Elise Ryan is an Authorised Representative, GWM Adviser Services Limited, Australian Financial Services Licensee

I find women are incredibly organised, they are usually good at the day-to-day finances from paying bills on time to working out the weekly budget for groceries whilst running the household and juggling a career.

We can sometimes lose focus of the long-term as we are so busy with what is happening right now. It is very important that we do consider the long-term because we all want to stop working one day and enjoy more time with our family and friends.

Statistics show that women these days live longer and retire with less super for various reasons. More than likely it is due to taking time off work to have a family and care for elderly parents therefore women often find themselves either stopping work altogether or working in a part-time capacity to allow them to juggle these responsibilities.

One of the biggest barriers for seeking financial advice is finding time to schedule an appointment when both you and your partner are available. To assist you we can be flexible around the time of the appointment and technology allows skype appointments if that is better suited to your schedule.

We have also built an online portal, my.solutions, this makes it easy to complete your profile online and upload your details in your own time. By using this tool we find it helps you get the most out of the appointment with your advisor.

At Income Solutions we are committed to helping you overcome these hurdles and assist you in taking the steps towards long-term planning and helping you to build a passive income stream for the future. A solid financial plan really does make a huge difference to helping you reach your goals.

Any advice in this publication is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information. The information in this document reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. In some cases the information has been provided to us by third parties. While it is believed the information is accurate and reliable, this is not guaranteed in any way. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document. Before making a decision to acquire a financial product, you should obtain and read the Product Disclosure Statement (PDS) relating to that product.