INVESTING

ECONOMIC FACTORS & REGULATIONS

CASHFLOW, SAVINGS & LOANS

SUPERANNUATION

RETIREMENT PLANNING

SELF MANAGED SUPER (SMSF)

PERSONAL INSURANCE & WEALTH PROTECTION

ESTATE PLANNING & LIFE EVENTS

SMART MONEY MANAGEMENT

LIFE COACH

 

INVESTING

  • What are the different asset classes to invest in and their characteristics?
  • What are the pros and cons of property investing and the costs involved?
  • Can someone please explain the share-market and risks involved to me?
  • What are the different ways to invest a lump sum and things to watch out for?
  • I have been to a seminar and going to do a course and be a full-time trader – what the…?
  • I want to know about technical analysis of markets here and internationally – can you help?
  • Can you please explain the risk and return trade-off when investing?
  • I want to sell a home/property so how do I maximise the price, efficiency and speed of the process and how do I choose the best real estate agent?

 

ECONOMIC FACTORS & REGULATIONS

  • What is the economic clock and business cycle?
  • How do economic factors affect me and different asset classes?
  • Am I maximising my Centrelink/age pension entitlements ?
  • How could the Budget/Election/Govt policy/ USA – Trump affect my situation?
  • Can you please explain what Franking Credits are and why they are important?

 

CASHFLOW, SAVINGS & LOANS

  • I never seem to have enough money – can you help with budgeting?
  • Is my mortgage / loan / borrowing set up right and interest rate competitive?
  • Are my investments and super tax effective?
  • I want to save for a home – what are some of the ways to do this and principles involved?
  • What is a reverse mortgage and the things to look out for?

 

SUPERANNUATION

  • Can you please help me make sense of my super statement?
  • What are my employer super obligations and how can I check to make sure all is ok?
  • Gee, the super regulations keep changing – can you help me keep up with them?
  • What are the taxation rules and implications for me with superannuation?
  • Industry funds vs. Retail funds – what are the facts and how do they work?

 

RETIREMENT PLANNING

  • Will I/we have enough to retire – what’s the average comfortable retirement income?
  • What are the rules and thresholds involved to access the age pension and concession card?
  • What is an account based/allocated pension and why are they tax effective?
  • I need to know more about income streams – what are annuities?
  • Can you please explain the strategies/rules to consider when approaching retirement?

 

SELF MANAGED SUPER (SMSF)

  • What are the pros and cons and costs involved for SMSFs?
  • Can you please tell me about the regulations and obligations on me as a trustee?
  • Estate planning, family matters and taxation issues are important to me – please explain?
  • SMSF vs Govt, Industry and Retail funds?
  • All my friends/relations seem to have an SMSF – I need to decide if its right for my family?

 

PERSONAL INSURANCE & WEALTH PROTECTION

  • How do I know if I and/or my family have enough cover?
  • What are the different types and characteristics of personal risk insurance?
  • She’ll be right – I am very healthy ! How important is income protection insurance?
  • Its ok – I am sure I am covered in my super – can you please help me check?
  • What are the pros and cons of cover inside and outside of super?
  • I have an existing insurance policy – how can I get money back in my pocket each year?

 

ESTATE PLANNING & LIFE EVENTS

  • I’ll be dead so won’t care – Why do I need a valid Will?
  • Why is an Enduring Power of Attorney very important?
  • What is an Advanced Care Directive?
  • Everything will be ok – I have plenty in super for the kids – think again?
  • We want to save for our kids’ education – what are some options?
  • What are some of the basic things to consider when a loved one needs to enter aged care?
  • I am going through a separation/divorce and need some financial guidance.

 

SMART MONEY MANAGEMENT

  • I have an existing Financial Adviser – is it good value or am I getting ripped off in fees?
  • Do I need professional help in any particular area?
  • Can a government agency or Centrelink assist me at no cost?
  • Overall am I and/or my family managing my money/investments well enough?
  • I may just need someone to help and guide me through life’s financial complexities – can Your Financial Mentor do this with a reliable service for a fair and transparent fee?