McKillop FP Blog

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Understanding Series

ESTATE PLANNING

Advance Care Directives

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

INSURANCE STRATEGIES

Income Protection Insurance

Term Life Insurance

Total and Permanent Disablement (TPD) Insurance

Trauma or Critical Illness Insurance

RETIREMENT INCOME STRATEGIES

Account-Based Pensions

Annuities

Transfer Balance Cap

Transition to Retirement Pension

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

SUPERANNUATION STRATEGIES

Cash Out and Re-Contribute to Super

Co-Contribution

Consolidate Superannuation

Downsize Superannuation Contribution

First Home Super Saver Scheme

Non-Concessional Contributions

Personal Deductible Contributions

Salary Sacrifice

Splitting Superannuation Contributions

Spouse Contributions

Superannuation

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 – Department of Human Services

Strategies to Increase Department of Human Services or DVA Entitlements

Waiting Periods

BUSINESS INSURANCE STRATEGIES

Business Continuation Insurance

Business Expenses Insurance

Business Succession Agreement and Funding

TAX

Small Business CGT Concessions

Redundancy Payments

Salary Packaging

Tax Considerations for Non-Residents

Taxation

DEBT MANAGEMENT STRATEGIES

Costs and Risks of Reverse Mortgages

Debt Management

Debt Recycling

Redraw Facility

GEARING

Costs and Risks of Gearing

Costs and Risks of Gearing into Superannuation

Costs and Risks of Margin Lending

Why use a
financial planner?

  • making a lifestyle change
  • reducing your debts and taxes
  • Improving your household budget
  • preparing for a comfortable retirement
  • saving or investing for something special
  • protecting your wealth and those that are important to you
  • buying or renovating a home, paying it off sooner or investing in property
  • making the most of your retirement income and any government payments.

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