Keep assets for your. in a complex world.

Keep assets for your

in a complex world.

to k

eep y

ou

r as

set

s

in t

he r

igh

t h

and

s

9

way

s

Every year the scenarios in your life,

(or those of your loved ones) change

be it business or personal, for better or for worse.

Continue to keep your assets in the right

hands and the future of your family safe

Without adequate protection, your assets can become vulnerable,

placing your finances and your family’s future at risk.

?

Have my values

and priorities

changed?

Have I had

children or

grandchildren?

Have I ever had the time to reflect on

how my

circumstances

have changed?

Have I started

a new job or

venture, or

made new

investments?

You need to ask yourself regularly...

How different was my life even five years ago?

How different will it be in another year’s time? If any of the following questions raise

concerns or uncertainty, it’s time to review your estate plan.

There are many questions and just one answer: Merthyr Law. We understand that everyone is busy, but keeping assets for your family safe is not something that can be put on the back shelf or left to chance.

Merthyr Law review your unique circumstances and offer leading advice on how to structure your affairs to help keep your assets safe for your family. The Family Safe® _{Program is designed to ensure that you continue to keep your family safe as}

time moves on and keep your estate planning abreast of your circumstances and changes to the laws.

Has my

superannuation

increased?

How many times have the

superannuation laws

and tax laws changed

since I last looked at my estate planning?

Are my parents

getting older?

Does their estate planning

fit in with my needs?

Has my business

increased

in value?

In complexity?

Am I now at more

risk of getting sued?

Do I still

understand

the estate planning I implemented a few years ago?

Is it still relevant?

Do I know if my

plan still works

as intended?

Have I kept my

plan up to date

with changes in my circumstances,

let alone

Creating an estate plan

is not like fixing a car.

You won’t get a chance to

fix it once it breaks down

and the consequences of a faulty Will or other

estate planning documents can be disastrous.

The

Merthyr Law

Family Safe

®

difference

Contents

1

Protect your legacy for your family

page

8

2

_{Protect your children from bad decisions and the Family Court}

page

10

3

Protect your assets from your spouse’s or children’s bankruptcy

page

12

4

Protect your assets from financial misadventure

page

14

5

Give your infant children or grandchildren a tax free education

page

16

6

Plan for your incapacity through Living Wills

page

18

7

Ensure your superannuation is dealt with how you want

page

20

8

Structure your affairs to help avoid a Family Provision Claim

page

22

9

Enter into a second marriage or relationship with confidence

page

24

It is always better to see a professional to get a complete and comprehensive estate plan in place. Not all lawyers have the experience or expertise to keep your legacy safe for your family.

You will see from this booklet that there is an enormous difference between a “Standard” Will and a Will which may contain a Family Safe® _{Trust. Plus the vast difference between making a Will and putting in place a complete}

and comprehensive estate plan becomes obvious.

If you want to make sure that the benefit of all your hard work passes to your surviving spouse and ultimately to your children and grandchildren then you need an expert in charge of your Will.

You need Merthyr Law’s Family Safe

_{Program – to keep assets for your family safe}

in a complex world.

Some products include:

Family Safe® _{Will Family Safe}® _Trust

Family Safe® _{Living Will Family Safe}® _{Binding Financial Agreement}

Family Safe® _{Gift and Loan Back Family Safe}® _{Children’s Loans}

9

Merthyr Law Family Safe®

Protect your legacy

for your family

Under a typical Will one spouse leaves everything to the surviving spouse. No matter how much you leave your spouse in a “Standard” Will, there is a genuine possibility that someone could eventually take it away. Whether you pass away in your 30s, your 50s or your 70s, quite often your surviving spouse will form a new relationship in the following years.

One would hope that a new partner would bring new happiness to your spouse, but the wrong person could have the potential to claim over 50% of what you left for your loved ones, even if they do not marry. A disturbing pattern tells us that this happens too regularly.

If it was possible, wouldn’t you like to protect your surviving spouse from themselves and their new partners? The establishment of a Family Safe®

Trust under your Will ring-fences your inheritance to preserve it for your spouse, your children and grandchildren. The Family Court’s powers have expanded considerably over time. There is no such thing as a “bullet proof” Will. Merthyr Law can, however, help keep your family safe by keeping you and your family abreast of the latest powers of the Family Court and implementing suitable safeguards into your Family Safe® _{Trust documentation.}

By leaving your legacy via a Family Safe® _{Trust, it is preserved for}

your spouse, children and grandchildren. It specifically excludes your spouse’s new partner’s children or any further children from taking any benefit from your estate. This way your legacy will not end up with people you don’t even know.

