IFA Awards for Excellence – August 2014

LIFE Quarterly – December 2016

LIFE Quarterly – December 2016

In this issue we look at changes to the assets test issued in the 2015 Budget which is coming into effect 1 January, impacting the Aged Pension payments.

We discuss why it is so important to engage in your superannuation affairs coming in to 2017 as we prepare for the new legislation limiting how we contribute to super.

With Christmas around the corner  we witness an increase in cheer and a decrease in funds, click the link below to read more in this quarters LIFE Quarterly;

LIFE Quarterly – December 2016

Lonsec Market Commentary – March 2017

Lonsec Market Commentary – March 2017

The Australian market powered on through March, returning 3.32% during the month, with all sectors gaining.

In the US, markets moved slightly higher, with the S&P 500 TG Index gaining 0.90% in AUD terms, while the Dow Jones Industrial Index was down 0.30%.

On 4 April, the RBA left the cash rate on hold at 1.5% where it has been since the August 2016 cut.

The unemployment figures for February showed an increase in employed persons of 5,200 in trend terms, although in seasonally adjusted terms employment fell by 6,400.  The good news was the resumption of growth in full time employment, which rose 27,100 in seasonally adjusted terms, following January’s fall of 44,800.

To read more about the current market, please click on the link below;

Lonsec Market Commentary – March 2017

Lonsec Market Commentary – December 2016

Lonsec Market Commentary – December 2016

The Australian market ended on a high note, with the Santa rally in full swing.

The US market still appears unbreakable, with the S&P 500 TG Index adding 4.05% in December.  Valuations, while not at egregious highs, are making investors wary.

With a paucity of local data over the Christmas break and no RBA meeting in January, investors were allowed a short reprieve from the flow of economic releases, giving them time to get their heads around 2017.

To read more, click on the below Lonsec Market Commentary for December 2016;

Lonsec Market Commentary – December 2016

From: Fred and Robyn, Mindarie

13th September 2013

Dear Marijana,

Robyn and I felt it most appropriate that we write to you following my recent retirement and our need to apply for the Australian Pension.

We feel that our gratitude for all the hard work and expertise shown by you and your staff deserved recognition in the form of a written testimonial.

It was in October of 2007 when I was informed that my services to the company I had worked for for the last twenty seven years no longer required my services and I was offered a retrenchment. At fifty nine it was hoped that I would at least be able to remain with them until my retirement age and like all people who find themselves in this situation I experienced the horrid thought of being unemployed for the first time in my life and unable to find work. Fortunately I had a good reputation in my chosen industry and when the news got out I was approached by a number of companies and was employed immediately after retrenchment.

The scary thought that I would never have enough superannuation combined with my retrenchment payout to retire at age sixty five, but there was a young lady who worked for the company in the finance department that recommended this company called Life Financial Planners.

Well the rest is history. With the help and advice from Marijana and her excellent staff we have been able to build up a nice little nest egg that will see us through our days and afford us the ability to live a good life with holidays and the ability to spoil ourselves a little if we wish. Even with the affect of the GFC which was a major step backwards Life Financial planners steered us though the storm.

A recent health scare made me wake up to the fact that there are more important things in life that you need to enjoy so at sixty five I retired, but had the awful thought of applying for the Australian Pension for my wife and myself and the mountain of paperwork, laws and regulations to negotiate, but never fear, Marijana and her staff took the burden off of us and made the journey easy and all went like clockwork. They are our little hero’s.

With the casual and relaxed atmosphere you experience at Life Financial planners when having meetings with Marijana and her staff we feel they are almost part of the family.

We would not hesitate in recommending Life Financial Planners to anyone planning their finances and suggest that the sooner you do it the better.

Fred and Robyn, Mindarie