Financial
Roadmap
A clear, personalised path to your financial goals.
11 January, 2022
How a financial adviser can help business owners
First Financial Team
It’s not unusual for business owners to have competing priorities. They can be focused on sales and business growth, client and staff relationships, stock control or production cycles… the list is endless.
It’s also not unusual for them to put their own financial plans to the side while they are engrossed in the business… but this can be detrimental to their long-term financial future.
Seeking the services of a professional financial adviser can prompt a business owner to bring their own personal financial security back to the forefront of their mind, and also to align their personal goals with their business plans.
If you are a business owner, here we look at some of the key ways a financial adviser can support you as you build your wealth.
Identifying financial goals
First of all, it’s important for you to be able to articulate your financial goals – not just where you want the business to be in five or ten years, but what you want personally.
Do you want to pay off your mortgage? Are you keen on boosting your retirement savings, or have you dreamed of taking a round the world trip for your 25th wedding anniversary?
By developing a clear financial plan based on those goals, you can be confident that you have true financial control. A financial adviser can help you understand the steps required to achieve success and can guide you as you couple your personal wealth goals with running the business.
This way it won’t be all work and no play… you will have the freedom to enjoy some of the other priorities in your life as well.
Building your superannuation
Another area where a financial adviser can support business owners is managing superannuation.
When you work for yourself, it means that nobody is contributing to your retirement funds except you. It’s essential that you allocate enough funds to your superannuation so that you can enjoy the retirement you deserve.
Regular superannuation contributions not only build your future financial security, they can also be an effective tax strategy as they attract a lower tax rate than your regular income. However, it’s important to be aware of contribution caps, so make sure you discuss this with your financial adviser before making large lump sum contributions.
Protect your business
Your business – no matter how big or how small – is valuable and it needs to be protected. Again, this is where a financial adviser can help.
In the same way that insurance is important in protecting aspects of your personal life, it is also crucial for your business. An adviser can help you determine whether you need income protection insurance, key person insurance or even buy/sell insurance.
Plus, an adviser can discuss the business structure and how assets would be distributed should something unforeseen occur. Taking the time to undertake estate planning can provide you with true peace of mind.
Speak to us today
Here at First Financial, we have a team of financial advisers ready to assist you. We are highly experienced in working with business owners across a wide variety of industry sectors and can support you as you build your wealth. We can help you secure your financial wellbeing with a long-term financial plan.
If you’d like to find out more about our financial planning or superannuation services, please contact us today.
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CLIENT STORY
John
Life Stage:
Retired business owner
Background:
After decades of running a successful pharmacy, John sought financial guidance to simplify decision-making and support long-term planning.
- Navigated the sale of a long-held business
- Wanted simple, honest advice after burnout
- Needed a hands-on adviser he could talk to
- Desired financial guidance aligned with lifestyle goals
- Crafted a strategy that supports relaxed, post-work life
- Offered approachable, plain-English advice
- Maintained an ongoing, trustworthy relationship
- Provided flexibility with investments and cash flow
“I feel genuinely supported by First Financial. I can ask anything, and there’s no pressure, just clear advice and real care. The money’s growing, I’m not stressed about it, and I feel completely at ease for the first time. I don’t miss work, but I’d miss the support I get from First Financial.”
CLIENT STORY
Jan
Life Stage:
Retired
Background:
Jan's husband managed the finances until entering aged care. Jan gradually stepped into the financial picture with First Financial’s support.
- Needed financial guidance after business sale
- Lacked experience managing complex finances
- Sought consistent income and long-term structure
- Wanted a familiar, reliable relationship
- Provided long-term support through several transitions
- Helped structure income reliably for retirement
- Empowered Jan through education and reassurance
- Delivered calm advice through both grief and growth
“The money just comes in. I don’t have to think about it. And I know they’re always there. They’ve always been there in the background, just quietly making things work.”
CLIENT STORY
Larry and Virginia
Life Stage:
Newly retired
Background:
As retirement neared, Larry and Virginia were ready to enjoy travel, family, and freedom, without uncertainty. A friend recommended First Financial, and from the first meeting, they had a clear plan, a safety net, and people they trusted.
- Wanted to travel and enjoy retirement without second-guessing finances
- Needed a structured income plan with buffers for the unexpected
- Valued guidance that felt honest and human, not overcomplicated
- Needed people they could call and count on
- Created a reliable income stream with a set-aside safety net for the unexpected
- Gave them the freedom to travel and spend meaningfully with family
- Kept advice simple, thoughtful, and tailored to what mattered to them
- Built a lasting partnership based on trust
“We’ve travelled the world, Europe, Sri Lanka, Vietnam, without once stressing about the money. They made everything feel simple and gave us the confidence to live well. We feel secure because we know exactly where we stand, and that peace of mind means everything.”
CLIENT STORY
Graeme and Craig
Life Stage:
Retired and semi-retired
Background:
Referred by friends helped through aged care, Craig sought secure financial guidance after inheriting funds.
- Invest inheritance securely without high risk
- Maintain a modest lifestyle with confidence
- Building trust for someone new to advice
- Accessible, personalised advice
- Provided a low-risk strategy with regular income
- Reassured with steady, market-aware updates
- Established trust through responsiveness and warmth
- Delivered calm, expert support through all transitions
“We feel very secure with First Financial, the income just comes in, and we know everything is being looked after. It’s not just safe, it’s smart. We’ve recommended them to others because we genuinely believe in the team.”
CLIENT STORY
Tim and Adam
Life Stage:
Early retirement and working professional
Background:
When Tim received an overseas medical settlement, he and Adam had just 14 days left in a 90-day window. They needed clear guidance, fast. A referral led them to First Financial.
- Only two weeks left to meet urgent legal and financial deadlines
- Wanted to preserve capital while setting up income for the future
- Needed a plan that supported both retirement and ongoing work
- Hoped to find advice that felt personal, not transactional
- Managed every moving piece, from legal documents to super rollovers
- Designed a strategy that supported both Tim’s retirement and Adam’s career
- Offered clear guidance with steady follow-through, with no stress or pressure
- Built in ethical investing and flexibility, without sacrificing performance
“We’re in totally different life stages, but First Financial built a strategy that supports us both. From urgent legal steps to ethical investing, they handled every detail with calm, care, and real expertise. It’s financial freedom without compromise, and we couldn’t have done it without them.”
CLIENT STORY
Lyn
Life Stage:
Retired widow
Background:
Lyn stepped into financial management for the first time after her husband's passing. With patience and care, First Financial supported her through grief, learning, and empowerment.
- Had never managed finances before
- Was overwhelmed after her husband’s passing
- Needed plain-English explanations and patience
- Sought emotional support and practical clarity
- Offered caring, respectful advice at her pace
- Rebuilt confidence with diagrams, stories, and reassurance
- Supported gradual decision-making around retirement
- Remained a trusted constant through major transitions
“After my husband passed, I was completely unsure where to start. First Financial gave me the space to learn, to ask questions, to grow confident. They drew a diagram that I still have. And now, I sleep well at night knowing I’ve got someone in my corner.”
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