Financial Planning

Monetary Planning Case: Peter (30) and Fred (29) are married. They're at the moment renting at a price of $600 every week. Peter works as a venture supervisor incomes $105,000 each year plus Tremendous Assure (SG) contribution. Fred is a Health Teacher incomes $33,000 plus SG. They've come to you as they each wish to take a profession break and journey by means of Europe in 2025. You've had a complete assembly with them and have accomplished related sections of the very fact discover doc. The price range dialogue you had with them reveals they anticipate to have the ability to save roughly $12,000 each year. They've every accomplished a danger profile with you that included an in depth dialogue about their particular person danger profiles in addition to their joint funding danger profile. Each Peter and Fred have expressed their want to get their rapid monetary points sorted as a precedence. Peter has gathered three funds as a consequence of job adjustments over his profession and hasn’t exercised superannuation option to date. Peter doesn’t wish to be “offered a brand new fund”, he simply needs you to supply recommendation on which of his present funds is best suited for the others to be consolidated into. Peter additionally sees himself as a “Balanced Profile or 70% Development property” investor and likewise needs to align his superannuation funds to his danger/return preferences. Peter’s father – John, has been identified terminally ailing and needs to supply Peter the stability of his superannuation fund ($300,000) to assist him financially. Peter would really like your recommendation on potential points and techniques round this. Peter and Fred want to take a profession break and journey by means of Europe in 2025 at an estimated price of $60,000. Peter and Fred need assistance on methods to repay their money owed earlier than they go on their profession break vacation in 2025. Peter and Fred haven’t given a lot thought to private insurances previously as they felt they have been too match and wholesome for it to be a necessity. They might nonetheless be excited by your skilled opinion as as to if there are any gaps or alternatives you'll be able to determine for his or her scenario. Query: 1.Said purchasers present monetary and non-financial info 2.repared statements of the shopper’s web price, money circulation and price range Requirment: Correct formatting: Arial 12 font, single spacing, 2cm margins Phrases Restrict:A4 -Three pages exclude references References: 10 Web page 1 of 35 For academic use solely. Truth Discover Doc: Getting assist with the monetary selections that matter to you Congratulations, you’ve taken step one to reaching the stuff you dream about. The subsequent step is to assist us perceive you, your loved ones and what you wish to obtain a bit higher. This lets us present recommendation and providers which are best for you. Date: DD.MM.YYYY About me Listed here are our contact particulars. Don’t hesitate to contact us if in case you have any questions; we’re right here to assist. My contact particulars Title: Planner Apply title: “The Apply” Telephone: 1300 000 000 Fax: 1300 000 000 E-mail: Web site: Consultant of AMP Monetary Planning Pty Restricted ABN 89 051 208 327 AFS License No. 232706 About you This part captures details about your private particulars, similar to your present contact particulars and the way you want to be contacted by us. Your private particulars Particular person particulars Shopper 1 Shopper 2 Title Mr Mrs Ms Dr Miss Different: Mr Mrs Ms Dr Miss Different: Surname Bolands Bolands Given title Peter Fred Most popular title - - Date of start 12/11/1987 27/11/1988 Intercourse Male Feminine Male Feminine Relationship standing Married Married Web page 2 of 35 For academic use solely. We accumulate residency and citizenship info to assist us adjust to Anti-Cash Laundering and Counter-Terrorism Financing legal guidelines. Tax resident of Australia Sure No Sure No Nation of residence Australia Different: Australia Different: Nation of citizenship Australia Different: Australia Different: Contact particulars Shopper 1 Shopper 2 Dwelling tackle Work tackle 22 West Aspect Avenue Sydney, NSW 2000 22 West Aspect Avenue Sydney, NSW 2000 Postal tackle Similar as above Similar as above Contact particulars: Tick most popular technique(s): Dwelling: 1234 4321 Work: Cell: 0123 456 789 E-mail: pb@hotmail.com Fax: Dwelling: 1234 4321 Work: Cell: E-mail: fb@hotmail.com About your loved ones This part captures details about your loved ones, together with your kids and different relations which are depending on you. This helps me contemplate each you and your loved ones