Retirement Planning

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The business of YOU Inc – September 2019, SA Leaders Presentation

In this video presentation, Managing Partner and SA Leaders 'Industry Expert' Andrew Creaser explores the concept of 'planning for success' with a broader goals-based approach to investment, risk and estate planning strategies.

Labor’s franking policy is a ticking bomb for all super funds

The Australian Labor Party (ALP) proposal to limit cash refunds of franking credits will clearly impact many pension phase SMSFs, but we believe it also has the potential to impact many other superannuation funds. In this paper, we build a model of the key variables which determine whether a superannuation fund is likely to lose refunds of net franking credits under the ALP proposal. Our model is consistent with and helps explain an article in The Australian which reported that $309 million in [...]

Active Investment Success Relies on Finding a Top Personal “Trainer” to do the Heavy Lifting

A mate recently cancelled his gym membership at a popular city health club, citing lack of motivation, high monthly fees and a general malaise about “just not getting results’’. Out of interest, I asked him what his training regime looked like. A brisk walk on the treadmill, he confessed, followed by a quick sauna and an obligatory large iced-coffee (with cream and ice-cream) in the club lounge afterwards. Those stubborn kilos are still hanging on for dear life. Comparisons can be [...]

Powerful data reveals strong link between our nation’s happiness and financial planning

People happiest with their lot in life are most likely to have a financial plan, according to the FPA Live the Dream report. The national research of working-age Australians also includes insights into the regrets, dreams, and attitudes to matters of money and life across generations, genders and geographies. Almost one in four Australians (23%) surveyed believe they are living the dream. These enviably content people who dream big and are prepared to act of their plans are nearly three times [...]

Changes to the Assets Test for Age Pensions came into effect on January 1 – Ensure Centrelink have your correct numbers

  Last years Federal Budget included a number of significant changes to means testing for the Centrelink age pension, these changes came into effect 1 January 2017. Over the last couple of months Centrelink began communicating with those that will be affected. As a consequence of this communication we have had a number of clients report that their asset numbers seem to be inflated, which if left uncorrected will result in a lower pension entitlement under the new rules. Should this [...]

2017-01-19T23:41:36+00:00January 19th, 2017|Aged Care, Aged Pension, FinSec Post, Retirement Planning, The Story|