WHEN SHOULD PEOPLE ENGAGE A FINANCIAL PLANNER?

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1 WHEN SHOULD PEOPLE ENGAGE A FINANCIAL PLANNER? OVER 50 S Worried about retirement? Less than 10 years to retirement? Are you worried about.capital / income / how much you will need/ centrelink. Have you planned any aspect of retirement? Do you know what you need per year to live? What are your retirement dreams and goals? Now retired and worried about investments? Sold business pre-retirement? When have you reviewed and consider income vs risk and growth. The cost of living increases can be the biggest problem for retiree s. How do you transition from work to retirement? How to get money into a tax free environment - super. Super Poor health and planning supported care, aged care? Do you want to know if an SMSF may suit you? Very complex issue and can only be handled buy a financial planner with experience in the field.

2 AGED 35 TO 5O S Do you have home and investment loans? Do you have children? Will this strategy help with retirement? Do you have the best lending structure? Are you certain you have insurances and the right insurance? What will happen if you die or become disabled? What insurance do you have? When was the last time it was reviewed? Do you have a savings/investment fund for the kids? Super Do you want to create wealth via shares or property? Do you want to save more or do you want to invest more? Do you want to know if an SMSF may suit your needs? What super is best for you? What wealth creation strategies have you considered to reduce tax? - Borrowing to invest in property or shares? - Contributing more to super pretax? Do you manage money well? Do you spend more than you make? UNDER 35< Have you protected your ability to earn an income? Do you want to buy a home or have you got a home loan? Do you have children or plan to? Do you have income protection insurance? What can you afford? What is the best structure for you? Should you wait? What will happen if you die or become disabled? What insurance do you have? When was the last time it was reviewed? Do you have a savings/investment fund for the kids? Do you want to save more or invest more? Are you in a relationship or just recently gotten married? Do you manage money well? Do you spend more than you make? Start to plan and get finances sorted.

3 SELF EMPLOYED New into the business or planning to start one? Have you considered retirement? When are you getting out of business? Do you have super? Some very important considerations before you start. Is the business your only retirement plan? How do you plan to sell? When, how much and to who? What is the plan B if something goes wrong insurance? Have you reviewed super? Are you contributing enough for tax/cash flow needs and retirement? Do you want to know if an SMSF may suit you? Business partners? Do you have a business partner? What if the partnership sours or one of them is disabled? Who will buy them out? Are you happy to be in business with wife/partner of the current business partner? Sold business pre- retirement? How to transition from work to retirement. How to get money into tax free environment - super.

4 FINANCIAL HEALTH CHECK Q AND A DESCRIBE YOUR EXPERINCE WITH MONEY IN GENERAL? Example; In control / no control / varies / lending? INVESTMENT EXPERIENCE? What investments have you had or do you have? (e.g. super, shares, property (loans), none) WHAT TYPE OF INSURANCES DO YOU HAVE? (e.g. house, car, health, disability etc). WHAT WORRIES YOU ABOUT YOUR FINANCES NOW OR IN THE FUTURE? DO YOU HAVE A FINANCIAL GOAL TO ACHIEVE? If so, by when? WHAT SERVICES WOULD YOU LIKE ADVICE ON? e.g. Insurances / superannuation / investments / strategy and advice only / money managementbudgeting / lending / retirement. DO YOU HAVE YOUR WILL COMPLETED? HOW WILL YOU OR YOUR FAMILY COPE FINANCIALLY IF YOU SUFFERED A DISABILITY AND COULDN T WORK OR DIED?

5 WHO WE ARE? We are fee for service or fixed fee. We have broad approved product list - as long as it is Chant West rated (4 apples) super and investment, we can advise on it. Our process; 1 We help understand the financial gap or need. 2 We advise on the strategy first to meet the financial gap or need. 3 We then discuss product. 4 We then implement the product. 5 We can then manage the product. 6 We provide knowledge and education on all financial matters along the way We are always available. This is flexible and we work in with our clients We are Cairns locals and have been helping clients in Mareeba Atherton since We have 30 combined years in Financial Planning and 40 years in the Banking and Financial Services Industries. HOW WE SPECIALISE? SUPER - We can advise on Self-Managed Super / personal / business super. We cut the complexity and help you choose what will best suit you. INSURANCE We act as agents for 12 of Australia s best insurance companies. We will find you the right cover and best value on an insurance you can count on. RETIREMENT Our core specialty:- our Retirement GAP Analysis will take the complexity and worry away. Make it simple and exciting. WEALTH CREATION - Goes hand in hand with retirement. We manage risk help achieve clients objectives. LENDING Our Credit Rep. or lending license partnership with Acceptance Finance enable us to get the best deals from lenders all over Australia. AGED CARE this is a specialized, complex and emotional area and we have been assisting locals for 3 years, ensuring they are knowledgeable and achieve the best outcome.