Your opportunity to be better off. Wealth for Women. from ANZ Financial Planning

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1 Australia and New Zealand Banking Group Limited (ANZ) ABN ANZ s colour blue is a trade mark of ANZ. Item No W Your opportunity to be better off Wealth for Women from ANZ Financial Planning

2 Women s wealth Women are extraordinary. For the past few decades, women have been able to earn increasingly higher salaries, start and run more companies as well as influence more buying decisions than ever before. All this while still caring, nurturing and loving everyone else in their world. But while nearly 100 per cent of women are confident about managing their day to day finances, many don t feel confident in investing or protecting their income or assets.* At ANZ we are committed to educating and helping women of all ages achieve their financial goals, because we understand how many employees, family members, relatives and friends rely on women. No matter the life circumstances, if women are to continue to be an economic force they have an important mission to learn more about growing their wealth and understand investing. With so much responsibility resting on women s shoulders it helps to rely on someone who can share the load. That s why you should seek advice from an ANZ Financial Planner. They make sense of wealth management and investing because they understand more than finance. Whatever your age or circumstances it is never too early to start planning for financial success. What s more, its reassuring to know ANZ has financial planners that can help you quickly identify the areas that are of most relevance to you and your lifestyle. Of course, improving your financial position does takes time. But recognising the need to act is the first, and most vital step on your journey to being better off. *ANZ Financial Planning What Women Want research project conducted by TNS, 2007

3 Starting out building on the right foundation The old saying, Time is Money applies to investing. So the sooner you start, the better off you can be. In fact getting it right in the earlier stages of your working career can be like laying the foundation for your success later in life. You might be in a new job, thinking about starting a family, setting up a business or buying your first home. An ANZ Financial Planner can help you with important considerations like protecting your independence, insuring against loss of income in the event of illness or disability, or borrowing to invest. It s never too early to start preparing for your future an ANZ Financial Planner will start out by helping to define your financial goals, then develop a step by step plan to achieve them. Jane s story As an educated, young mother of two, Jane had grand plans to start a small business around her passion for art and craft. Trouble was, with only her husband Jeff s income to support the family, providing for the children and making sure all the bills got covered was her biggest focus and worry. Finding that bit extra to get her business up and running always seemed to be just out of reach. But seeing an ANZ Financial Planner changed all that. Her planner was able to bring her dreams closer to reality by creating a plan that: Helped her set a budget that didn t compromise their lifestyle but helped her work toward that bit extra she needed to start the business Made the most of their income by taking advantage of tax deductions for some of their insurances Made sure the children would have everything they needed if she or Jeff were to fall sick and not be able to provide for them. And it didn t cost a fortune because it was paid for through their super. Thanks to her financial planner, Jane was able to start her dream business from home without forgoing their lifestyle. But more importantly, she was able to do so with the peace of mind that if anything did go wrong, she and her family were safe financially. To see how ANZ Financial Planning has changed the lives of other customers, go to and watch some real life stories.

4 Mid life makeover time to get rid of the blemishes Like you, your investments have probably been working for some time. By now you should be seeing some return. This is a time of reassessment for both you and your investments. From an investment perspective you have the opportunity to look at what works and what doesn t. You may even want to start looking at enjoying the fruits of your labor or how you might like a life change for example starting your own business or even winding down. An ANZ Financial Planner can help you be better off in the mid years by planning for the luxuries you want to afford now, while putting in place a strategy to provide for your desired retirement lifestyle. Rebecca s story With one in two marriages ending in divorce, Rebecca s story is all too common, having separated from her first husband while her son Jordan was still young. Fortunately, Rebecca was lucky enough to meet the man of her dreams a few years later and now lives happily with him and his two children, Thomas and Chloe. But with Thomas and Chloe about to move out, Rebecca s life is changing. She has plans to downsize the family home and enjoy some of the spoils of their hard work with an inner city lifestyle and a bit less work. With so much to consider, Rebecca s biggest concern was making sure that their enjoyment now wouldn t be at the expense of their retirement, or providing a good start for their kids. An ANZ Financial Planner created a plan that: Gave her a clear path to retirement by putting their super in one place and projecting what their lifestyle would look like Balanced their super contributions for the best tax result as she wound down at work Set a clear budget to allow them the lifestyle they deserve, confident in the knowledge that their retirement would be all they dream of Gave her peace of mind that Jordan, Thomas and Chloe would all be looked after should the unthinkable happen, by putting in place a clear estate plan. To see how ANZ Financial Planning has changed the lives of other customers, go to and watch some real life stories.

