Understanding Series

Our Understanding series is designed to help you get the most from financial advice.

Covering a range of fundamental concepts, these guides present opportunities and strategies to discuss with your adviser.

 

Debt Management Strategies

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to debt management.

 

Retirement Income Strategies

These documents provide provides some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to retirement income.

Understanding retirement income - version 5.2
 Understanding the $1.6 million transfer balance cap - version 1.1
Account Based Pensions
Transition to Retirement Pensions
Annuities
Transfer balance cap

 

Social Security Strategies

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to social security.

Understanding social security - version 5.1
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

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to insurance.

Understanding insurance - version 5.2
Income Protection Insurance
Term Life Insurance
Total and Permanent Disablement - TPD - Insurance
Trauma or Critical Illness Insurance

 

Superannuation Strategies

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to wealth accumulation (superannuation).

Acrobat PDF Understanding superannuation - version 5.2
Cash out and re-contribute to super
Co-contribution
Consolidate superannuation
First home super saver scheme
Non-concessional contributions
Personal deductible contributions
Salary sacrifice
Splitting superannuation contributions
Spouse contributions
Superannuation

 

Estate Planning

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to estate planning.

Understanding estate planning - version 5.2
Advance Care Directive
Family Trusts
Powers of Attorney
Special Disability Trust
Superannuation death benefits
Testamentary Trusts
Wills

 

Investment Concepts

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to investment concepts.

Understanding investment concepts - version 5.3
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

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to tax.

Understanding tax - version 5.1
Small business CGT concessions
Redundancy payments
Salary packaging
Tax considerations for non-residents
Taxation

 

Business Insurance Strategies

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to business insurance.

Understanding Business Insurance - version 5.2
Business Continuation Insurance
Business Expenses Insurance
Business Succession Agreement and Funding

 

Gearing

These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to gearing.