after I make my suggestions. Dependants/Kids You don't have any kids/dependants at the moment You select to not present these now Title Intercourse Date of start Tick if financially dependant If sure, till what age Dependants / Kids _ _ / _ _ / _ _ _ _ _ _ / _ _ / _ _ _ _ _ _ / _ _ / _ _ _ _ Notes (eg particular wants, household issues and so on.): No dependants mailto:pb@hotmail.com mailto:fb@hotmail.com Web page Three of 35 For academic use solely. What's in your thoughts? This part captures why you may have come to see us and any considerations or objectives you could have. This may enable us to find out your wants and goals within the recommendation we offer. “We each wish to take a profession break and journey by means of Europe in 2025. That is one thing we’ve been occupied with for some time, we’re very excited however frightened we gained’t manage to pay for to actually benefit from the journey”. “We actually wish to get Peter’s tremendous into only one place, it’s annoying as a result of we preserve seeing superannuation adverts however don’t know the place to start out”. “Peter’s dad - John, has lately been identified terminally ailing as a consequence of an aggressive most cancers and has acquired a prognosis that he'll go away inside the subsequent yr. Peter would really like your recommendation on receiving his superannuation funds in essentially the most tax efficient method. John has supplied his tremendous assertion (see appendix) so you'll be able to determine any potential points and counsel any potential methods that might assist Peter (your shopper) in receiving these funds. “We’ve received a couple of small money owed that really feel like they’re not decreasing in any respect and we’d prefer to be debt free earlier than our vacation”. “Insurance coverage for ourselves has by no means crossed our minds however we might have an interest to know if we ought to be involved”. Web page four of 35 For academic use solely. How would you prefer to get there? On this part we'll begin to categorise and element every of your objectives below particular scopes. This may assist us to find out priorities for every class and develop an applicable timeline as a subsequent step. Each Peter and Fred wish to repay their money owed earlier than they go on vacation in 2025. Quantity four precedence Peter’s dad has been identified as terminally ailing and Peter would really like recommendation on receiving his dad’s tremendous funds successfully. Quantity Three precedence Peter and Fred are desirous to take a profession break and vacation for six months by means of Europe in 2025. They’re involved about having sufficient cash for the journey Number one precedence Not particularly looking for recommendation on this space however open to you figuring out potential gaps Quantity 5 precedence Peter needs to have only one fund and doesn’t need recommendation on any new funds. He simply needs recommendation on which of his present Three funds to maintain. Fred acknowledged he doesn’t need recommendation in this space as a result of he solely has one fund and is proud of the way it’s managed. Quantity 2 precedence Peter and Fred do not need any dwelling or property objectives and don’t wish to be financially restricted by having a mortgage Not a precedence Web page 5 of 35 For academic use solely. Peter and Fred each really feel that journey will proceed to be vital over the foreseeable future and don’t wish to be “bogged down” by having a mortgage. Presently, they're renting a one bed room studio within the coronary heart of the metropolis. They perceive that financially this may very well be a major misplaced alternative however really feel that the monetary flexibility of not having a mortgage is extra vital. Not a precedence Fred and Peter are each excited to be planning an in depth break from their careers in 2025 to journey by means of Europe and estimate they’ll want about $60,000 to fund this six month journey comfortably. Number one precedence Peter and Fred have a couple of bank cards they want to cut back (particulars enclosed on this doc). Quantity four precedence Fred doesn’t need recommendation however Peter feels aggravated with himself as a result of he has a number of funds and doesn’t know the place to start out. Peter want to get his tremendous sorted into simply one fund, that’s straightforward to monitor, administer and is invested in his method. Fred needs to maintain his present fund as it's. Quantity 2 precedence Peter and Fred each recurrently compete in Crossfit and really feel like they're in “wonderful well being” as they train most days and eat effectively. They've had no vital accidents or well being