financial planner

25.01.2022 During uncertain times, it can be beneficial to have someone to talk to about your financial position. A financial adviser can help you understand exactly what is happening within financial markets. They have the ability to decipher industry jargon and cut through all the news and noise you are exposed to from nightly television market updates. No matter how complicated the current situation is, your adviser should be able to clearly explain what is going on and how it im...pacts you. Its likely that you will find your concerns are alleviated once you have a thorough understanding of the circumstances and how you might be affected. https://firstfinancial.com.au/power-of-financial-adviser-d/

24.01.2022 We understand that death isnt a topic that people like to dwell on, but it is important to be pragmatic when writing a Will and planning your estate. This task is often on the to-do list, but we believe you should action it sooner rather than later. Youll find peace of mind once the process is complete, knowing that your loved ones will be well looked after. Plus, clearly documenting your wishes now will save your family a lot of added stress and potential conflict when they are grieving.

24.01.2022 Our September newsletter has just launched... Inside this issue you can read a market update from our Investment Committee. Plus, we take a look at how different retirement income streams are taxed. Read the full news online.

23.01.2022 Our August newsletter has just launched... Inside this issue you can read about the power of a financial adviser during uncertain times. Plus, we take a look at the HomeBuilder program and other financial support for home buyers. Read the full news online.

23.01.2022 At First Financial we prefer: - Assets that produce significant stable income streams, over those where returns primarily come from capital gains - Investing in large cap equities to give you a more stable cash flow, similar returns and a more transparent experience than in managed funds - Mainstream assets that are transparent and easily understood - Liquid assets that are easily accessible.... Find out more about our unique investment philosophy.

23.01.2022 At First Financial we are proudly client-centric. We see our relationship with you as a life-time collaboration, moving with you through each stage of life. Our financial advice is tailored to your individual circumstances. On the countdown to retirement the focus shifts to wealth preservation and financial independence. After years of hard work now is the time to make sure all those long hours were worth it.

22.01.2022 Here at First Financial, we avoid traditional risk profiling. Instead, your unique circumstances and attitude form the foundation for our tailor-made plans. We help to build a portfolio that clearly aligns with your principles, rather than pushing branded products. The fact that we have our own Australian Financial Services Licence means we can make recommendations in your best interests. This is rare within our industry and we are fiercely proud of our autonomy.

22.01.2022 The coronavirus pandemic has dramatically impacted the lives of millions of Australians. People have lost their jobs, their primary source of income and many have been facing financial hardship. Back in April, banks and mortgage lenders offered significant mortgage relief through home loan deferrals. The initial timeline for these deferrals was set at six months, but now, as we near the September deadline, new extensions are available.

22.01.2022 We look at a number of the key support packages available for businesses and acknowledge the Government’s dedication to supporting the Australian economy through some of the most difficult days ever experienced. https://firstfinancial.com.au/government-support-for-busin/

21.01.2022 Vicki and Rod Olsen had some tough decisions to make. We had finished work and although wed invested well in property, it all changes once you stop working. We needed some professional help, and the hardest thing was learning to trust someone with our money. Like many people at our age, we knew we had good assets in property but as you get older, you need to downsize. So we did, and then we needed someone to manage the money we had to invest. We had no understanding of sh...ares or investments! Watch their video or read more on our website - https://firstfinancial.com.au/client-s/vicki-and-rod-olsen/

21.01.2022 Taxes they are one of the two certainties of life. You cant avoid them, but there are ways to reduce your liability especially when it comes to capital gains tax (CGT). We look at how you can utilise strategies within your superannuation to help minimise the amount of CGT you pay when you successfully sell your assets.... Whether you have already retired and are drawing a pension or your super is still in accumulation phase, there are tax options available to you.

21.01.2022 Retirement isn’t always simple or straight-forward. Whether you’re fortunate enough to retire on your own terms, or if you have to retire earlier or later than expected, a key to successful retirement planning in 2021 is knowledge. We look at factors impacting the decision, and how to plan for retirement...

