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Personal Life Insurance

Personal life insurance provides a financial benefit if you suffer a serious injury or illness, or death. These policies include term life, total & permanent disablement, income protection and trauma insurance. Read more…

Estate Planning

Estate planning is the process of arranging your affairs now to ensure there is efficient and effective distribution of your estate after your death. An estate plan is designed to help to protect your family and loved ones minimise taxation upon transfer of assets in a legal and logical manner as well as ensuring your wishes are followed. Read more…

Aged Care Decision Maze

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Investment Philosophy

The objective of our investment advice is to help you reliably generate the long-term net return you require in order to achieve your lifestyle goals, whilst ensuring that investment risk, investment tax and investment fees are all minimised on an ongoing basis. Read more…

Investment Risk

All investments have some form of risk associated with them i.e. they all expose you to the chance you could lose money (either notionally or permanently). In this Fact Sheet we discuss seven of the more common types of investment risk. Read more…

Limits on Super Contributions 2018-19

Superannuation rules limit the amount of money that you can contribute into the tax-advantaged superannuation system. Read more…

Negative Gearing

Gearing involves borrowing money to invest in assets that produce both income and good growth potential. Negative gearing is when you borrow to invest and the income you earn from your investments is less than the interest you pay on the loan, thus giving you a cashflow shortfall. Read more…

Save for Retirement

For most people, superannuation is the most tax-effective way to save for retirement. And, just as importantly, is the most tax-effective way to generate a retirement income. Read more…

Save money on your home loan

There are five proven strategies you can use to pay less interest on your home loan… and pay it off sooner, as we discuss in this Fact Sheet. Please note that these strategies will still be effective even if current interest rates are lower or higher than shown here. Read more…

Shares

Australian and international shares (and managed share funds) are expected to generate higher returns than cash and fixed interest investments over the long term. The return from shares may comprise a growing income stream (dividends) as well as capital growth. Read more…

SMSF

A Self-Managed Super Fund (SMSF) is a fund designed to hold and distribute retirement benefits for its members. These funds are controlled by the members and may have no more than four members. Read more…

Transition to Retirement

The Government’s ‘Transition to Retirement’ rules are designed to provide Australians with flexibility as they move from full-time work into retirement, by allowing access to preserved superannuation money to top-up their income. Other strategic opportunities are discussed in this fact sheet. Read more…

Value of advice

Our clients tell us that our financial advice gives them peace of mind knowing that professionals are looking after them, and that they are financially well prepared for the future. In addition, they say the benefits of our advice far out-weigh the cost of our advice. Read more…

What is Buy Sell Insurance

A Buy/Sell arrangement is a contract that allows transfer of a business to remaining owners if one owner dies or suffers a serious illness/injury and is unable to stay in the business. Read more…

What is Income Protection Insurance

This insurance is designed to replace your income if you are unable to work due to sickness or injury. It usually provides a monthly payment of up to 75% of your pre-tax income. Its purpose is to provide you with a regular income to help cover your living expenses so you can focus on your recovery. Read more…

What is Key Person Insurance

Key person insurance is taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business. Read more…

What is Life Insurance

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What is the difference between a wrap account and a master trust

Wrap accounts and master trusts are administration structures which enable investments (including those held in superannuation) to be held in an efficient and cost effective manner, particularly in relation to buying and selling investments, reporting, and dealing with corporate actions (such as the allocation of rights issues). Read more…

What is the risk return profile of your portfolio

When assessing the performance of your investment portfolio, one should look at both risk and return. In this Fact Sheet, we outline what our study of 38 years of financial performance (i.e. January 1979 – January 2017) tells us about the risk/return profiles of five commonly used diversified portfolios. Read more…

What is the role of Risk Insurance

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What is TPD Insurance

Total & Permanent Disability (TPD) insurance pays a lump sum on the insured person becoming permanently disabled due to illness or accident. Read more…

What is Trauma Insurance

Trauma insurance pays you a lump sum on the diagnosis of a specified non-pre-existing illness or injury, such as heart attack, stroke, cancer, and paraplegia. Read more…

Death Benefit Nomination