Financial Newsletter Sunshine Coast
Welcome to Unique Financial Partnerships, keeping you up to date with all financial planning, self managed superannuation funds, tax minimisation, life insurance, on the Sunshine Coast and around Australia.
The information in this newsletter is current at the time of printing. Contact us for updates.
WHAT DOES A GOOD FINANCIAL ADVISER DO?
Some people may think that a financial adviser’s role is to forecast the direction of the share market from month to month and invest clients’ money accordingly.
This is not the reality, of course. Investments are only one small part of what your adviser can provide for you. Some of the key areas that your adviser may be able to assist you with are described below.
KNOWLEDGE IS POWER
Consider for a moment the amount of newsprint, websites and broadcast time dedicated to financial topics these days.
Whether it's the latest share market activity, economic news or the constantly changing tax and superannuation rules, your adviser is a great resource who can answer your burning questions.
MONEY AND TIME
Sometimes the benefit you receive from a financial adviser can be spelt out in dollar terms. It might be the income tax you have saved by re-structuring your salary, or a new concession from the Australian Tax Office (ATO) or Centrelink that you didn't know you could get.
If you agree that time is money, then think about the time your adviser saves you when you make important decisions. If you had to do it all yourself, how would you choose the best super fund, investment options, or insurance company? How frustrated would you be stuck on the phone trying to get regular information from the ATO or Centrelink?
With all this confronting you, it's no wonder than many of our important financial decisions stay in the "too-hard basket".
PERSONALISED ADVICE, EVERY STEP OF THE WAY
The finance section of your newspaper probably includes a regular "advice" or "Q & A" column. By law, these columns must
In setting your financial strategy, your financial adviser doesn't use this "general advice warning", because they have taken the time to get to know you and your circumstances. This means that everything recommended to you—the investment portfolio, super contribution strategies, savings plans and insurance advice—is tailored to your personal needs, goals, and tolerance to risk.
As the years go by, some of your financial strategies will need adjusting due to changes in the broader environment or something closer to home. Whatever the case, your financial adviser is there to help you make the most of the good times and the bad.
And meeting your adviser for a review doesn't always mean major changes, but at least you'll know that you're on the right
Additional SMSF trustee requirements December 2012
Futuro focus: wills super loans economy September 2012
Obligations and responsibilities for self-managed super fund trustees September 2012
Achieving retirement readiness Winter 2012
A guide to shaking off the doom and gloom Summer 2011
Superannuation death benefit Spring 2011
Riding the financial rollercoaster Spring 2011
Share market bounce backs volatility August 2011
Financial plan baby bonus or paid parental leave Winter 2011
Financial interest rates in 2011 March 2011
Financial investing in 2011 December 2010
Estate Challenges: Financial Summer 2010
Financial Planning Warren Buffett Spring 2010
Intergenerational wealth planning September 2010
Three stages of retirement August 2010
Reconsider your financial goals? July 2010
What does a financial adviser do? June 2010
Federal Budget 2010 - 2011 May 2010
Henry Tax Review May 2010
End of year tax tips April 2010
Wasting your money on insurance? Summer 10
Financial Planning Summer 09
Financial Planning Spring 09
Investment Returns In Perspective September 09
Retirement planning August 09
Financial New Year's Resolutions August 09
Financial Planning - Budget, Tax Tips, Stock Market Winter 09
Age Pension and Superannuation Federal Budget June 09
Economic and market highlights June 09
End of Financial Year Tax Tips 09 May 09
Investor Newsletter Autumn 09
Investor Newsletter March 09
Superannuation Newsletter Summer 08
Retirement Newsletter Spring 08
Tax Minimisation Newsletter Winter 08
Superannuation Newsletter Autumn 08
Superannuation Newsletter Summer 07
Financial Newsletter September 07
Disclaimer: This document was prepared by Futuro Financial Services Pty Ltd ABN 30 085 015 (AFSL number 238478) without taking into
account any person’s particular objectives, financial situation or needs. It is not guaranteed as accurate or complete and should not be relied
upon as such. Futuro Financial Services Pty Ltd does not accept any responsibility for the opinions, comments and analysis contained in this
document, all of which are intended to be of a general nature. Accordingly, reliance should not be placed by anyone on this document as the
basis for making any investment, financial or other decision. Investors should, before acting on this information, consider the appropriateness of
this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific
to their situation before many any financial investment or insurance decision.
All representations and information contained in Futuro in Focus are made in good faith and are believed to be correct at the time of preparation. Articles are of a general nature and they do not purport to be specific investment advice. Individual needs or other considerations have not been taken into account, thus information contained herein should not be relied upon as a substitute for detailed advice. Futuro Financial Services will receive fees or brokerage from the provision of advice or placement of investments. You may, by contacting our Privacy Officer on 07 3018 0400 or by writing to Futuro Financial Services Privacy Officer GPO Box 942 Brisbane QLD 4001, request not to receive further editions of Futuro in Focus.