20.01.2022 Back in March, when the country felt the initial financial impact of the COVID-19 pandemic, the Federal Government released a series of stimulus benefits to help support Australians. One of the initiatives within the package was a reduction in the minimum drawdown rates for account based pensions. In this article we discuss whether implementing the new minimum for your pension payment is a viable option for this financial year.

19.01.2022 Our on-the-job adviser training program allows us to adhere to the high standards we set for ourselves, standards that allow First Financial to shine in a class of its own. All our new recruits are placed into a client service team to start their training and kick-start their careers. Our training program can take up to ten years, but gives our advisers the very best chance at creating success success for each and every client, because they learn what each and every team member does.

18.01.2022 We can help add certainty to your retirement... Unless youve been living under a rock for the past thirty years, youll know that superannuation is the user-pays philosophy of funding your own retirement. Unfortunately, it is very complex and requires a deep understanding to maximise its potential.... And with super legislation changing every other month, your biggest weapon will be an investor team that is on top of all legislative changes.

18.01.2022 We dont like to think about worst case scenarios but taking some time to consider the risks and having a contingency plan is like carrying an umbrella it cant stop the rain but can provide much needed financial protection during lifes storms. Find out more about life insurance on our website.

17.01.2022 Treasurer Josh Frydenberg handed down the Federal Government’s 2020-21 Budget on 6 October. Originally delayed in May due to the COVID-19 pandemic, this budget has been highlighted as the most significant in decades. Please visit our link below for an overview on the key changes and an invitation to our Budget webinar on Friday, 16 October. https://firstfinancial.com.au/budget-2020-21-review/

17.01.2022 Legislative changes mean that the rules are constantly being rewritten and as financial planners we need to constantly evolve and refine our strategies and plans. And we know its vital to stay one step ahead of every change in legislation regarding taxation, superannuation, compliance and structure because financial planning strategies that once worked may no longer be viable, or may have different requirements. Keeping up to date with those changes and being able to give clients the right information are critical.

16.01.2022 Many investors rely on income from their investments in the form of interest, distributions and dividends to fund withdrawals made from their portfolios and are understandably concerned about the potential effects of COVID on this income. We look at how income from investments has been impacted and expectations for FY21. https://firstfinancial.com.au/investment-income-dividends-/

15.01.2022 It’s hard to believe that it’s been 12 months since our team moved to our working from home model. The year has certainly seen significant changes in how we deliver our services, but we are proud to have maintained strong client relationships and found appropriate solutions to any challenges we faced. Read on to see how we got through it...

14.01.2022 Almost 12 months on from what was a tumultuous year, some positivity is returning. Our head of our Investment Committee and Senior Adviser, Graeme Quinlan discusses the investment market outlook for 2021.

14.01.2022 Theres no denying it 2020 has been a very difficult year. The impact of coronavirus has been felt in every country around the world, and as a result weve experienced significant instability within global markets. During these challenging times, it can be extremely beneficial to have a trusted financial adviser. Someone who knows your personal situation and can help you navigate the uncertainty with sound advice and professional assurance.

13.01.2022 Here at First Financial we like to plan... We develop and compare appropriate strategies and create a dynamic, intensive and actionable plan for success. Your plan could include recommendations on:... restructure of current investments, loans, debts, insurances, minimising your taxation, budgeting, savings and investment plans, share portfolios, cash management, wealth protection cover, superannuation and retirement (including SMSF), estate planning. We find once clients have had the plan presented, confusion and complexity are removed. Clients see a clear way ahead and gain greater peace of mind.

13.01.2022 Are we set for another market fall? Or is it the case that markets seriously over-reacted in the first place and are now coming slowly to a more accurate assessment of the long-term risks involved in COVID-19? Read the recent market update from our Investment Committee.

12.01.2022 There is never a good time or age to be out of work. But for those over 60, it can feel particularly painful. If you have lost a job or been made redundant, the hardest part is knowing what to do next. The most important thing you can do is take a moment to review your current financial situation. And get the right advice on how to best adjust your retirement plan. That way you can be confident your next step is a smart one.