Your spouse’s

new partner

could have the

potential to

claim over 50%

of what you left for

your loved ones, even

if they do not marry.

1

Real

Life

Story

Shane and Deb were 38 years old with four children under

five and big expenses when Deb sadly passed away at the

hands of cancer. Fortunately she had a $1,500,000.00 life

insurance policy which provided financial stability to her

surviving loved ones.

Deb loved Shane very much and knew that the best thing

for him and her children was for him to meet another

woman who would help to raise the kids. However, she

wanted to make sure that if that person left, they wouldn’t

take any of the $1,500,000.00 with them. She also wanted

to make sure that the benefits of her life insurance policy

wouldn’t end up with Shane’s prospective stepchildren

or children from a subsequent relationship. It was this

foresight that led Deb to set up a Fa mily Safe

Trust Will.

For added Fa mily Court protection, an independent Trustee

was appointed whose consent was required before capital

distributions were made from the Fa mily Safe

Trust.

The benefits from Deb’s insurance gave Shane options. He

could quit his job and be a full time dad for his kids or

continue with his job earning a high income and employ a

stay at home nanny. Each year, over $80,000.00 income

from the trust could be distributed to the kids tax free.

Because the benefits from Deb’s insurance and assets

were left to a Fa mily Safe

Trust set up specifically for the

benefit of Shane and Shane & Deb’s descendants, Shane

could enter into new relationships with more confidence. At

the sa me time he was able to protect the wealth that he

and Deb had accu mulated together, for their children.

Deb knew before she passed away that she was still

providing for her fa mily for many years to come and

nobody could take that away from her fa mily.

11

Merthyr Law Family Safe®

It no longer

matters to the

Family Court

if couples are

married

- orders

can be sought with

respect to a breakdown

in any genuine domestic

relationship.

It no longer matters to the Family Court if couples are married – property settlements can be sought with respect to a breakdown in any genuine domestic relationship that bares a child or survives two (2) years. This can include property left to the parties by way of inheritance.

Historically, parents left property to children via Family Safe® _Trusts

to safe guard against their child’s divorce. The legacies you left for the benefit of your children were not a vulnerable asset over which the Family Court could make orders. However, recent cases continue to weaken this protection. To ensure that the assets of a Family Safe® _{Trust are not considered by the Family Court to be an}

asset over which they can make orders, either the Trusts must be set up such that your children don’t have control over “their trust” or your children must enter into Binding Financial Agreements with their spouses or partners.

Parents are particularly concerned that their children, if they were to receive an inheritance in their twenties for example, might lose it through financial misadventure, divorce or separation.

Protect your

children from bad

decisions and the

Family Court

2

John and Gloria loved their two early 20s Generation Y

children, Jade and Jarred, but didn’t trust they were

responsible enough to manage a big inheritance if John

and Gloria both passed away.

After careful planning, John and Gloria decided that

they would leave their legacies via two Fa mily Safe

Trusts

(one for each child). They appointed Bill, a trusted fa mily

friend, as independent trustee. The terms of appointment

included a wish that each child becomes sole trustee

(and therefore given complete control) of their own trust

when they turn 35, but only if the trusted fa mily friend

was confident that the child was settled and stable in

their domestic arrangements and otherwise financially

responsible.

Unfortunately, Gloria died of cancer and John died in an

accident not long after that. Bill beca me responsible for

administering the Trusts until Jade and Jarred were old

enough and responsible enough to take over.

By the time Jade was thirty-five, she had been in an off

again/on again rocky relationship for over seven years with

her boyfriend Ja mes. Bill decided he was not going to

resign and let Jade become sole trustee of her trust, unless

she first entered into a Binding Financial Agreement with

Ja mes ensuring the assets of the Trust remained hers in

separation. Jade was secretly pleased that Bill was able

to insist that she protect her interests in that manner as

it meant that in the event that they broke up, Jade didn’t

have to share her inheritance with her ex-partner.

