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

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

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.

Retirement Pearls of Wisdom. Wealth for Women from ANZ Financial Planning

Retirement Pearls of Wisdom. Wealth for Women from ANZ Financial Planning Retirement Pearls of Wisdom Wealth for Women from ANZ Financial Planning Pearls Of Wisdom Women s wealth Women are extraordinary. For the past few decades women have been able to earn increasingly higher

More information

you know you need financial advice but who do you turn to?

you know you need financial advice but who do you turn to? you know you need financial advice but who do you turn to? As financial affairs become more and more complicated, so the need for professional advice grows. It is a fundamental principle that the earlier

More information

Helping your loved ones. Simple steps to providing for your family and friends

Helping your loved ones. Simple steps to providing for your family and friends Helping your loved ones Simple steps to providing for your family and friends Contents 01 How can I take control of who gets what? 02 Inheritance Tax 04 Do you know how much you re worth? 06 Making lifetime

More information

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE

Make your move for a secure fi nancial future GESB FINANCIAL ADVICE Make your move for a secure fi nancial future GESB FINANCIAL ADVICE ISSUE DATE: 1 July 2012 Who needs fi nancial advice anyway? Financial advice isn t just for those breathing the rarefi ed air. It s for

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

Financial advice makes a difference

Financial advice makes a difference Bridges Financial advice makes a difference Financial advice makes a difference Advice from a Bridges financial planner will help you have confidence in the decisions you make. Financial advice makes a

More information

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does.

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does. ANZ Mortgage Protection Because your mortgage payments don t stop if your income does. What if you couldn t pay your home loan? We insure our cars, our homes and other assets but what about our ability

More information

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security

Life insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER.

ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. ACHIEVE YOUR FINANCIAL GOALS WITH THE HELP OF A COMMONWEALTH FINANCIAL PLANNER. Andrew has been our financial planner for 16 17 years. During this time Andrew s advice has always been very professional

More information

Retirement planning. Choosing the lifestyle you want. Inside... retirement. How much will you need? Where will your money come from?

Retirement planning. Choosing the lifestyle you want. Inside... retirement. How much will you need? Where will your money come from? retirement Retirement planning Choosing the lifestyle you want Inside... How much will you need? Where will your money come from? Your savings Six things to think about How much will you need? Even if

More information

WEBINAR WORKBOOK: What s included? 2 x formulas to create and manage change How to write a goal and build a life plan Personal Finance HealthCheck

WEBINAR WORKBOOK: What s included? 2 x formulas to create and manage change How to write a goal and build a life plan Personal Finance HealthCheck WEBINAR WORKBOOK: A Simple 3-Step Guide Toward Creating A Life Plan And Improving Your Personal Finances In Just 60 Minutes (even if you have no idea what you want to do in your life and you re hopeless

More information

ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER

ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER CHOOSING THE RIGHT F I N A N C I A L A DV I C E Making the right decisions about your financial situation has never been more important. Knowing

More information

Protecting your lifestyle and your wealth

Protecting your lifestyle and your wealth Protecting your lifestyle and your wealth Life assurance Critical illness cover Income protection Key person and partnership protection Over 30 years experience providing independent pension advice to

More information

Your retirement options. Making the most of your retirement

Your retirement options. Making the most of your retirement Your retirement options Making the most of your retirement Your retirement your choice Retirement it s an exciting time, but it s a challenging time. So many choices, so many possibilities so how do you

More information

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM www.jaswealth.com.au Superannuation 101 Everything you always wanted to know but were too afraid to ask What is Superannuation? Superannuation 101 Contents What

More information

COMMINSURE LIFETIME INCOME ANNUITY.

COMMINSURE LIFETIME INCOME ANNUITY. COMMINSURE LIFETIME INCOME ANNUITY. A retirement income solution now with a Death Benefit Guarantee. A CommInsure Lifetime Income Annuity now offers even more comfort, protection and value with a Death

More information

Thinking about retirement. A guide to help you plan and fund your retirement lifestyle

Thinking about retirement. A guide to help you plan and fund your retirement lifestyle Thinking about retirement A guide to help you plan and fund your retirement lifestyle How to plan and fund your retirement By now, you ve done most of the hard work: holding down a career and acquiring

More information

Protect, accumulate and maximise your wealth.

