- 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?
- 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?
- 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?