Life Stages
Choose Your Life Stage-
…"Where will you be in 10, 20, 30 year's time?"
Financial security isn't about any age group. It reflects how prepared you are for life events. New opportunities and responsibilities happen at every stage. Career choices, family changes, major purchases and investments all take planning and perspective. These PARTNER Profiles show how tailored financial plans helped different people at different times in their lives.
Click on the link that best describes your situation.
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(AGED 30-50) |
- Single or Young families
- Debts such as mortgage are high concern for security in retirement is starting to be raised.
- Good disposable income
- Limited capital base
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- Pay off mortgage
- Investing for retirement
- Buying investments
- Tax minimisation
- Requiring investment growth
- Education funding
- Estate planning
- Income & asset protection.
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- How to build you wealth and achieve lifestyle expectations
- Developing investment programs using:
- Salary Sacrifice
- Gearing
- Dollar Cost Averaging
- Income/contribution splitting for superannuation
- Income Protection, Life & Trauma Insurance
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(AGED 45 – 55) |
- Single or married with older children
- Children no longer living at home or studying
- Living a comfortable lifestyle – engaging preferred activities, hobbies, holidays etc.
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- Tax planning and optimisation
- Estate Planning
- Cash flow and asset management
- Budgeting & modelling retirement income scenarios
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- Retirement Planning -
- Salary Sacrificing
- Negative Gearing
- Savings
- Investment Programs
- Structuring investments and superannuation to maximise post tax income and social security (Centrelink) benefits
- Using various tax structures to optimise wealth
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(AGED 55+) |
- Married or single
- No dependants
- Generally no debts
- Free time
- Concerns about income
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- Generate a regular income
- Maximise social security re income streams
- Minimise income tax
- Have both security and growth of capital
- Estate Planning
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- Pension strategies – allocated pensions, complying pension,
- Centrelink asset and income test treatment
- Tax treatment of income and capital growth.
- Security and stability of capital
- Wills, testamentary trusts, binding death benefit nominations
Find out more...
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- Self directed
- Prepared to structure for maximum outcome
- Often the main revenue driver
- Bank loans and other debts
- Taxation and GST requirements
- Time poor
- Variable cash flow
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- Maximising net wealth position
- Protection of assets
- Continuity of income
- Partnership agreements
- Key person cover
- Tax effective investing
- Service requirements
- Exit strategies & business succession
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- Structuring to achieve optimum returns
- Using cash flow to enhance personal wealth position
- Buy/Sell agreements
- Life & Income Protection
- Employee Super and Group Insurance
- Additional Finance
- Superannuation and Self Managed Funds
- Asset protection
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