Protect, accumulate and maximise your wealth. Protect, accumulate and maximise your wealth. Accumulator. Set a Solid Financial Foundation. Financial Planning is not just for the rich; it s about getting the most out of the money you have. That s why

More information

Why 50+ Adults Are Moving

Why 50+ Adults Are Moving Why 50+ Adults Are Moving Undoubtedly there are many reasons why homeowners over the age of 50 will decide to move from their homes. Many find that they re unable to continue the task of maintaining the

More information

Wealth & Planning... Financial Planning Services

Wealth & Planning... Financial Planning Services Wealth & Planning... Financial Planning Services Contents. What is financial planning? Whatever your financial goals wealth creation, retirement, investments or otherwise having a financial plan is key

More information

Home and Investment Loans. Be ready to make your move.

Home and Investment Loans. Be ready to make your move. Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

With new options available from April 2015, we can help you plan your finances for a worry-free retirement

With new options available from April 2015, we can help you plan your finances for a worry-free retirement Your retirement With new options available from April 2015, we can help you plan your finances for a worry-free retirement Life is full of financial decisions and planning your retirement is one of the

More information

ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER

ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER ALL YOU NEED TO KNOW ABOUT CHOOSING A FINANCIAL PLANNER CHOOSING THE RIGHT FINANCIAL ADVICE Making the right decisions about your financial situation has never been more important. Knowing who to turn

More information

anz@work Employee banking benefits to suit your life

anz@work Employee banking benefits to suit your life anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this

More information

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

A finance guide for working life

A finance guide for working life A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important

More information

Life insurance. Shedding light on A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY. Life s brighter under the sun

Life insurance. Shedding light on A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY. Life s brighter under the sun Shedding light on Life insurance A PRACTICAL GUIDE TO HELPING YOU ACHIEVE A LIFETIME OF FINANCIAL SECURITY LEARN MORE ABOUT: Safeguarding your loved ones Protecting your future Ensuring your dreams live

More information

Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers

Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers THE NATIONAL REVERSE MORTGAGE LENDERS ASSOCIATION NRMLA is a nonprofit trade association, based in Washington, DC, whose mission is

More information

Are your retirement plans safe? Retirement Protection Plan

Are your retirement plans safe? Retirement Protection Plan MLC Insurance Are your retirement plans safe? Retirement Protection Plan Are your retirement plans safe? Consider a protection plan Retirement Protection Plan If you re approaching retirement, you may

More information

Lifestyle Assessment and Financial Overview (Part A)

Lifestyle Assessment and Financial Overview (Part A) Achieving your lifestyle goals Lifestyle Assessment and Financial Overview (Part A) Thank you in advance for taking the time to provide the information requested overleaf. We believe that the creation,

More information

How to choose a financial planner

How to choose a financial planner How to choose a financial planner And get the most out of the relationship Page 1 Choosing a financial planner can often seem the hardest step in getting professional financial advice. Consumer research

More information

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH.

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. Your guide to RETIREMENT PLANNING I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement

More information

Income insurance. Protect your income and your lifestyle

Income insurance. Protect your income and your lifestyle Income insurance Protect your income and your lifestyle Your ability to earn an income is likely to be your most valuable asset in life. Insuring your income can give you peace of mind that your family

More information

Financial advice and you. Where to start

Financial advice and you. Where to start Financial advice and you Where to start About ASIC and MoneySmart The Australian Securities and Investments Commission (ASIC) regulates financial advice and financial products. ASIC s MoneySmart is our

More information

What you know about life insurance

What you know about life insurance What you need to know about life insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to

More information

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC

5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC 5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC Thank you for requesting this free report and taking steps toward your own financial

More information

Give your paycheck the guarantee that life never promises you.

Give your paycheck the guarantee that life never promises you. Group Benefits from The Hartford Give your paycheck the guarantee that life never promises you. Long-term Disability Group Benefits from The Hartford You re a good provider, not a superhero. I f you re

More information

11 Things Every. Trades Person. Needs To Know

11 Things Every. Trades Person. Needs To Know 11 Things Every Trades Person Needs To Know Being in the building trades you need an accountant who understands your business and the intricacies. We appreciate the unique nature of the trades including

More information

Help first-time buyers get on the protection ladder

Help first-time buyers get on the protection ladder For advisers only Help first-time buyers get on the protection ladder Affordable cover for your clients Mortgage opportunities. Protect more than just the bricks and mortar. What s inside 1 Helping your

More information

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to

More information

The value of life insurance

The value of life insurance The value of life insurance Most of us think it won t happen to me And if you are very lucky, it might not. But, chances are, many of us will have our lives interrupted by an accident, illness or death.