points previously and really feel that insurance coverage might be irrelevant as they don’t have dependants and are in a position to assist themselves financially if wanted. They're open to listening to your ideas about any potential monetary gaps or points you'll be able to determine from their scenario. Quantity 5 precedence Peters’ dad – John has supplied you authority to contemplate his present tremendous fund and supply recommendation to Peter on receving these monies as he's terminally ailing. He has suggested Peter he has ample property outdoors of superannuation and needs Peter, his solely little one, to obtain his superannuation proceeds. Quantity Three precedence No different way of life adjustments are anticipated. Peter and Fred really feel they’re conservative spenders and that they’ll be spending concerning the identical degree in retirement that they’re spending now. They don’t wish to Web page 6 of 35 For academic use solely. What’s vital to you? On this part we'll begin to categorise and element your objectives captured within the What’s in your thoughts part below particular areas. This may assist us to find out priorities for every space and develop an applicable timeline as a subsequent step. Timeframe to start reaching purpose: Brief = graduation inside a yr, medium = 1- 5 years, lengthy = greater than 5 years. Timeframe (to start) Precedence Quantity Precedence 1 – Peter and Fred want to take a profession break and journey by means of Europe in 2025. They’ve estimated they want $60,000 to fund this journey Brief Medium Lengthy 1 $60,000 Precedence 2 – Peter needs to get his a number of tremendous funds into one place, which implies to him: (1) getting recommendation to assist select considered one of his present tremendous funds and rolling the others into it to make administering it simpler (2) having his stability invested in keeping with the way in which he needs to take a position. Brief Medium Lengthy 2 $30,000 (Unfold throughout Three funds) Precedence Three – “Peter’s dad (John) has lately been identified terminally ailing and is anticipating to go away inside the subsequent yr. Peter is anticipating to obtain his superannuation funds and John has supplied his tremendous assertion (see appendix) so you'll be able to counsel any potential methods that might assist Peter (your shopper) in receiving these funds. Brief Medium Lengthy Three $300,000 (Seek advice from John’s Tremendous Assertion) Precedence four – Peter and Fred need recommendation on learn how to repay their money owed earlier than they go on vacation in 2025. “We don’t need product recommendation as we are able to type that out ourselves with our banks however we do need your assist with choosing the proper technique”. Brief Medium Lengthy four $23,000 money owed (credit score playing cards) Precedence 5 – Peter and Fred really feel they’re wholesome and in all probability don’t want insurance coverage however have an interest to see should you can determine any potential gaps or points of their present scenario. Brief Medium Lengthy 5 To Be Suggested Web page 7 of 35 For academic use solely. Danger Profile Questionnaire Your danger profile seems to be at funding danger and your perspective to it. By asking you extra detailed questions we are able to decide essentially the most applicable funding methods to match your funding danger profile. As soon as all of the sections are full, we'll focus on your scores and whether or not or not you might be comfy with the result. The place you maintain property collectively, you and your associate must agree on a mixed rating. (Notice: 1* = Shopper 1 (Peter) and a couple of** = Shopper 2 (Fred)). 1. What's your main funding goal? Rating 1* 2** Joint Keep away from any fluctuation within the worth of my investments. zero Keep the safety of my investments with common earnings to reside on. 10 Keep common earnings with some publicity to capital progress. 20 Maximise the expansion of my investments. 40 2. How would you react in case your investments have been to say no in worth by 20% in a single yr? Rating 1 2 Joint Withdraw all my funds instantly and transfer them to financial institution deposits. 10 Withdraw a part of my cash and transfer it to an alternate technique. 20 Wait till I recovered the 20% loss after which contemplate different methods. 20 Stay invested and observe the really helpful technique. 30 Improve the quantity invested if potential as a result of the market has turn out to be cheaper. 