At this stage of our lives we are confronted by a number of issues which can have a significant impact on our long term wealth prospects.  A clear understanding of the issues involved in these decisions will assist in choosing a sensible path forward.

These issues may include:

• Purchasing a property now and taking advantage of any government incentives, or delaying the purchase in order to increase our savings and reduce our non-deductible interest burden.
• Purchasing an investment property or establishing a share portfolio.
• How best to invest an inheritance or a cash windfall.
• Commencement of a career and the choice between different remuneration structures.
• How to protect our income given financial commitments such as a new mortgage.
• Deciding on the most tax efficient tax structures in which to accumulate wealth.
• How best to save for overseas travel.
• Choosing the right superannuation fund, the most appropriate level of contributions and investments for long term wealth creation.
• Funding an equity stake in a business or commencing a new business.