Twelve reasons to talk to us before June 30

Do you really want to fund 12B for fighter jets or fund another’s Lifestyle?

There is probably no better time to visit us  than right now prior to the end of the Taxx year.

If you want to minimise taxx or tune up your financial affairs then now is the time for action.

The window of opportunity closes with finality on that date! The benefits are there for you.

Which of these situations and opportunities can you utilise to maximise so that 'you are better off in three years time.'?

1.    Transition to retirement

You need to Know that there are advantages to  ensure a smooth transition to retirement.

E.g. reducing your mortgage or credit card debt today.

This is very relevant for all who are over 55 today as the rules will change on the 1^st January regarding pension tests.

As you pay zero taxx inside a pension fund when compared to super taxx on earning of 15 % it is also a smart tune up.

Remember we deliver personally to you the tactical and strategic advice that can be in the form of education, deciding on which product and on  its implementation.

2. Aggregating your superannuation into one fund

The number of people with multiple super funds is quite amazing. Helping you gather all your super bits and pieces into one simple to administer fund needs to be done sometime .

Why not do it with a non aligned adviser who will  have other useful suggestions for you.

We have Amy who spent a week ‘going around in circles’ trying to do that herself.

3. The opportunity to get a tax deduction for Income Protection

June 30 focuses you on tax deductibility.

Income protection is one such issue that needs  to be addressed before you need it to help maintain your lifestyle.

Travelling on the free-way @ Easter make us very aware of the need for cover. One Blink is all it takes.

 “If  we  could also show you a way to get a tax deduction of $1,000.00 before June 30, would you be interested?”

However can you get the cover is another issue as we have had 5 declined recently which makes us wonder what would their claim be if they had of gone direct & paid premiums.

Direct companies decline 40% of all claims.

Get it while you can.

4. Reviewing your nomination of beneficiary under your industry super fund(s)

The number of incorrect and out of date nomination of beneficiary cases is astounding.

This needs to be done now & it is too important for those you care about to be wrong.

We had an example of one whose beneficiary was his late mother even though married with 2 children aged 4 & 6. Unbelievable.

5. Ascertaining the amount of money to be allotted to your super

 Now rather than post June 30 is the time to discuss your super contributions and the type of investments they want to enter into. The limits have changed on how much you can contribute into your super.

What will be  your  final or projected figures on retirement?

 Do we need a lesson on compound interest? ‘, 'the riddle of the lily pad.’?

6. Transferring your life cover into your super

There are various advantages and limitations on placing your life cover into your super.

Be very  aware of the pros and cons of each scenario.

Discuss this with us now. Let’s make the decision.

7. Have you had  any event changes such as new family members, deaths or divorces?

The changes to your family and business fiscal health gives you an excellent reason to call us on 07 3848 1088 for  a “review and comparison” of strategy, tactics and which product  for you too.

8. Are your Employer contributions to your super correct?

Do you actually know what your entitlements are?

9. There are new & better products in insurance.

The new products, improvements and alterations to existing contracts created by the companies are quite astounding.

If you don’t know about the changes then you might be missing out.

e.g. One company provides amongst others benefits a 7.5% discount if you attend a gym.

10. Have you had your General Insurance review?

General & medical insurance just keeps going up & is there a better way.

We certainly have ideas for you to consider. Others have.

11. You might review your salary packaging

Let’s start talking to you about the advantages and benefits of what you are eligible for.

 Why not find  a check-list of what can be packaged. Let’s make  an opportunity to review your situation.

12. Have  you  been made redundant?

If so then now is the time to see how you can have help on such things as parking your super, reviewing their protection needs or even alerting you to potential employment opportunities. [We did to Andrew this week suggest a 20K better move.]

Which of these  opportunities is of interest & relevance before the end of June.

Now make the commitment to call us now on 07 3848 1088 or email us or visit our websites to check out our menu for lunch.

Do you really want to fund 12B for fighter jets or fund another’s Lifestyle?

Remember

‘If we were in your position what would we do today for you so that you are better of in three years time’.

‘Consumers do not trust online advice and still prefer to meet their financial planner face to face.

A Financial Services Council (FSC) research into consumers' digital engagement with superannuation and wealth management found that only 13% of Australians sought financial advice online, while 26% did it off-line.’

John McAuliffe