40 Three. An funding portfolio with excessive publicity to progress property tends to generate greater returns, albeit with some volatility. To what extent are you prepared to expertise volatility to generate greater returns? Rating 1 2 Joint I’m very comfy. I perceive that to generate greater returns there's danger of fluctuation of my investments within the brief time period. Nonetheless, over the long run, there's a low danger of capital loss. 40 I’m considerably comfy, assuming there's a restrict to the volatility. 30 I’m a bit uncomfortable seeing my investments fluctuate. 20 I’m way more comfy with investments which have minimal volatility. 10 Web page eight of 35 For academic use solely. four. Which of the next greatest describes your perspective in direction of funding losses? Rating 1 2 Joint I might test the worth of my investments a number of instances a month and really feel very uneasy if I started to lose cash. 10 Each day losses make me uncomfortable, however will not be trigger for alarm. I would, nonetheless, begin to really feel very uneasy if I made a loss on my investments over a 12-month interval. 20 I take substantial day-to-day adjustments in my stride. Nonetheless I might begin to really feel very uneasy if I didn’t get well any vital losses inside a 1 to 2 yr time-frame. 30 If my funding suffered vital losses over a 2 yr interval and I nonetheless believed in my long-term technique, I might stay totally assured of a restoration in efficiency. 40 5. What's your most popular technique for managing funding danger? Rating 1 2 Joint To have a diversified funding portfolio throughout a spread of asset lessons to minimise danger 30 I do not wish to cut back it as funding danger results in greater returns over the long-term. 40 To speculate primarily in capital secure investments. 10 I do not perceive the definition of 'funding danger'. I depend on my monetary planner to realize this. zero 6. Up to now, how would you describe your general funding selections? Rating 1 2 Joint Not relevant. I am a primary time investor or have solely ever invested by way of my superannuation fund 20 Good, I've caught to secure and secure investments. 10 Good, I've been rewarded for making investments that may fluctuate in worth. 40 Honest, nonetheless I want to enhance my returns. 20 I’ve had some losses, however am prepared to provide it one other go. 30 I’ve had some losses and am reluctant to spend money on something that fluctuates in worth. zero 7. Which of the next greatest describes your understanding of the funding market? Rating 1 2 Joint Web page 9 of 35 For academic use solely. I'm an skilled investor and always preserve updated with the funding market. I’ve had publicity to numerous asset lessons and am totally conscious of the dangers concerned to realize excessive returns. 40 My consciousness of the monetary market is proscribed to info handed on by my dealer or monetary planner. I depend on the professionals to maintain me updated. 30 I've little consciousness of the funding market. Nonetheless, I've a want to construct my information and understanding. 20 I’m not accustomed to investments or monetary markets. 10 eight. What's your willingness to danger shorter time period losses for the prospect of upper long run returns? Rating 1 2 Joint Excessive 40 Average 30 Unsure 20 Low 10 9. Have you ever ever borrowed cash to make an funding different than your individual dwelling eg funding property, vacation dwelling, share portfolio, margin mortgage and so on.? Rating 1 2 Joint No zero Sure 30 No, however I’m prepared to contemplate it now 20 Sure, however I’m not ready to borrow in the intervening time to take a position 10 Whole rating 1 2 Joint Add up the scores for every query and document the totals. 230 200 230 In accordance with the knowledge beneath, what's your danger profile? Balanced Mod Cons Balanced When you don’t agree with above, what's your most popular danger profile? N/A - Peter and Fred agree Notes An in depth dialogue was held relating to their totally different attitudes to danger and return in relation to their objectives. Defined the danger/return commerce off, volatility and the totally different asset allocation choices have been mentioned. Each Peter and Fred agreed their danger profile assessments have been correct in how they might describe themselves and their most popular weighting of progress to defensive property. Danger Return Danger/Return Commerce-Off Development Web page 10 of 35 For academic use solely. What does all of it imply? Your perspective to funding danger is a vital consider figuring out an applicable funding technique to meet your wants. Investing is taken into account dangerous as a result of there's uncertainty about how the funding will carry out over the brief and long run. Various kinds of investments expertise totally different ranges of volatility. Damaging returns can occur at any time, so in periods of poor efficiency, remaining invested for the minimal funding time period will present a possibility to your portfolio to get well. Listed here are the principle approaches to investing, in any other case often known as funding danger profiles. Rating Danger profile Description N/A Brief Length (100% money) Safety of capital or certainty of earnings is your solely goal. You don't want to attain greater returns in case your capital is in danger. 