Learning Center

Get the knowledge that can build wealth and security with answers to your financial planning questions.

Why have insurance?

Why have insurance?

Thursday 12 September 19

Why bother?  When it comes to insurance, that is a reasonable question, given that it’s going to cost you money.  So, what should you do about insurance?If you are a gambler, you might take one of two approaches: Not get any insurance with the hope and

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Superannuation Savings for First Home Buyers

Superannuation Savings for First Home Buyers

Wednesday 01 May 19

First home buyers will be allowed to salary sacrifice up to $15,000 per year until they reach a total of $30,000 of contributions.  That money along with a ‘deemed’ investment return can then be drawn from super and used for the purchase of their first

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Sources of Retirement Income

Sources of Retirement Income

Friday 01 March 19

Retirement income can come through a number of different sources: Centrelink benefits, defined benefits, investments outside of superannuation or from superannuation income streams. Part time paid work is also a possibility. Let’s have a glimpse at several of them. Aged pension Life in Australia has

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The Fundamentals of Investment Property

The Fundamentals of Investment Property

Friday 01 February 19

Property investments can be loved, endured or fled from. Investors have had all kinds of experiences with them. Perhaps you have had that experience yourself. Given that investment properties can be either wonderful or a disaster, how can a person be reasonably confident of being

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The Home Stretch towards Retirement

The Home Stretch towards Retirement

Tuesday 01 January 19

Some of us are getting a bit more serious about our superannuation. In the early days it was something for a time that was so far away, why worry? Now we wish we had taken it a bit more seriously. But it may not be

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Why use a Family Trust

Why use a Family Trust

Saturday 01 December 18

The smart money is still in family trusts, even though the tax man has been chipping away at them. The ability to arbitrage tax between family members, protect assets from creditors, and help with succession planning makes them as useful as ever in wealth creation.

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Grace Financial Services Pty Ltd and James Massey are Authorised Representatives of HNW Planning Pty Ltd, AFSL 225216. Authorised Representative nos. GFS: 452765, James: 398841. Content of site may not be fully up to date as legislation and financial products are constantly changing. Any advice provided on this website is of a general nature not taking into account your personal objectives and situation. Such matters are important to consider prior to taking any action. Please make an appointment to discuss your specific situation so that appropriate advice may be given with regard to suitable products using current information.