13

Merthyr Law Family Safe®

Ensure the

inheritance you

leave your child

(or at risk spouse)

goes to them

and cannot be touched

by their creditors.

3

While it seems quite simple that you leave a gift to your child, a “Standard” Will would not protect that gift from being immediately taken away if your child is insolvent or enters into bankruptcy. That inheritance becomes the property of your child and is lost to their creditors, meaning that your child will miss out on any benefit. The same applies to your spouse.

For example, if you leave $300,000.00 to your son under a “Standard” Will and he is Bankrupt at the time (Bankruptcies extend for 3 years typically) then that money goes straight to his Trustee in Bankruptcy and is available for dispersal amongst his creditors. He is not entitled to retain that money even though it came from his parents on death.

We see many business owners who have carefully engineered their own affairs to minimise wealth in their own name, only to find that their careful asset protection planning comes unstuck when their spouse or their parents pass away.

To ensure the legacy you leave your child or at risk spouse goes to them and cannot be touched by creditors, you should consider a Family Safe® _{Trust in your Will. You might also wish to talk to your}

parents about updating their Wills.

Protect your assets

from your spouse’s

or children’s

bankruptcy

Tony was a successful builder in Western Australia

where he constructed many schools for the government.

For lifestyle reasons, Tony and his fa mily moved to the

Gold Coast. Despite being unfa miliar with the market

on the Gold Coast, Tony made a nu mber of real estate

investments. Due to a change in fortune and events, he

ultimately beca me bankrupt.

Tony’s elderly mother unfortunately passed away during

this time. She was particularly stressed by her son’s

financial hardship but left a substantial home and other

cash assets to Tony and his sister in equal shares.

Unfortunately, as she had left her legacy directly to Tony,

the money he inherited went straight to his bankrupt estate

and was disbursed to his creditors. Tony never got to see

any of his mother’s inheritance. Further, Tony’s children

didn’t benefit from the inheritance either. If Tony’s mother

had constituted a Fa mily Safe

Trust under her Will, her

legacy would have been preserved for the benefit of Tony

and her grandchildren.

Real

Life

Story

15

Merthyr Law Family Safe®

Building wealth

is as much about

protecting

what

you’ve amassed as it is

creating it.

4

Building wealth is as much about protecting what you’ve amassed as it is creating it. If business owners and professionals weren’t able to limit their liability, they would be less likely to continue in that business or profession.

Trusts offer good asset protection from claims by unsecured creditors. However, transferring your home to a Trust is prohibitively expensive in stamp duty and the loss of the capital gains tax main residence exemption.

As part of the Family Safe® _{Program, Merthyr Law offers the}

Family Safe® _{Gift and Loan Back strategy. This is a process where,}

without transferring the title to your home and other investments in your name, you are able to ensure your equity in your assets is protected against creditors.

Protect your assets

from financial

misadventure

Ross was a director of an accounting firm specialising

in company audits. He had half of his principal place of

residence in his na me, and also three investment properties.

Ross and his business were always professional giving the

best advice and service. The business provided audits for

large companies and there was a chance that he may be

sued personally.

Ross wanted to separate his work risks from his home and

personal assets, but paying tens and thousands of dollars

in sta mp duty didn’t seem worth it.

Ross implemented Merthyr Law’s Fa mily Safe

Gift and

Loan Back strategy. An a mount equal to the equity in

his home and personal investments was gifted to a Fa mily

Safe

Trust, which in turn beca me a secured creditor over

those assets.

When Ross and his accounting firm were sued four years

later, Ross was easily able to convince the claimant that

suing him personally was not worthwhile, as his net personal

asset position was nil. Merthyr Law’s Fa mily Safe

_{Gift and}

Loan Back strategy protected Ross’ personal assets from

attack for the benefit of his fa mily.

17

Merthyr Law Family Safe®

After you have passed

away and

left a

legacy to your

children, the tax

man may well be

waiting

for a bit more.

As the saying goes... two things are certain in life; death and taxes. You may have paid taxes all your life, but after you have passed away and left a legacy to your children, the tax man may well be waiting for a bit more, unless you consider a Family Safe® _Trust.

