Should Financial Planning Be On Your 2026 Bingo Card?
We spoke to the Shire Financial Partners team to get the low-down
Shire Financial Partners
It’s just too easy for us twenty-, thirty-, fourty-... heck, even fifty-somethings to push insurances to the back of our minds. Mortgage rates? Superannuation? Life insurance? It’s too easy to write them off as irrelevant, until they’re not. But if numbers just aren’t your bag, the mountain of policies can feel far too steep to climb and sift through. So, having an experienced team to help you do so can spell the difference between clueless and clued-in.
While an extra few hundred of savings here or there may not feel worth the hassle, the Shire Financial Partners team believe it can spell the difference between burden and freedom - and the proof is in the stats. “A couple of hundred extra off your mortgage mightn’t feel like much in a month,” says Ryan, the Director and Lead Financial Planner. “But take that month, and multiply it by 12, then multiply that by a number of years. Savings like that, they’re huge.”
And, perhaps even more important but equally even more pushed aside: life insurance.
No one wants to think about the fate of their precious life savings if something horrible were to happen. A lot of people, says Ryan, only have what is automatically included in their superannuation fund to cover such an event, but it’s simply not enough.
“Sure, you may have $100,000 of life insurance, but that $100,000 is not going to cover your mortgage.”
It sounds a bit doom and gloom, sure, but Ryan says the value of knowing you can take time off to support your family or care for yourself is well worth the tough thoughts and potentially difficult conversations. "Funding insurance premiums through superannuation can often be tax-effective and help ease pressure on the household budget. However, suitability must be assessed on a case-by-case basis, as certain policies — such as Cancer or Trauma insurance — generally cannot be funded through super.”
Aside from a collective wealth of experience, the beauty of Shire Financial Partners lies in their scope. From financial planning, accounting, and mortgage brokers, to life insurance and buyers’ agents, they’re a full service team offering holistic advice. Which, when it comes to money, is the best kind.
“We don't have to call some other accountant in the next suburb. They're literally in the next room.”
You may be sitting there wondering how spending money can really make you money. Is it truly a necessary cost? Something worth doing when we all still feel so young? Well, while asking anyone from the Shire Financial Partners team would see you meet a resounding “Yes”, finding out if the service is right for you costs absolutely nothing. Yup, the team are so passionate about what they do - and confident it gets results - that they offer a free planning session.
“We've got this giant whiteboard in the meeting room where our planner draws out a complete financial position, including long- and short-term goals,” says Ryan. “Then, we make an assessment: are you on track? Are you not on track? At the end of the meeting, give them actionable steps to follow. The whole thing takes about one-and-a-half to two-hours. I think that’s the point of difference with our team - we're all walking the walk.
“We genuinely value our own advice. We're not just saying, ‘This is what you should do’. We’re living out our advice every day with our own families.”
With quite literally nothing to lose and everything to gain, we wouldn’t blame you if you wanted to check out Shire Financial Partners services. Check out their website for details, location and to submit an enquiry form.
Details
Shire Financial Partners operates:
Monday to Friday: 9:00am to 5:00pm
Suite 42/10-18 Robertson Street, Sutherland