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

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

2 Andrew has been our financial planner for years. During this time Andrew s advice has always been very professional and of great assistance to us. His advice has kept us in a position of financial stability. C

3 HOW FINANCIAL PLANNING CAN HELP YOU. It pays to get good advice Financial planning isn t just about making money it s about creating new opportunities to reach your goals. Wherever you are today, financial planning can get you moving in the right direction. And with the help of Commonwealth Financial Planning, you can start to make your goals a reality. Commonwealth Financial Planners have access to the latest tools, resources and the expertise to develop a plan to make the most of your personal situation. They ll listen to you, understand your needs and goals, then work with you to develop a personalised plan for your future, even if your circumstances change. A long-term partnership bringing more than just financial benefits Achieve your goals Design a plan that saves and helps your money grow, so you can reach your goals. Become debt free Pay off your home loan and other borrowings faster and make debt work for you, not the other way around. Invest for your kids future Make sure you can give your kids the best possible start in life. Become financially secure Grow and protect your wealth and look forward to the future with confidence. Get a better work-life balance Achieve the freedom to work because you want to, not because you have to. Retire in comfort Retire when you re ready and enjoy a retirement lifestyle that s worth looking forward to. 1

4 A PLAN FOR WHEREVER YOU ARE IN LIFE. At each stage of your life, you ll have different goals, so the advice you ll need will be different. A Commonwealth Financial Planner can help make sure you re right where you need to be, with advice that s as individual as you are. At this age: 30s 40s You may be: Getting married Starting a family Buying a house Starting a business Paying off a home loan Paying for children s education Buying an investment property Receiving an inheritance A Commonwealth Financial Planner can help you with: Short-term and long-term financial goals Managing debt Managing pay rises and bonus payments effectively Saving for education or holidays Life and income protection insurance Strategies to grow your super and investments Managing debt Maximising your super Tax-effective strategies to get more out of your income Adjusting or building your existing investment portfolio Life and income protection insurance Creating a plan to support your children or family financially 2

5 My financial adviser helped me invest all the money from selling my home into my super fund when I retired. That was extremely important and helpful because that sum of money invested into my super ensures that I have a good allocated pension each month to live comfortably. 50s 60s 70s Working less Finishing off your home loan repayments Travelling again Renovating Planning for retirement Travelling more Getting ready for retirement Downsizing your home Starting new hobbies Preparing an inheritance for your children Moving into a retirement home Achieving a work-life balance Reducing and managing debt Transitioning from work to retirement Maximising your super Building or adjusting your investment portfolio Accessing available Government benefits Saving for children or grandchildren Maximising your super Transitioning into retirement Accessing available Government benefits Sharing money with your children or grandchildren Maximising income in retirement Wills and estate planning Pensions and social security Investment strategies to provide you with a retirement income Aged care advice 3

6 ACHIEVING YOUR FINANCIAL GOALS. No matter what stage of life you re in, and whether you re an experienced investor or an absolute beginner, financial advice can help you make the most of what you have so you can get to where you want to go. Areas of advice Financial strategies Type of advice offered Budgeting and saving for the future Reducing and managing debt Tax-effective ways to help you save Insurance and wealth protection Protecting your income and your lifestyle Life, disability and trauma insurance to protect you and your family Investing to protect your wealth across market cycles Superannuation Investments Retirement Rolling over or consolidating your super Growing your super Starting or growing your self-managed super fund (SMSF) Transition to retirement (TTR) strategy UK pensions Managed funds Shares Investing for a goal Borrowing to invest Annuities Allocated or account based pensions Planning for retirement 4

7 WHAT TO EXPECT THROUGH THE FINANCIAL PLANNING PROCESS. It all starts with a conversation about you, your family, your future and your goals in life. At your initial, no-obligation consultation, your Commonwealth Financial Planner will work closely with you to understand your current situation, show you how to set realistic goals and then work out the steps you need to take to achieve them. Above all, they ll make sure any financial strategies are tailored to your situation, risk appetite and personal goals. Step 1 Meet and greet At your initial, no-obligation consultation, your Commonwealth Financial Planner will want to know all about you and your family, your plans for the future, and how comfortable you are with risk. To prepare, you ll need to think about what you want to achieve, such as your short-term and long-term goals, the kind of lifestyle you want now and in the future, and what you want to change. Before your first meeting we ll let you know what documents to bring along. Step 2 Your personalised plan Your Commonwealth Financial Planner will develop a personalised plan for you, explain the options and answer any questions. Then they ll work with you to refine your plan until you re completely happy with it. They ll also explain any fees that will be payable if you proceed with implementing the proposed plan. Step 3 Implementation Once you re happy with your plan, your Commonwealth Financial Planner will put your plan into action, keeping you informed at every step of the way. They ll stay in touch and suggest meeting once a year to review your plan and ensure it s working for you. If your needs change, they ll be able to help you tailor your plan accordingly. 5

8 HOW MUCH WILL IT COST? Your first consultation is absolutely free. Then, if you decide to proceed, your Commonwealth Financial Planner will explain all the costs involved, including a fee for developing your personalised financial plan and the costs of managing your investments over time. At every stage, your Commonwealth Financial Planner will clearly set out all the costs before you decide to continue. Kellie provides excellent service. She inspires confidence and assurance that my investment is secure. She respects my opinions and never pushes her ideas. 6

9 A LONG-TERM PARTNERSHIP. Commonwealth Financial Planning is part of Australia s largest, strongest and most experienced financial organisation so you can be confident you re in safe hands. What makes Commonwealth Financial Planning different? Strength and experience The team have been providing holistic and personalised advice for over two decades. To ensure the highest standard of advice, Commonwealth Financial Planners adhere to comprehensive education standards and industry membership requirements. Simplicity You ll be involved throughout the entire process, and you can be sure that your financial plan will be explained in easy to understand language. Transparency The planning process, your financial plan and any costs involved will be clearly explained so there ll be no surprises. Accessible when you need With access to over 600 financial planners and a network of over 1,000 branches across Australia, you ll always have access to the support you need in person, over the phone or by video conference. Choice of products Investment and insurance options will be recommended as appropriate for you, potentially including a range of high quality and affordable options offered by other leading financial institutions in Australia and globally. Personalisation Whether it s one-off or ongoing advice, insights will be incorporated into your personalised plan to help reach your goals, even if your situation changes. 7

10 TAKING THE NEXT STEP. Find out how the right advice can change your life. Book your free initial consultation with a Commonwealth Financial Planner today. Visit commbank.com.au/financialplanning Visit your local Commonwealth Bank branch and ask to speak to a Commonwealth Financial Planner Call us on (between Monday to Friday, 8.30am to 5.30pm AEST) With a plan in place, you can get on with life and look forward to reaching your goals. Warren has given excellent advice and tax savings with my finances. I would recommend Warren to all my friends. 8

11 Our financial planner has been very helpful and attentive to our requests and over the years we have learned to trust him. He has been very open and always up to date with his knowledge on the current market trends. Things to know before you Can: Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN , AFSL , a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN

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