Under a “Standard” Will you leave your Estate directly to your children. If the Estate comprises a rental property or share portfolio, then that income is paid to your child. If your child is already on a relatively high marginal tax rate, then they will pay tax on that additional income at their own high marginal rate.

However, if you constituted a Family Safe® _{Trust under your}

Will then your surviving spouse or your children would have the discretion to distribute that income to your infant children or grandchildren rather than to themselves.

If your children or grandchildren have no other income, $18,000.00 per infant child is tax free.

Therefore, if you have 4 infant children or grandchildren up to $72,000.00 in income could be tax free and used to pay for the education, text books, uniforms, shelter and general provision of your grandchildren (or your children if they are under 18). That’s a benefit for each and every year until your infant children or grandchildren are earning their own income.

This can be a real financial bonus for your children. Income from your Family Safe® _{Trust can effectively pay school fees and other}

expenses with tax free dollars instead of after tax dollars.

Give your infant

children or

grandchildren a tax

free education

5

Peter and Pauline had 2 kids and both worked full-time.

Peter’s father had died in an industrial accident and had

established a Fa mily Safe

Trust under his Will. His life

insurance proceeds had been paid into this Trust. Since the

income generated from the trust was in excess of Peter’s

mu m’s needs, each year she made a distribution from the

Trust to each of Peter and Pauline’s children of $12,000.00.

Peter and Pauline held this money on their children’s

behalf and used it to pay for school fees, computers and

textbooks from year to year. Peter and Pauline did not

have to include this a mount in their tax returns.

Their neighbours were in a similar situation, but did not

have the benefit of a Fa mily Safe

Trust. Instead they had

to save and make sacrifices so they could pay the school

fees with their after tax income.

Over the years the savings really added up. Peter and

Pauline were able to use their after tax dollars on

things like fa mily holidays and a swimming pool rather

than paying for education with after tax dollars. If

you believe you should be able to educate your children

tax free, consider discussing with your own parents the

establishment of a Fa mily Safe

Trust in their Wills.

Real

Life

Story

19

Merthyr Law Family Safe®

If you became

incapacitated

would you want to put

your family through the

burden of applying to

the Court to be granted

the legal right to make

decisions on your

behalf?

Plan for your

incapacity through

Living Wills

Have you considered what will happen while you’re still alive if you are incapacitated through injury, dementia or Alzheimers? Your family will need to make decisions on your behalf to take care of you. Your family may have to apply to Court and go through a lengthy and often expensive legal process to be granted the legal right to help you.

In addition, if you are a trustee of a Self Managed Superannuation Fund (SMSF) and you are incapacitated and do not have a person willing to step into your shoes under a validly appointed Enduring Power of Attorney, your superannuation fund could become non-complying. This means that almost half of your retirement savings risk being lost to tax.

As part of the Family Safe® _{Program, Merthyr Law recommend}

you enter into an Enduring Power of Attorney during your lifetime which deals with not only your financial matters but also health matters.

These “Living Wills” enable you to nominate a family member or friend you trust to make decisions on your behalf regarding your SMSF, financial matters and your medical treatment. If you became incapacitated would you want to put your family through the burden of applying to Court or would you prefer to have this document in place?

Typically, Mum and Dad will give a Power of Attorney to each other and then upon the incapacity of both of them, they would give Power of Attorney to their children. These documents may operate from the time they are executed until the time of death and can be changed or updated as circumstances require.

Mildred and George were fiercely independent and had

lived in the sa me house all their married lives. As they

aged they accepted community support services such

as meals and cleaning. But no-one was going to make

decisions for them!

Mildred was confined to a wheelchair with Parkinsons

Disease, but with George’s support, they coped well.

However, one day George suffered a stroke while gardening

and was left both physically and mentally incapacitated.

Mildred was devastated. When she contacted their three

children to tell them, they each had a different view on

care for George and all of the old fa mily conflicts ca me

up. John said that Dad should go into a home, Lesley

thought that community care services was the solution

and Tom was more interested in his share of the estate.

As all assets and bank accounts were in George’s na me,

Mildred was left powerless and without access to cash.

One of the children, Lesley, applied to the Tribunal to seek

to be appointed Guardian for George and Mildred. All the

fa mily were required to attend and give statements and

submissions.

The Tribunal ruled that the fa mily was in turmoil and

appointed a government trustee to make all decisions.