More information

Retirement planning. Facilitator s guide. brought to you by the commission for financial capability

Retirement planning. Facilitator s guide. brought to you by the commission for financial capability Retirement planning Facilitator s guide brought to you by the commission for financial capability Welcome to the Facilitator s guide Thinking about retirement is the first step you need to take to achieve

More information

Home Loan Refinancing Guide

Home Loan Refinancing Guide Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) $ FINANCIAL SERVICES GROUP mybroker Financial Services Group (ASIC No. 434770) Financial Services Guide (FSG) Version November 2012 www.mybrokerservices.com.au mybroker Financial Services Group FSG The

More information

One Little Mistake Cost A Retiree $10,000 Every Year In Retirement

One Little Mistake Cost A Retiree $10,000 Every Year In Retirement A Simple 3 Step System For Calculating How Much You Need To Retire Clients often say to me I am going to retire at 60. My reply is always fantastic, how much income will you have at that time and usually

More information

SignatureWOMEN. A SignatureFD Case Study on moving forward after a divorce BREAKING UP IS HARD TO DO

SignatureWOMEN. A SignatureFD Case Study on moving forward after a divorce BREAKING UP IS HARD TO DO SignatureWOMEN A SignatureFD Case Study on moving forward after a divorce BREAKING UP IS HARD TO DO BREAKING UP IS HARD TO DO Ending a marriage is difficult. Rushing through the process may lead to mistakes

More information

Investor News 1 2015

Investor News 1 2015 InvestorNews 1 2015 InvestorNews Winter 2014 Time to focus on super Contents Welcome to Investor News 1 Six steps to healthy super 2 Stay on top of your super - online 4 Super for every stage of life 5

More information

Wealth protection for Australian Small and Medium Business Owners

Wealth protection for Australian Small and Medium Business Owners Wealth protection for Australian Small and Medium Business Owners Unexpected issues In business life, as in daily life, unexpected issues can and do occur. Business owners can be temporarily or permanently

More information

PERSONAL FINANCIAL PLANNING

PERSONAL FINANCIAL PLANNING PERSONAL FINANCIAL PLANNING A GUIDE TO STARTING YOUR PERSONAL FINANCIAL PLAN THE CERTIFICATION TRADEMARK ABOVE IS OWNED BY CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC. IN THE UNITED STATES AND

More information

How to choose a financial planner. Helpful tips on choosing a financial planner

How to choose a financial planner. Helpful tips on choosing a financial planner How to choose a financial planner Helpful tips on choosing a financial planner Some tips to help you choose Often, choosing a financial planner can be the hardest step in seeking financial advice. Here

More information

Accessing your Additional Voluntary Contribution (AVC)

Accessing your Additional Voluntary Contribution (AVC) Accessing your Additional Voluntary Contribution (AVC) Accessing your AVC savings Now is the time to start making decisions about your retirement and your future. One of the most important things to think

More information

How safe are your parent s retirement plans? Retirement Protection Plan

How safe are your parent s retirement plans? Retirement Protection Plan MLC Insurance How safe are your parent s retirement plans? Retirement Protection Plan How safe are your parent s retirement plans? Consider a protection plan For them and your children Retirement Protection

More information

Life events that may derail a financial plan

Life events that may derail a financial plan Life events that may derail a financial plan The BMO Institute provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident financial future. bmoharris.com

More information

YOUR GUIDE TO BUYING A NEW HOME.

YOUR GUIDE TO BUYING A NEW HOME. YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make

More information

GUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement

GUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and

More information

What does student success mean to you?

What does student success mean to you? What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to

More information

Supplementary Financial Services Guide

Supplementary Financial Services Guide Supplementary Financial Services Guide Dated 27 July 2015 This Supplementary Financial Services Guide (SFSG) supplements Version. February 2015 of the Crowe Horwath Financial Advice Pty Ltd Financial Services

More information

Your retirement income. Exploring your options

Your retirement income. Exploring your options Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested

More information

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings 1 Many people think of life insurance as something they ll need when they get a bit older and want to ensure their loved

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

The value of life insurance

The value of life insurance The value of life insurance Important information CommInsure Protection is an insurance product which is offered through the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). Colonial Mutual

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers

Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers Using Reverse Mortgages for Health Care: A NRMLA Guide for Consumers THE NATIONAL REVERSE MORTGAGE LENDERS ASSOCIATION NRMLA is a nonprofit trade association, based in Washington, DC, whose mission is

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

AMP Risk Protection Plan Booklet. Protect what s most important to you

AMP Risk Protection Plan Booklet. Protect what s most important to you AMP Risk Protection Plan Booklet Protect what s most important to you No matter how cautious we are, the unexpected can happen to any one of us, at any time. And our lives can change in a split second.