12.01.2022 When it comes to life insurance, you should involve your family in the decision making process. After all, they will be the ones who will need to survive on any benefit received. When deciding how much life cover you want, think about: - All your debts... - Your childrens future childcare and education costs - How much income your family will need to live comfortably Life cover is guaranteed renewable, meaning it will generally only stop if you stop paying for it. Read more on our website.

12.01.2022 Everybody's retirement spending requirements are going to be different... We say retire life ready, the more ready you are, the more you are going to enjoy it! Watch Ben's video and read more about retirement planning. ... https://firstfinancial.com.au/services/retirement-planning/ See more

11.01.2022 Australian housing affordability is an issue of concern for both State and Federal Governments. Median house prices in most capital cities have dramatically increased over the past few decades and the nations house price to income ratio, which measures house prices against disposable income, sat at 106% as of 2019s fourth quarter. We look closer at the new HomeBuilder program and also review the other existing financial support programs available to home buyers.

11.01.2022 One of our talented Principals, James Wrigley, has ventured into the world of podcasting. For the past 12 months, James has been regularly hosting live online sessions discussing a wide variety of subjects. In recent episodes he has talked about topics such as redundancy and retirement due to COVID-19, buying your family home and the recently announced HomeBuilder program. But James doesnt only stick to finance he has also interviewed guests about employee wellbeing, digita...l marketing and making the most of isolation. Check out his podcast online - https://www.listennotes.com//james-wrigley-james-wrigley-/ ...or watch the video versions on YouTube.

11.01.2022 Once we have built a strong relationship, its important for us to stay in communication with you regularly. This could take the form of meetings bi-annually, quarterly, yearly or as many times as needed. We review our plan process at every meeting, every time. This ensures we stay on track to achieve your financial goals. We also assess the impact of any change in circumstances and make alterations where necessary, like re-balancing your portfolio or taking a deeper look at your insurances. Find out more about our process today.

11.01.2022 With one of the most incredible years of our lives nearly behind us, we invite you to watch our recent webinar held by renowned asset consultant, Tim Farrelly and head of the First Financial Investment Committee, Graeme Quinlan.

11.01.2022 The popularity of self-managed superannuation funds has grown steadily in the last decade. Why? Because being able to take control of your own superannuation is attractive to many people. But understanding the regulated environment in which SMSFs operate can be a challenge.... At First Financial you will receive a complete end-to-end SMSF service. We will guide you through all your legal and accounting obligations.

10.01.2022 Our July newsletter has just launched.. In this issue you can read a message from our Managing Director, Ben Rossi. Plus, we discuss whether reducing your retirement income is a suitable option for this financial year. Read the full news online.

10.01.2022 New clients are often uncertain and confused about their financial goals. Our Discovery session helps uncover your goals and aspirations often ones you might not have even thought of yet. We also identify the challenges you face currently day to day and understand the lifestyle you want to enjoy now. Gaining financial clarity is essential for our partnership. Once we gain twenty/twenty vision of your financial position, lifestyle and personal wealth goals, we can start to plan for your ideal retirement.

09.01.2022 Meet Joel Gleeson... I find it really satisfying when Im able to help a client with something that is causing them stress or anxiety. This is something that gives me real job satisfaction its really rewarding. Job satisfaction is extremely important and is one of the main reasons that Joel decided to join the First Financial team.... https://firstfinancial.com.au/joel-gleeson/

08.01.2022 Before you exit your business, it’s essential you have a well-constructed plan. Here we take a closer look at succession planning and David Pitt, First Financial Principal, discusses the role buy/sell insurance can play. https://firstfinancial.com.au/business-succession-planning/

07.01.2022 Multigenerational adult households are becoming increasingly common here in Australia. Results from the 2019 Housing, Income and Labour Dynamics survey indicate that more than 50% of younger Australians aged between 18 and 29 are still living at home with their parents. Whether your kids are boomeranging back, or they are yet to leave home, its important that you set expectations and create practical boundaries within your household.