5 The later years You re in the best shape of your life. And it shows. Amanda s story Retirement is a major step for anyone but now you have the option of easing into it, reducing your workload and supplementing your income with a pension. A professional financial planner can help you plan for your retirement lifestyle, protect you against later health care costs and help you start thinking about making sure your legacy looks after the people you care about. This should be where all your hard work begins to pay off. Investments may be at their maximum earnings potential and your retirement plans should be meeting expectations. Stopping work is one of the biggest life challenges anyone can go through. With the right financial plan in place you may be able to stop working and still maintain an excellent lifestyle. An ANZ Financial Planner can help you be better off in the later years by helping you make the most of your superannuation, other investments and finances. After a successful and consuming career, Amanda was eagerly anticipating the freedom of semi retirement. The kids had left home, the mortgage has been taken care of and her lifestyle was great. But her excitement was tempered by the daunting number of financial issues to think about as she wound down at work. With so much to consider, like providing for the children, managing tax and making sure she ll have enough when she does decide to fully retire, Amanda sought the advice of an ANZ Financial Planner. She was able to set in place a plan that: Took advantage of new superannuation rules that allow her (now she s over 55) to sacrifice all of her income into her super, and draw down a transitional pension. That means she s paying less tax, her cash flow hasn t changed, but she s putting much more into her super Is building a great nest egg for the grandkids that are hopefully on the way, through regular contributions to a special trust fund Gives her a clear picture of what her lifestyle will be like in retirement through projecting her super benefits Provides for all of her children (and of course her beloved cat Mogs) should she pass away unexpectedly. To see how ANZ Financial Planning has changed the lives of other customers, go to and watch some real life stories.

6 Why you should see an ANZ Financial Planner We have financial planners to suit you At ANZ we have over 390 professionally qualified male and female financial planners ranging from 28 to 55 years. So we can find the right planner for you. Someone you can relate to and build a long term, trusting relationship with. It s easy to get started It s never too early to start planning your financial future. Your first appointment with an ANZ Financial Planner is no obligation. In your first meeting, your planner will talk to you about YOU. Your current lifestyle, your goals and the life you want to live. From here your planner can arrange a step by step plan to get you there and you decide how quickly or not you want to start implementing. You know you can trust an ANZ Financial Planner There are many benefits of seeing a professional financial planner from one of Australia s most established banks. All ANZ Financial Planners are strictly regulated by the Australian Securities Investment Commission (ASIC), and what s more ANZ Financial Planning are principal members of the Australian Financial Planning Association (FPA). For more information on the comprehensive code of ethics and legislation which our planners have to abide by, see the Head of the FPA Joanne Bloch s presentation on At ANZ all our planners are salaried employees of the bank ANZ s professional financial planners are all salaried employees of the bank. At ANZ you can choose the way ANZ Financial Planning is remunerated. It can either be a fee for advice or a commission based structure. The choice is yours. ANZ Financial Planners have access to a wide range of industry fund managers and insurers. Tick here and take along to your local ANZ Branch Changing jobs or facing redundancy Travelling for an extended period Affording your wedding/getting married Starting a family or having a baby Buying a first home, investment property or renovating Providing for your children s education Going through a separation or divorce Preparing to retire Dealing with an inheritance/sum of money ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited ABN , the holder of an Australian Financial Services Licence. Be better off To see how ANZ Financial Planning changed the lives of ANZ customers, go to and watch some real life stories. To find out how an ANZ Financial Planner can help you be better off, come into your local ANZ branch, call or visit to make an appointment today.