George and Mildred’s SMSF failed to meet the definition

of a Self Managed Superannuation Fund, putting their

retirement savings at risk. If only George had made an

Enduring Power of Attorney, he and Mildred could have

lived life their own way.

21

Merthyr Law Family Safe®

Without careful planning,

superannuation

benefits may

not end up with

loved ones as

planned.

Ten years ago, your most valuable single asset may have been your family home. Now, the lion’s share of your wealth is likely to be held within your Self Managed Superannuation Fund (SMSF). Without careful planning, superannuation benefits may not ultimately end up with loved ones as planned. The law with respect to superannuation seems to change so regularly that most clients aren’t sure what will happen with their superannuation after they die. Out-of-date SMSF deeds may not be compliant with new laws and may not allow tax effective strategies to be implemented. This may cause difficulties on death or incapacity.

Your five year old Will might adequately deal with your family home and investments outside of superannuation, but cannot adequately consider or deal with your superannuation savings.

The executor of your Will does not automatically become trustee of your SMSF upon your death. Member benefits in superannuation funds do not automatically form part of a deceased’s estate. Instead they are paid in accordance with the trustees’ discretion. It is not uncommon for superannuation benefits to be wasted by the surviving spouse, lost under Family Court orders to a non family member or under a Family Provision claim.

Careful planning is needed to make sure the people you want to take control of your superannuation investments after death are able to do so.

Without careful planning, tax of up to 30.5% can be payable on death benefits. Assets inside a SMSF may need to be sold or transferred in order to pay out benefits, creating capital gains tax implications. “Binding” death benefit nominations can be invalid, ineffective, or even worse, be binding but cause benefits to be ineffective for tax purposes or to be paid to a child going through bankruptcy or divorce.

An estate plan that does not include a regular review of your SMSF may result in non-compliance, adverse taxation consequences or benefits being distributed other than as intended.

Ensure your

superannuation

is dealt with how

you want

7

Real Life Story 1

On the advice of their accountant, John and Julie

created a SMSF to manage their assets and income in

a tax effective manner when they retired ten years ago.

Unfortunately, the trust deed was never reviewed and

updated when major changes to superannuation laws

ca me into effect.

On Julie’s death, John’s accountant advised him to appoint

his daughter Susan as co-trustee to comply with the

superannuation law (and to save money on the creation of

a company). On John’s death, as often happens, conflicts

arose in the settling of the estate between their children,

Susan and Tom. As sole trustee of the SMSF, Susan

ignored her parents’ Wills and paid the entire SMSF

proceeds to herself, to the exclusion of Tom. Unfortunately,

there was nothing the court could do to stop this proceeding

when Tom objected.

If John and Julie, as members of the SMSF, had given a

Binding Death Benefit Nomination, Susan would have

been forced to honour her parents’ wishes.

Real Life Story 2

On his death, Ronald’s children were forced to take their

step-mother to court in an attempt to gain control of their

father’s superannuation benefits. Due to the drafting of

his SMSF Deed, the Supreme Court considered Ronald’s

nomination that his superannuation benefits be paid to

his estate, to be non-binding as it did not meet certain

technicalities. This meant that his second wife, Helen,

could pay the benefits to herself, ignoring Ronald’s wishes

and his children from his first marriage.

If a properly considered nomination had been drafted and

succession planning for the fund implemented, Ronald’s

superannuation benefits would have ended up with his

children, as he intended.

Real

Life

Story

23

Merthyr Law Family Safe®

Speculative claims by

estranged

children

demanding a

greater share of

their parents’

estate are on

the rise.

Estate litigation is the new frontier where many former personal injuries lawyers have moved for “easy money”.

More and more we are seeing speculative claims by estranged children demanding a greater share of their parents’ estate. All too often, executors are grudgingly forced to meet these claims (and override the clear wishes of the Will Maker) in order to avoid the estate being eroded through legal fees.

Despite common belief, the largest successful family provision claim (ie a claim by a spouse, child or dependant that they had inadequate provision) decided in the Queensland Courts as at 2013 was an award for $620,000.00 to a son with respect to a $6M farming estate.

Did you know in Queensland that a Family Provision Claim cannot be made against assets held in trusts or superannuation but only against a person’s estate?