50 – 110 Conservative (25% Development) You're a defensive investor. You might be prepared to contemplate much less dangerous property; primarily money solely and a few fastened curiosity investments. You are ready to simply accept decrease returns to guard the worth of your capital. The really helpful minimal funding time period is Three years. 111 – 160 Cautious (40% Development) You're a cautious investor looking for a mixture of earnings and progress, however danger should proceed to be low. Subsequently, you'll preserve a higher weighting to defensive property inside your portfolio, however will contemplate together with a number of the much less aggressive progress investments. Typically you might be prepared to chase improved short-term returns whereas accepting some, restricted short-term volatility. The really helpful minimal funding time period is Three years. 161 – 210 Reasonably Conservative (55% Development) You might be an investor looking for a mixture of earnings and progress from your funding portfolio. Typically, you might be prepared to chase medium to long-term objectives whereas accepting the danger of brief to medium-term detrimental returns. Your funding combine is more likely to embrace an equal combine of the defensive property and progress property similar to equities and property. The really helpful minimal funding time period is Three years. 211 – 260 Balanced (70% Development) You're a progress investor. You might be prepared to contemplate property with greater volatility within the short-term (similar to equities and property) to obtain capital progress over the medium to long run. Your funding combine will comprise a higher share of progress property. The really helpful minimal funding time period is 5 years. 261 – 310 Reasonably Aggressive (85% Development) You're a progress investor. You might be pepared to simply accept greater volatility within the brief to medium time period, your major concern is to build up progress property over the long run. Your funding combine will unfold throughout all asset sectors however will primarily encompass extra aggressive investments. The minimal funding time period is 6 years. 311 – 350 Aggressive (100% Development) Your major goal is capital progress. You might be an aggressive progress investor and are ready to compromise your portfolio stability to pursue higher long-term returns. You might be prepared to simply accept greater ranges of danger. Fluctuation in capital is appropriate within the short-medium time period for the higher potential for wealth accumulation. With the exception of a minimal degree of money for liquidity functions, your funding combine will solely encompass progress property similar to worldwide and home equities. The minimal funding time period is 7 years. Web page 11 of 35 For academic use solely. Are there adjustments you’d prefer to make? In some instances, it might be applicable to make use of a unique danger profile method to your property or methods. For instance, to fulfill your retirement goals, we could suggest particular danger profile be utilized to your superannuation funding as a consequence of your timeframe, which can be totally different to different financial savings you could have out there. You might also have some property for which you want to shield the capital you used to buy the asset. We will suggest merchandise that present capital safety if that's vital to you. It’s vital to notice that capital protected merchandise will typically entice greater administration charges. They will can help you shield your capital within the occasion of a market downturn; however you might expertise decrease returns when markets carry out effectively, as your general returns will likely be decreased by the upper administration charges as in comparison with non-protected merchandise. The desk beneath will assist seize your required danger profile in relation to particular property and whether or not you want to any degree of capital safety. Shopper 1 Shopper 2 Joint Brief time period objectives Quantity ($) and supply (financial institution, tremendous account and so on.) Peter (Balanced) and Fred (Reasonably