More information

AMP Eligible Rollover Fund

AMP Eligible Rollover Fund AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN 31 008 414 104, AFSL No. 233060, the Trustee of AMP Eligible Rollover Fund ABN 32 931 224 407. Registered

More information

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation.

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation. Goldman Sachs & JBWere Superannuation Fund 2015 INSURANCE PULSE CHECK SOLD Life changes. Your insurance needs to as well. Life is a journey, full of important events, stages and milestones each with its

More information

Fact Sheet. What is the value of our advice?

Fact Sheet. What is the value of our advice? Fact Sheet What is the value of our advice? Our clients tell us that our financial advice gives them peace of mind knowing that professionals are looking after them, and that they are financially well

More information

Change of Circumstances application form

Change of Circumstances application form Change of Circumstances application form Complete this form if your circumstances have changed in any way. The fastest and easiest way to tell us about changes is using MyStudyLink. Using a MyStudyLink

More information

INVESTING IN YOURSELF

INVESTING IN YOURSELF Investment Planning INVESTING IN YOURSELF Women are different from men. So are your financial planning needs. 2 INVESTING IN YOURSELF WOMEN & MONEY There are many reasons why you might require a different

More information

> A Lifetime of Financial Security and Peace of Mind

> A Lifetime of Financial Security and Peace of Mind > A Lifetime of Financial Security and Peace of Mind Insurance solutions to meet your personal and business needs ASSANTE ESTATE AND INSURANCE SERVICES INC. Introducing Assante Estate and Insurance Services

More information

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice

WHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

Your guide to. Equity Release. with no obligation

Your guide to. Equity Release. with no obligation Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,

More information

Your guide to. retirement planning. I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash.

Your guide to. retirement planning. I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash. Your guide to retirement planning I ve been transitioning to retirement for four years. It gives me tax savings and access to extra cash. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement

More information

retirement planning the retirement you want Heineken UK Flexible Retirement Plan

retirement planning the retirement you want Heineken UK Flexible Retirement Plan my retirement planning the retirement you want Heineken UK Flexible Retirement Plan Contents Get an overview of the Heineken UK Flexible Retirement Plan What is the Flexible Retirement Plan? 4 Your benefits

More information

HEARTS &MINDS. Consumer Study. Understanding Long-Term Care Buyers. Mutual of Omaha Insurance Company United of Omaha Life Insurance Company

HEARTS &MINDS. Consumer Study. Understanding Long-Term Care Buyers. Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Consumer Study Understanding Long-Term Care Buyers Mutual of Omaha Insurance Company United of Omaha Life Insurance Company HEARTS &MINDS M28080 For producer use only. Not for use with the general public.

More information

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance

www.businessoviso.co.uk 0333 321 0060 info@businessoviso.co.uk Key Person Insurance for you and your business Key Person Insurance for you and your business 1 People are important in my business As a business owner you know what you need to make your business a success. Suitable premises, machinery and your computer systems may all

More information

Save your money! Kia ora, Welcome, Talofa. What are savings? The Wilsons. A resource to help you save your money. Income. Ruby & Johnny.

Save your money! Kia ora, Welcome, Talofa. What are savings? The Wilsons. A resource to help you save your money. Income. Ruby & Johnny. Save your money! A resource to help you save your money. Information given is of a general nature only and does not constitute personalised financial advice. While BNZ has made every effort to ensure that

More information

What Lawyers Don t Tell You The Realities of Record Keeping

What Lawyers Don t Tell You The Realities of Record Keeping What Lawyers Don t Tell You The Realities of Record Keeping Welcome to the Power of Attorney Podcast which is part of our Conversations that Matter Podcasts. My name is Mary Bart, Chair of Caregiving Matters.

More information

Have you protected the most valuable things in your home? Protecting yourself as well as your home

Have you protected the most valuable things in your home? Protecting yourself as well as your home Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical

More information

So what are these various insurances and when might you need them? A brief summary of the main types of cover is as follows.

