2H2015

Case Study: Business Partnership Insurance

Case Study: Business Partnership Insurance

The following case study is a look at how we helped clients of ours that had not reviewed how their business had changed since last they addressed their business partnership insurance needs. It demonstrates the process we took to determining appropriate changes to their insurance setup and the outcomes of that process.

Money Management: SMSFs Asset Allocation Too Risky

Money Management: SMSFs Asset Allocation Too Risky

Self Managed super funds (SMSFs) are exposing their portfolio’s to a high investment risk, with a shift towards growth assets, co-founder of Finametrica, Paul Resnik said.

Money Management Article — Research confirms advice is pivotal to super

Money Management Article — Research confirms advice is pivotal to super

The provision of financial advice has become increasingly pivotal to superannuation funds and those funds need to do more to drive its take up, according to new research conducted by actuarial consultancy, Rice Warner, for State Street Global Advisors.

Case Study: Planning for Centrelink & Re-contribution Strategy

Case Study: Planning for Centrelink & Re-contribution Strategy

The following is a case study of clients we helped transition into retirement by providing clarity around how their financial position could look in retirement, along with analysing options on how they could structure their assets for their retirement. Ultimately, this lead to eligibility to the Centrelink Age Pension and a reduction in estate taxes to any non dependent beneficiaries.

Direct Share Investment: Benefits & Risks

Direct Share Investment: Benefits & Risks

Incorporating direct share ownership into an investment portfolio is not a perfect science. It may be appropriate to start your investment journey with one or more direct shares or it may be something that is included when spreading assets out at retirement. For many people, it may never be appropriate. 

This article takes a look at some of the benefits and risks associated to investing into shares directly. This list is by no means exhaustive, but captures some major considerations.

Transition to Retirement

Transition to Retirement

Are you 56 or older and still working OR do you know someone who is?  

The big question we get from a lot of people that we meet in their mid 50's - Do we focus our income to paying off our home or start contributing more into super for retirement?

While this can seem like a perplexing decision there is more than often a simple solution to be had. To be perfectly honest the numbers speak for themselves.

Leaving Superannuation & Insurance Proceeds to Your Kids

Leaving Superannuation & Insurance Proceeds to Your Kids

…that your adult kids might have to pay a lot of tax if you leave them your superannuation & insurance proceeds?

This can be a particular issue where you:

  1. Are splitting your assets amongst your children – for instance you leave the house to one child, and your super to another; and/or
  2. You have some children that are dependents and some that are not!

Aussies Underinsured by $1.8 Trillion

Aussies Underinsured by $1.8 Trillion

Australia’s underinsurance gap stands at $1.8 trillion, according to the latest figures from Rice Warner.

The report concludes:

  • Australians are covered for just 38% of their income replacement needs; and
  • The typical middle-income Australian family with two children is underinsured by $422,000 (median level of life insurance).