Debt Management Strategies

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.

Understanding debt management – version 5.0

Debt management

Redraw facility

Debt recycling

Costs and risks of reverse mortgages


Retirement Income Strategies

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.

Understanding retirement income – version 5.2

Understanding the $1.6 million transfer balance cap – version 1.1

Account Based Pensions

Transition to Retirement Pensions

Annuities

Transfer balance cap


Social Security Strategies

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.

Understanding social security – version 5.1

Age Pension

Aged Care

Disability Support Pension (DSP)

DVA Service Pension

Gifting

Insurance bond in a private trust

Newstart Allowance

Pension Income and Assets Tests – Deparatment of Human Services

Strategies to increase Department of Human Services or DVA entitlements

Waiting periods


Insurance Strategies

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

  Understanding insurance – version 5.2

Income Protection Insurance

Term Life Insurance

Total and Permanent Disablement – TPD – Insurance

Trauma or Critical Illness Insurance


Superannuation Strategies

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).

Understanding superannuation – version 5.2

Cash out and re-contribute to super

Co-contribution

Consolidate superannuation

First home super saver scheme

Non-concessional contributions

Personal deductible contributions

Salary sacrifice

Splitting superannuation contributions

Spouse contributions

Superannuation


Estate Planning

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.

Understanding estate planning – version 5.2

Advance Care Directive

Family Trusts

Powers of Attorney

Special Disability Trust

Superannuation death benefits

Testamentary Trusts

Wills


Investment Concepts

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.

Understanding investment concepts – version 5.3

Asset Allocation

Child savings plans

Costs and risks of derivatives

Costs and risks of direct property

Dollar cost averaging

Insurance Investment Bonds

Investment risks

Managed funds

Separately Managed Account (SMA)

Set and maintain a budget


Tax

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

Understanding tax – version 5.1

Small business CGT concessions

Redundancy payments

Salary packaging

Tax considerations for non-residents

Taxation


Business Insurance Strategies

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.

Understanding Business Insurance – version 5.2

Business Continuation Insurance

Business Expenses Insurance

Business Succession Agreement and Funding


Gearing

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

Understanding gearing – version 5.1

Costs and risks of gearing

Costs and risks of gearing into superannuation

Costs and risks of margin lending


Self Managed Super

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.

Understanding SMSF – version 5.1

Commencing an SMSF pension

Costs and risks of borrowing by self managed superannuation funds (SMSF)

Key SMSF investment rules

Limited Recourse Loan

Self managed superannuation funds

The SMSF Investment Strategy

 

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