When to Seek Financial Advice — 6 Moments That Matter
- Linea Private Wealth
- May 27, 2025
- 3 min read
Updated: Nov 27, 2025
Timing plays a powerful role in shaping your financial future.The right advice, at the right moment, can bring clarity to uncertainty and confidence to the decisions that shape your life.
“We often meet people when something significant is changing or about to,” says Ben Northwood, Wealth Adviser at Linea Private Wealth.“Those transitions can be emotional. Our role is to turn that emotion into understanding, and that understanding into direction.”
Here are six moments when personalised advice can make all the difference.
1. Starting a New Role or Business
A new chapter often comes with new complexity, from salary packaging and superannuation to business structures and tax efficiency.
When one of our clients, Isla, launched her own consultancy, she wanted to set things up the right way. Together we separated personal and business finances, introduced tax-effective structures, and created a plan to invest surplus profits. A year later, she’s working less and earning more with the confidence that comes from structure.
2. Navigating Major Life Events
Marriage, children, separation, or the loss of a loved one can all shift financial priorities overnight.
When Michelle and Dan welcomed twins, their world and budget, changed instantly. We reviewed their protection, updated their wills, and aligned their plan with new family goals.
“They made something overwhelming feel manageable,” Michelle said.
Life transitions deserve more than quick fixes — they need perspective and a plan.
3. Buying Property
Property decisions are rarely just about bricks and mortar, they’re about balance, cashflow, and timing.
Before Ella bought her first apartment, we structured her loan, optimised her offset account, and modelled how her decisions today could enable future investments. Now, she’s preparing to purchase her second property with clarity instead of guesswork.
4. Investing with Intention
Markets change, trends shift, and new products appear every day but good investing always comes back to purpose.
We help clients design portfolios that align with their goals, timeframes, and comfort with risk. It’s not about chasing returns; it’s about building wealth that supports the life you want to live.
5. Preparing for Retirement
Retirement planning isn’t about an age, it’s about readiness. The earlier you begin, the more flexibility you have later.
When Leon, 48, came to us, he thought retirement advice was “too early.” After refining his super strategy and introducing salary sacrifice, he’s now on track to finish work at 60 — by choice, not necessity.
We still meet many people in their 50s wishing they’d started sooner. A proactive approach gives you more time, more certainty, and more options.
6. Receiving a Lump Sum
An inheritance, redundancy, or payout can change your financial position overnight but without direction, opportunities can slip away just as quickly.
We help clients use windfalls wisely: protecting capital, structuring for tax efficiency, and ensuring new wealth supports both today’s lifestyle and tomorrow’s security.
Why Financial Advice Matters
Financial advice isn’t about wealth for wealth’s sake.It’s about clarity, structure, and confidence knowing each decision serves a purpose.
Through advice, you gain:
Guidance and insight from professionals who understand both numbers and nuance.
A framework for growth, so you’re not just saving, you’re progressing.
Protection and perspective, with structures that support resilience.
Efficiency, ensuring your wealth works as hard as you do.
A roadmap for the future, built around your goals and grounded in care.
Experience the Linea Approach
At Linea Private Wealth, our process begins with discovering your linea - your story - and understanding your values, priorities, and the “why” behind your goals.Your first meeting isn’t about products or paperwork; it’s about perspective. You’ll leave with clarity on your next steps and whether formal advice is right for you.
“You don’t need to have everything figured out before meeting an adviser,” says Ben.“That’s what we’re here for, to bring structure, clarity, and confidence to your financial decisions.”
Don’t Wait for the “Perfect Time”
The best time to seek advice isn’t defined by income or assets, it’s defined by readiness.If you’re facing change, planning for growth, or simply want more confidence in your financial future, we’re here to guide you forward.
“You don’t need to have it all figured out before seeing an adviser. That’s our job; to help bring clarity, structure and confidence to your finances.” “If in doubt, ask.”
This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is suitable for you and your personal circumstances.
