Having a business succession plan plays an important role in ensuring both the business and its owners are protected in the event of the departure of an owner.
Coming to terms with the grief of suddenly losing your spouse is difficult to deal with. It is also a time when inconveniently there are a number of things that need to be done to keep your financial house in order. Along with funeral arrangements, the following practical considerations need to be made in the event of your spouses passing.
Planning for your retirement requires a level of financial literacy your financial planner can help you navigate. By identifying your retirement lifestyle goals and bucket list you want to achieve in your retired years, you set yourself up for greater confidence to comfortably move along with your future.
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"Over the years you have been working, you may have had multiple employers, changed your address or your name. This make's it very easy to lose track of your superannuation"
Over the years you have been working, you may have had multiple employers, changed your address or your name. This make's it very easy to lose track of your superannuation. Having multiple super accounts means multiple fees, so it is important to be aware of what super accounts you have. You should also be aware of how much your employer is contributing and what insurance your super funds provide you with.
The easiest way to keep track of your super is through a MyGov account. On here you can;
- See the details and balances of all of your super accounts. There may be some on there you even forgot about.
- Rollover super funds from these forgotten accounts into the super account of your choice.
- See super held by the ATO. If the government, your super fund or your employer can't find an account to transfer your super to, the ATO will hold it on your behalf.
- Consolidate super accounts by transferring your super into your account of choice.
If you wan't to talk to a Financial Planner about optimising your superannuation...
Splitting your super contributions is when you nominate to transfer a portion of your Superannuation to your spouse.
Staying with or choosing a Financial Planner who doesn't understand your goals or meet your needs, could end up being a long-term financial burden.
For discerning families that want to ensure there are no conflicts or biases in the advice they receive, an Independent Financial Planner is the obvious choice.
ince we as investors cannot control the fluctuating nature of the stock market, the best we can do is understand it better so we can invest more wisely.
This blog is the final article in a three-part series explaining Financial Risk. In this article, we will discuss the importance and relevance of diversification and other investments that may affect your financial situation. If you have any questions, or wish to discuss financial risk further, contact one of our friendly Independent Financial Planners today.
This blog is the second in a three-part series explaining Financial Risk. In this article, we will discuss asset classes that may affect your financial situation.
This blog is the first in a three-part series explaining Financial Risk. In our first article, we will discuss what risk is and how the risk/reward relationship is relevant to your financial situation.
It is important to have a will to save your friends and family a lot of extra stress in the event that you pass away. We have compiled a list of things to consider when writing your will.
When seeking financial advice, it is important to ask these five questions.
Self-managed super funds are just that, self-managed. This allows for an extra level of control over the funds that you wouldn't be afforded with a regular super fund.
Superannuation has existed in Australia since the early 1900's. As our population ages, the rules around your Superannuation change. It is often difficult to keep track of the basics of Super, so we have created this quick guide to answer some of your questions.
There are a few things you need to know when choosing a super fund. It is important to do some research and ask around before you commit to your chosen fund.