He first sought advice from a financial planner about 26 years ago.

“I believe you have to start early, so you know whether you are on the right track for retirement or not, and know the changes you have to make to get there,” Mr Moore said.

“It was the best move I ever made.”

Mr Moore said he had no money worries due to financial planning decisions.

“It allows me to live the lifestyle I’ve become accustomed to, and it allows me to do what I want to do, within reason,” he said.

“I would hate to have to rely on handouts from the government to survive.”

Mr Moore has taken up antique collecting since he left full-time work and he has overseas travel plans too.

Canada, Africa and New Zealand are destinations on his bucket list.

Mr Moore is a semi-retired paramedic.

StatePlus head of advice Dr Suzanne Doyle emphasised the importance of seeking financial advice regardless of people’s stage in life.

She said financial planners could help people with strategies to make the most of what they had.

Dr Doyle said when people were young their priorities were often about mortgages and children, and that was when budgeting and saving were important.

Income protection, superannuation and planning how to provide for retirement and aged care become important as the years progress.

Dr Doyle advises people seek advice from a financial planner regardless of how small their goal is.