So what are these various insurances and when might you need them? A brief summary of the main types of cover is as follows. Report No. 6 September 2013 IN THIS REPORT: We research & rate the suite of life insurance products to determine who offers the best value from the 13 companies specializing in this market. IT CAN HAPPEN

More information

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life.

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life. Personal Personal insurance Protection for all life stages Financial solutions. For life. Contents Protecting your well-being and your family s 3 Why leave anything to chance? 4 Making it easier for you

More information

SELF MANAGED SUPERANNUATION

SELF MANAGED SUPERANNUATION SELF MANAGED SUPERANNUATION Position Yourself INFORMATION PACK INFORMATION PACK SELF MANAGED SUPERANNUATION FUNDS SMSF INFORMATION SHEET MAKING THE MOST OF YOUR SUPERANNUATION Self Managed Superannuation

More information

Finance for your personal needs

Finance for your personal needs Finance for your personal needs Flexible finance from the Volkswagen specialists Choosing a new car is a very personal thing, and we think car finance should be just as personal. We re here to help you

More information

ISI Debtor Testimonials. April 2015 ISI. Tackling problem debt together

ISI Debtor Testimonials. April 2015 ISI. Tackling problem debt together ISI Debtor Testimonials April 2015 ISI Tackling problem debt together The following are the words of debtors who have availed of the ISI s debt solutions and are real cases. They have reviewed and agreed

More information

Strategy Paper: Financial Planning for Generation-Y. SMSF Specialists Investment Management Financial Planning Accounting

Strategy Paper: Financial Planning for Generation-Y. SMSF Specialists Investment Management Financial Planning Accounting Strategy Paper: 190 Through Road Camberwell VIC 3124 T: (03) 9809 1221 F: (03) 9809 2055 enquiry@gfmwealth.com.au www.gfmwealth.com.au ABN 69 006 679 394 Financial Planning for Generation-Y SMSF Specialists

More information

As life happens, we re here for you

As life happens, we re here for you As life happens, we re here for you AMP claims paid 2014 Live life knowing we ll be there for you Like most people, you probably think something bad will never happen to you. Hopefully you re right. But

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September 2013. Protecting your financial future with us

Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September 2013. Protecting your financial future with us Loan Protection Product Disclosure Statement (PDS) Issued: 1 September 2013 Protecting your financial future with us Issued by: MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096, Level 9, 2 Park

More information

Getting the best out of your superannuation savings

Getting the best out of your superannuation savings Booklet 1 Getting the best out of your superannuation savings MAStech Smart technical solutions made simple Contents Introduction 01 Introduction 03 Saving through super 08 How a super fund works 09 How

More information

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance...

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance... Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance

More information

Protecting Workers Entitlements Package

Protecting Workers Entitlements Package Protecting Workers Entitlements Package OVERVIEW The Gillard Labor Government s Protecting Workers Entitlements package will provide the strongest protection of employee entitlements Australian workers

More information

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive

CREATE TAX ADVANTAGED RETIREMENT INCOME YOU CAN T OUTLIVE. create tax advantaged retirement income you can t outlive create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-Free

More information

Planning for Retirement Asking the Right Questions Personal Questions to Ask by Life Stage

Planning for Retirement Asking the Right Questions Personal Questions to Ask by Life Stage Planning for Retirement Asking the Right Questions Personal Questions to Ask by Life Stage Introduction With the shift to more personal responsibility for retirement planning, individuals are faced with

More information

The complete guide to becoming a mortgage advisor

The complete guide to becoming a mortgage advisor The complete guide to becoming a mortgage advisor Mortgage advisors help people with one of the biggest purchases of their lives, helping them to secure a mortage to buy or re-mortgage property. If you

More information

LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS

LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS LTCI PLANNING AND SALES TECHNIQUES FACT FINDERS JANUARY 2006 Long Term Care Insurance Products are Underwritten by Genworth Life Insurance Company, and in New York, by Genworth Life Insurance Company of

More information

Your guide to Volkswagen Financial Services

Your guide to Volkswagen Financial Services Your guide to Volkswagen Financial Services 1 About Volkswagen Financial Services Volkswagen Financial Services Product Benefits Personal Finance Consumer Loans 12 Novated Lease / Salary Packaging 14 Business

More information

Financial Services Guide (FSG)

Financial Services Guide (FSG) Authorised for distribution by: Eastwoods Wealth Management Pty Ltd trading as Beyond Bank Australia Wealth Management ABN 17 008 167 002 Australian Financial Services Licensee 237853 62 The Parade, Norwood

More information