06.01.2022 Carers play a vital role in our society. They provide essential care for people with a disability or mental illness, with debilitating medical conditions or who are elderly and need additional support in their day to day lives. Here we look at the the various benefits available to carers, we also review the government support that has been provided to businesses during 2020.

06.01.2022 A solid financial plan is the essential foundation you need to build the future you see for yourself. Taking the right path now means having the financial freedom to choose when and how you retire, with confidence and certainty. Take the first step toward your financial future; contact a First Financial adviser today.

06.01.2022 The aged care system is a complicated puzzle of options and processes. Putting the pieces together isnt easy at the best of times. But when youre making tough decisions around living arrangements for yourself or a loved one it can feel overwhelming. In this blog we outline some key tips to help along the way.

04.01.2022 Its a First Financial tradition to celebrate the end of the financial year. In the past weve enjoyed cocktail parties in special venues surrounded by our wonderful team but this year, with coronavirus restrictions enforced, we turned digital to make sure we still said Cheers to another successful year.

04.01.2022 There are certain types of insurance that are compulsory for your business, such as: - workers compensation insurance if you employ people in your business - third party personal injury insurance for any motor vehicles you own - public liability insurance for certain types of companies... Even if insurance is not compulsory, taking out the right insurance can help protect your business and minimise its exposure to risk. Its vital to ensure you have the right mix for your business. Speak to us today for more information.

04.01.2022 For many people, the fundamental idea of health insurance makes sense. It can mean choosing your doctor and having your own room in hospital. It can also cover the cost of health care that is not included within Medicare, such as dental, optical or hearing services. Plus, there are Federal Government incentives to take out private health insurance but the cover you choose could depend on its overall affordability and how you perceive its value.

03.01.2022 Understanding the regulated environment in which SMSFs operate can be a challenge. The advisers at First Financial are best placed to assist you through the whole process from initial discussions about an SMSFs appropriateness for you, through to helping choose your investments, to ongoing management and maintenance and everything in-between. To ensure you are harnessing the significant benefits SMSFs have to offer, contact one of our SMSF specialists today.

03.01.2022 The arrival of a new baby is a true cause for celebration! Last month, Financial Adviser Adam Ezerins and his wife, Laura, welcomed beautiful baby Mara Colleen Ezerins. She was born on Tuesday 21st July, weighing 3.45kg (7lbs 9oz) and measuring 49cm tall. She has already brought a thousand smiles to her doting parents and is surrounded by love, warmth and lots of joy.... We are sending our best wishes to Adam, Laura and Mara as they settle into their new life as a family of three. Read more community news on our website - https://firstfinancial.com.au/community-news/

03.01.2022 Successful investors develop a plan, manage the process and monitor their choices. At First Financial we provide guidance with all of these steps. We see our role as one of collaboration. We provide market intelligence and prudent financial advice so you can make decisions that match your investment profile and goals.

01.01.2022 Meet Jo Zhao... Jo Zhaos career started with a Bachelor of Medical Science, but after a couple of years working within a hospital environment, she realised that it wasnt her passion. I enjoyed it but I felt there were limitations while I was working in the hospital, I developed a strong interest in finance I have a lot of family and friends working in the finance industry and that definitely influenced me to do my Masters.... https://firstfinancial.com.au/jo-zhao/

01.01.2022 I’ve been doing a lot of work with people late 30’s through to mid 40’s with household incomes $300k+ They all appreciate the income coming in and want to best use that to support building assets, rather than waste the opportunity. Join me as I step you through the work we’ve been doing in this space.

01.01.2022 The First Financial Investment Committee formed in 2013 as part of the company’s creation. The group comprises of numerous financial planning practitioners, the Managing Director and external investment professionals who are not involved in the firm. The primary purpose of the committee is to maintain the company’s investment policy, support the team of advisers and oversee the approved products list. Through continual market analysis, the committee ensures a secure, clearly defined process is followed when selecting client investments.