Next Generation Financial Strategies is a financial planning firm based in Fullarton, South Australia, that prides itself on helping people make smart decisions about their money so that they can reach their financial goals and objectives.Superannuation and personal insurance are not top of many people's priority list but planning for your financial future and protecting your and your family's lifestyle against injury, illness or death are things that deserve your attentionWhether you are in your first job after leaving school or only a few years from retirement, it pays to understand how superannuation works. By the time you are ready to retire, your superannuation could have grown to be one of the largest assets you will have in your life. This is your investment in your future. Life insurance provides you with the peace of mind that your interests will be protected after you're gone. At a time when emotions are running high, life insurance can provide the people you leave behind with financial certainty. In the event that you can't work again, total and permanent disability insurance makes sure your long term financial needs and goals are taken care of. The money can be used to pay your medical expenses, mortgages, personal debts and to make modifications to your home. In the event you suffer a serious illness or injury like cancer, heart attack or paralysis, trauma insurance helps provide you with choices. The money could be used to pay your medical expenses and treatment costs and in some instances provide you with lifestyle choicesIncome protection insurance goes to work when you can't. It enables you to keep up with your every day living expenses if you are unable to work because of illness or injury. The monthly payment allows you to concentrate on your recovery and not on how you will pay the next bill.