conservative) agree with their danger profile outcomes in addition to their joint funding (Balanced). Defined the opposite prescribed danger profile choices in “What does all of it imply” part nonetheless Peter and Fred individually suggested the danger profile outcomes generated from the questionnaire greatest described themselves. Peter and Fred don’t have any particular preferences for his or her particular person objectives or financial savings and funding automobiles to get to these objectives. They want recommendation on this space. Funding danger profile for the above Capital safety possibility ($ portion) Lengthy time period objectives Quantity ($) and supply (financial institution, tremendous account and so on.) Funding technique Capital safety possibility ($ portion) Causes for danger profile variations Peter and Fred suggested they don’t wish to fluctuate their danger profiles. Web page 12 of 35 For academic use solely. About your employment We accumulate particulars of your present employment as it may possibly have an effect on the next: Eligibility for sure insurances Value of insurance coverage premiums Eligibility for tax concession on sure kinds of tremendous contributions Whether or not you'll be able to entry your superannuation or not. Shopper 1 Shopper 2 Occupation kind Worker Self-employed Semi-retired Retired Retired - ill-health Un-employed / Dwelling Duties Worker Self-employed Semi-retired Retired Retired - ill-health Un-employed / Dwelling Duties Employment kind Everlasting F/T Everlasting P/T Informal Contract (expires: ) Everlasting F/T Everlasting P/T Informal Contract (expires: ) Hours labored (per week) 40 40 Trade Development Sports activities Employer title Robert Builder Works Rabbit Toes Sports activities Occupation Challenge Supervisor Health Teacher Foremost duties Workplace Duties Particular person Web page 13 of 35 For academic use solely. About your earnings and bills We use this part to gather info in your earnings and bills. This helps me perceive your present cashflow scenario which is able to help me in offering applicable suggestions. Alternatively, you'll be able to present me along with your final tax return. We will additionally use the Detailed bills appendix or the Budgeting and Cashflow device that will help you work out your present bills. Annual family earnings Revenue description Shopper 1 Shopper 2 Base wage or wages $105,000 $33,000 Different earnings (ie funding earnings, Centrelink earnings and so on) $ zero $ zero Whole $ 105,000* $ 33,000* Notes (ie wage packaging particulars and so on): *Superannuation Assure is paid primarily based on this quantity and has not been included on this determine. Annual family bills Class Whole Estimated annual bills $Unknown Estimated surplus / deficit (in any case way of life, mortgage, premium and contribution bills) $1000 per 30 days* The place an earnings surplus is recognized, the place is that this at the moment directed? Checking account, then used up on further way of life expenditure and journey if out there (may very well be redirected) The place an earnings deficit is recognized, how is that this at the moment funded? Not relevant Notes: *Peter and Fred suggested their private price range evaluation revealed an annual surplus alternative of $12,000. This surplus is calculated after deducting all residing bills, hire at $600 pw, and common minimal debt repayments. Peter and Fred have been exhausting their surplus on their way of life (not included in residing expenditure) however are open to utilizing this cash for financial savings and funding alternatives. Web page 14 of 35 For academic use solely. Private Liabilities (together with bank cards) This part captures info in your private liabilities so we are able to contemplate the impression of them when offering recommendation to you. Mortgage title and kind Proprietor Remaining Stability Intere st price Fee quantity / frequency Tax deduction Retain 1 2 Joint 1 Credit score Card – GF Mastercard $10,000 23.5% Minimal cost (about $255 per 30 days) zero% Mounted Variable Principal & curiosity Curiosity solely 2 Credit score Card - Critic financial institution Visa $13 000 20.99% Minimal cost (about $332 per 30 days) zero% Mounted Variable Principal & curiosity Curiosity solely Notes: Peter and Fred have been paying off the minimal on their bank cards as they fall due however really feel like we “preserve paying however don’t appear to be making a distinction”. Web page 15 of 35 For academic use solely. Superannuation property This part is to gather particulars in your present tremendous funds so we are able to contemplate them as part of our recommendation to you. You may give