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  • A Brief background on Income Protection Insurance & Waiting Periods

    Income protection insurance is insurance cover designed to act as an income replacement for a specified period when you are unable to work due to illness or injury. Income protection insurance usually cover up to 75% of your salary and often, insurance providers may give you the option to add additional riders such as a super guarantee option or an increasing claims option. At the time of completing the application you will need to choose an appropriate benefit and waiting period. Read All

  • Term Deposits: What Are They and How Do They Work?

    Term Deposits are an easy, simple and useful way to invest your funds that can help you save some extra money. But what exactly is a term deposit? Well, as the name denotes, a Term Deposit is a sum of money that is invested, or deposited, for a fixed amount of time, a term, at a fixed interest rate over the period of the investment. Read All

  • 7 Tips to Maximise Your Super

    With the constant changes in legislation affecting superannuation, it can be difficult to keep up with the changes affecting you. We have prepared a summary of our 7 tips to maximise your Superannuation. The 2017-18 financial year saw a big cut in contribution caps for both after-tax contributions and before-tax contributions. Read All

  • Proposed Changes to Work Test and Non-Concessional Contributions for those between 65 and 74

    As it currently sits, any individual between the ages of 65-74 with a superannuation balance under $300,000 must satisfy the work test for each year they wish to make a non-concessional (after-tax) contribution. The work test states that an individual must have been gainfully employed for at least 40 hours for a period of not more than 30 consecutive days in the financial year they wish to contribute. Read All

  • Super Guarantee and Multiple Employers for highly paid employees

    With many Australians having more than one employer It’s not uncommon for people to have Super Guarantee from Multiple Employers paid to separate funds. We often find employers simply default their employees to a single fund leading to multiple Superannuation Guarantee accounts with various Superannuation providers. Those individuals fortunate enough to have a high paying job can sometimes run into difficulty where Super Guarantee Contributions are concerned. Read All

  • Do You Need a Financial Advisor?

    Do you need a financial advisor when choosing between the name brand can of tomatoes or picking up the cheaper store brand can. Clearly not… But, the financial decisions that we make day to day eventually all add up and impact on our financial futures. Read All

  • What is a Transition to Retirement Pension?

    You may have heard of the term Transition to Retirement and may have found yourself asking what is a Transition to Retirement Pension? Simply put, a Transition to Retirement (TTR) pension allows you to access your super without having retired, granted once you meet preservation age. A TTR will allow you to maintain your lifestyle while reducing your working hours or even your salary sacrifice arrangement, saving you tax. Read All

  • A 5 Step Guide to Help You Achieve Expert Financial Advice

    If you’ve recently considered getting financial advice from a professional, you may have found yourself a tad overwhelmed with the plethora of information available on the web and the multitude of sources of Financial advice available, from receiving financial advice from your personal banker to a professional of an independently owned financial practice, the list is endless. To help in your pursuit of obtaining expert financial advice, we’ve compiled a 5-step guide to help point you in the right direction. Read All

  • 2018 Budget Proposals: Increase to Number of SMSF Members

    The 2018 Federal Budget announcement on 8 May 2018 introduced a few key changes where Self-Managed Super Funds (SMSFs) are concered, one of them being the increase in the number of SMSF members. Read All

  • What to Know About the Pension Loan Scheme

    The Pension Loan Scheme is just what the name denotes; a loan arrangement offered by the Australia government available to those who meets the age pension age test. The Pension Loan Scheme provides Australian pensioners short-term support in the form of a loan that is repaid in regular fortnightly payments. Read All

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