CLIENT
EDUCATION

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to debt management.

  Debt management (PDF, 441kb), opens in new window

  Redraw facility (PDF, 436kb), opens in new window

  Debt recycling (PDF, 437kb), opens in new window

  Costs and risks of reverse mortgages (PDF, 444kb), opens in new window

These documents provide provides some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to retirement income.

  Account Based Pensions (PDF, 471kb), opens in new window

  Transition to Retirement Pensions (PDF, 457kb), opens in new window

  Term Allocated Pension (PDF, 590kb), opens in new window

  Annuities (PDF, 441kb),opens in new window

  Transfer balance cap (PDF, 470kb),opens in new window

  Pooled lifetime income streams (PDF, 457kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to social security.

  Age Pension (PDF, 446kb),opens in new window

  Aged Care (PDF, 456kb),opens in new window

  Disability Support Pension (DSP) (PDF, 442kb),opens in new window

  DVA Service Pension (PDF, 450kb),opens in new window

  Gifting (PDF, 438kb),opens in new window

  Insurance bond in a private trust (PDF, 447kb),opens in new window

  JobSeeker payment (PDF, 460kb),opens in new window

  Pensions Income and Assets Tests - Centrelink (PDF, 443kb),opens in new window

  Strategies to increase Centrelink or DVA entitlements (PDF, 454kb),opens in new window

  Waiting periods (PDF, 450kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to insurance.

  Income Protection Insurance (PDF, 450kb),opens in new window

  Term Life Insurance (PDF, 438kb),opens in new window

  Total and Permanent Disablement - TPD - Insurance (PDF, 445kb),opens in new window

  Trauma or Critical Illness Insurance (PDF, 440kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to wealth accumulation (superannuation).

  Cash out and re-contribute to super (PDF, 454kb),opens in new window

  Co-contribution (PDF, 442kb),opens in new window

  Consolidate superannuation (PDF, 430kb),opens in new window

  Downsizer Super Contribution (PDF, 503kb),opens in new window

  First home super saver scheme (PDF, 468kb),opens in new window

  Non-concessional contributions (PDF, 445kb),opens in new window

  Personal deductible contributions (PDF, 452kb),opens in new window

  Salary sacrifice (PDF, 448kb),opens in new window

  Splitting superannuation contributions (PDF, 440kb),opens in new window

  Spouse contributions (PDF, 446kb),opens in new window

  Superannuation (PDF, 467kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to estate planning.

  Advance Care Directive (PDF, 434kb),opens in new window

  Family Trusts (PDF, 476kb),opens in new window

  Powers of Attorney (PDF, 438kb),opens in new window

  Special Disability Trust (PDF, 566kb),opens in new window

  Superannuation death benefits (PDF, 470kb),opens in new window

  Testamentary Trusts (PDF, 440kb),opens in new window

  Wills (PDF, 469kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to investment concepts.

  Asset Allocation (PDF, 497kb),opens in new window

  Child savings plans (PDF, 447kb),opens in new window

  Costs and risks of derivatives (PDF, 436kb),opens in new window

  Costs and risks of direct property (PDF, 572kb),opens in new window

  Dollar cost averaging (PDF, 446kb),opens in new window

  Insurance Investment Bonds (PDF, 452kb),opens in new window

  Investment risks (PDF, 423kb),opens in new window

  Managed funds (PDF, 436kb),opens in new window

  Managed Discretionary Accounts (MDA)(PDF, 709kb),opens in new window

  Separately Managed Account (SMA) (PDF, 517kb),opens in new window

  Set and maintain a budget (PDF, 437kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to tax.

  Small business CGT concessions (PDF, 453kb),opens in new window

  Redundancy payments (PDF, 556kb),opens in new window

  Salary packaging (PDF, 441kb),opens in new window

  Tax considerations for non-residents (PDF, 436kb),opens in new window

  Taxation (PDF, 455kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to business insurance.

  Business Continuation Insurance (PDF, 442kb),opens in new window

  Business Expenses Insurance (PDF, 437kb),opens in new window

  Business Succession Agreement and Funding (PDF, 464kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to gearing.

  Costs and risks of gearing (PDF, 614kb),opens in new window

  Costs and risks of gearing into superannuation (PDF, 561kb),opens in new window

  Costs and risks of margin lending (PDF, 457kb),opens in new window

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to self-managed super funds.

  Commencing an SMSF pension (PDF, 448kb),opens in new window

  Costs and risks of borrowing by self-managed superannuation funds (SMSF) (PDF, 613kb),opens in new window

  Key SMSF investment rules (PDF, 443kb),opens in new window

  Limited Recourse Loan (PDF, 502kb),opens in new window

  Self-managed superannuation funds (PDF, 501kb),opens in new window

  The SMSF Investment Strategy (PDF, 440kb),opens in new window