me present statements slightly than finishing the tables beneath. Proprietor Product title Stability Kind of contribution(s) Quantity (pa) Account #1 2 Alpha Tremendous $Three 000 Employer $S.G. #xx $zero $zero Beta Tremendous $17 000 $zero #xx $zero $zero Omega Tremendous $10 000 $zero #xx $zero $zero *Notice – Fred has acknowledged he has $25,000 roughly in superannuation invested in roughly 55% progress (with no insurance coverage out there within the fund) and is completely satisfied for this info for use in any strategic projections or monetary modelling however doesn't wish to present any additional particulars as he's “fully completely satisfied together with his fund”. Description 1 Alpha 2 Beta Three Omega Extra fund particulars Market worth as at date 20/0X/2018 20/0X/2018 20/0X/2018 Retain Sure No Sure No Sure No Title of nominated beneficiaries None Offered None Offered None Offered Is nomination binding? Sure No Sure No Sure No Taxable element ($) Three 000 17 000 10 000 Tax-free element ($) zero zero zero Preserved quantity 100% 100% 100% Unrestricted, non-preserved quantity ($) zero zero zero Notes: - Fred doesn't want to reveal particulars of his tremendous fund or obtain tremendous fund recommendation however has disclosed the quantity (see Superannuation Belongings part above) for inclusion in retirement planning calculations. - Peter is not sure of which considered one of his funds to retain and would really like recommendation on this space. - A one web page assertion abstract for all three of Peter’s funds has been supplied in Appendix 1. Web page 16 of 35 For academic use solely. Superannuation planning concerns This part captures details about any considerations you may have along with your superannuation planning and any particular points you want to tackle. Wage sacrifice Shopper 1 Shopper 2 Does your employer can help you wage sacrifice? Sure No N/A Sure No N/A Particulars on previous contributions Please present particulars of contributions you may have made in the final 5 yr. NOTE: It will be important you present us with correct info right here. When you do not disclose the total particulars of contributions you may have made this monetary yr, we could give you inappropriate recommendation that will lead to vital tax penalties Quantity Kind Yr Quantity Kind Yr Neither shopper has contributed beforehand Misplaced tremendous search Do you may have misplaced tremendous funds? Sure No Uncertain Sure No Uncertain Would you like a misplaced tremendous search performed? Sure No Sure No Funding preferences Do you favor/want to keep away from any investments? If sure, please give particulars. Sure No Sure No Work check In case you are aged between 65 and 75 years have you ever labored a minimal of 40 hours over any 30 consecutive days within the present tax yr? Sure No N/A Sure No N/A *Each Peter and Fred haven’t personally made any contributions to superannuation previously. Web page 17 of 35 For academic use solely. Retirement planning concerns This part captures details about any considerations you may have in relation to your retirement planning and any particular points you want to us to deal with. Retirement wants Shopper 1 Shopper 2 At what age do you propose to retire? Each Peter and Fred really feel like their present way of life expenditure will proceed till their respective life expectations (83 yrs for each Peter and Fred primarily based on AMP’s life expectancy calculator) No different property out there aside from supplied How a lot earnings do you suppose you will want in retirement? Which property will you employ to fund your retirement aside from superannuation? How a lot cash do you wish to have out there in case of emergencies? $ Uncertain $ Uncertain Do you want to reside off earnings and protect capital? Sure No Sure No Do you may have any deliberate bills in retirement? If sure, how a lot and when? Sure No Sure No $ zero $ zero Will you downsize your private home? If sure, how a lot will you liberate? Sure No Sure No $ $ Do you want to reside off earnings & capital without having to protect capital for Property? Sure No Sure No Do you want to reside off earnings & some capital and want to protect some capital for Property, if potential? Sure No Sure No Centrelink Are you interested by qualifying for any Centrelink or DVA funds or advantages? Sure No Sure No What substantial items have you ever made within the final 5 years? $ zero $ zero If sure, please present particulars N/A N/A Web page 18 of 35 For academic use solely. Insurance coverage insurance policies This part is used to gather particulars about your present insuranc
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