If you are about to have a baby, or have recently had one, you probably don’t need to be told that your life from this point forward is going to irreversibly and wonderfully change. Sure, there may be sleepless nights and numerous nappies to change, but more importantly there are going to be great times ahead.

The costs of clothing and educating a child can be substantial. Add to this the reality that a newly born often means a change from a two-income to a one-income family, at least in the short-term, and you start to wonder whether all those sleepless nights are really all due to teething!

As a new parent, it’s natural for you to deliberate about how you will:

• meet new expenses and live off only one wage;
• save for your child’s education;
• buy a bigger home or renovate your existing home to meet your growing family’s needs; and
• ensure your family is well-looked after should illness, or worse, affect the main breadwinner’s earning abilities.

• budgeting and savings services;
• debt management;
• lending services;
• estate planning;
• investment services;
• superannuation solutions; and
• financial protection.