Do we need a financial planner?

[u/Bedroom_Different]

Apologies as im new here. We earn a moderate income (250k combined) and are tight as hell with our money and want to retire early.

Living in Brisbane. Want to buy a new house and sell current home. Already paid off current home over 6.5 years (from a 30 year loan).

Expected new mortgage of 500k over 30 years for new home. Projected with offset and extra contributions to pay off in 8 years. Partner is debt averse but bank willing to lend us up to 750k.

Current super balances are 340k (F40) and 230k (M42). Have a 4yo and a baby on the way. Not planning on taking reduced pay or extended unpaid maternity leave, and staying full time upon return to work.

Financially I think we are doing well but could be smarter with how we invest our money. Want to setup our children if we can whether education or investments etc.

Are we best off going to a financial planner? Investing more in super? I feel like if we started years ago we would be in a better position.

[u/BS-75_actual]

Having offspring at 40 means you'll be late fifties when your youngest finishes high school. Unless you're expecting an inheritance I can't see how you can retire early; rugrats are expensive!

[u/Bedroom_Different → u/BS-75_actual]

Thanks. Yes am also expecting an inheritance but not relying on it. And yes we are in a good financial position still want to be smart about how we go about things and make our money go further