Advice Documents

Understanding Series

 

Debt Management Strategies

 

Debt management

 

Redraw facility

 

Debt recycling

 

Costs and risks of reverse mortgages

 

Retirement Income Strategies

 

Account Based Pensions

 

Transition to Retirement Pensions

 

Annuities

 

Transfer balance cap

 

Social Security Strategies

 

Age Pension

 

Aged Care

 

Disability Support Pension (DSP)

 

DVA Service Pension

 

Gifting

 

Insurance bond in a private trust

 

Newstart Allowance

 

Pension Income and Assets Tests – Deparatment of Human Services

 

Strategies to increase Department of Human Services or DVA entitlements

 

Waiting periods

 

Insurance Strategies

 

Income Protection Insurance

 

Term Life Insurance

 

Total and Permanent Disablement – TPD – Insurance

 

Trauma or Critical Illness Insurance

 

Superannuation Strategies

 

Cash out and re-contribute to super

 

Co-contribution

 

Consolidate superannuation

 

Downsizer Super Contribution

 

First home super saver scheme

 

Non-concessional contributions

 

Personal deductible contributions

 

Salary sacrifice

 

Splitting superannuation contributions

 

Spouse contributions

 

Superannuation

 

Estate Planning

 

Advance Care Directive

 

Family Trusts

 

Powers of Attorney

 

Special Disability Trust

 

Superannuation death benefits

 

Testamentary Trusts

 

Wills

 

Investment Concepts

 

Asset Allocation

 

Child savings plans

 

Costs and risks of derivatives

 

Costs and risks of direct property

 

Dollar cost averaging

 

Insurance Investment Bonds

 

Investment risks

 

Managed funds

 

Separately Managed Account (SMA)

 

Set and maintain a budget

 

Tax

 

Small business CGT concessions

 

Redundancy payments

 

Salary packaging

 

Tax considerations for non-residents

 

Taxation

 

Business Insurance Strategies

 

Business Continuation Insurance

 

Business Expenses Insurance

 

Business Succession Agreement and Funding

 

Gearing

 

Costs and risks of gearing

 

Costs and risks of gearing into superannuation

 

Costs and risks of margin lending

 

Self Managed Super

 

Commencing an SMSF pension

 

Costs and risks of borrowing by self managed superannuation funds (SMSF)

 

Key SMSF investment rules

 

Limited Recourse Loan

 

Self managed superannuation funds

 

The SMSF Investment Strategy