As a vital component of a Family Safe® _{Program, Merthyr’s Lawyers}

can help Will makers avoid or minimise claims by estranged partners, children or stepchildren. The Will maker’s affairs can be engineered to minimise estate assets over which claims can be made, while at the same time maximising trust and related assets where control can be given to the preferred beneficiaries without risk of challenge. Careful planning can help to save money from futile legal fights.

Merthyr’s lawyers are also experienced at helping executors efficiently dismiss frivolous claims by greedy beneficiaries.

8

Structure your

affairs to help

avoid a family

provision claim

Joe was a widower who had three adult children. He owned

his home outright, had $800,000.00 in superannuation

and had two investment properties in fa mily trusts. Joe

was estranged from one of his children, Harry who was a

substance abuser and ga mbler. He didn’t want to leave a

cent to Harry as he had already wasted tens of thousands

on trying to help him over the years.

Unfortunately, because Harry had no savings, had a

substance abuse problem and Joe had given him tens of

thousands of dollars over the years, he was in a strong

position to make a fa mily provision claim.

Joe didn’t want to take this risk. He minimised the value of

his estate by implementing a Fa mily Safe

Gift and Loan

Back strategy over his home effectively gifting the equity to

a trust in which control was given to his ”good” children. In

addition, on death he ensured his superannuation interests

were given to his other children directly rather than via his

estate.

There was no estate against which Harry could make a

fa mily provision claim.

Joe’s Fa mily Safe

Progra m ensured that the value of his

estate was negligible and his other children got the bulk of

the value of his assets, free from the risk of any claim by

Harry.

25

Merthyr Law Family Safe®

A new partner

might walk away

with up to half

of your assets

including your

children’s inheritance.

People are concerned that the wealth that they’ve accumulated over time may be lost to a partner, especially when there is disparity between the parties’ asset position when they get together.

Divorced or widowed parents who are entering into new

relationships, are concerned that in the event that the relationship breaks down, the new partner might walk away with up to half of their assets, including their children’s inheritance.

The only way that you can have certainty to protect your assets from Family Court claims is through entering into a Binding Financial Agreement, under which both parties must receive independent legal advice and fully disclose all their assets and liabilities.

Enter into a second

marriage or

relationship with

confidence

9

Three years ago: Mary divorced Tony. In her property

settlement, she received the former matrimonial home

(mortgage free). Tony and Mary have three children who all

live with her.

One year ago: Mary met Jim. The relationship has become

serious and they intend to get married in the near future.

Jim lives in rental accommodation. Mary and Jim spend

a lot of time together and they don’t see the sense in

maintaining two separate homes. They have agreed that

Jim will move into Mary’s home.

While the relationship is currently stable, Mary has been

here before and she is worried that, should they separate, Jim

may make a claim on her assets including her family home.

Mary wishes to protect her property for the benefit of her

children.

What can Mary do?

Mary can “quarantine” her property and keep the

inheritance for her Fa mily Safe by entering into a Binding

F inancial Agreement with Jim. This means that her home

will not form part of the asset pool available for division in

the event that their relationship/marriage breaks down.

The agreement will prohibit Jim from making a claim in

relation to Mary’s property and she and her children have

certainty that they will always have a home to live in.

After getting the financial side of things out of the

way, Mary and Jim were able to concentrate on their

relationship.

Real

Life

Story

Over the years, we’ve witnessed far too many dire consequences experienced

by people who were not protected by a Family Safe

_{Plan. Had they embarked}

on a Family Safe

_{Program with Merthyr Law, they could have identified where}

their assets were vulnerable before it was too late and avoided losing everything.

Effective Estate Planning is very much a journey... rather than a destination. Establishing your Family Safe® _{Plan correctly}

in the beginning is crucial, but equally as important is ensuring that it remains current, taking into consideration the constant changes to your circumstances and the law.

Merthyr Law’s Family Safe® _{Program is designed to ensure you don’t get too busy to regularly review your estate planning.}

Initial Review

Bi-annual Review

Bi-annual (or annual) meeting with an experienced estate planning lawyer to ensure your Family Safe® _{Plan remains}

effective

Review your objectives and priorities

Review changes in your circumstances (family changes, business and asset structures) Based on the outcome of the above meeting, you will either:

Have peace of mind that your current Family Safe® _{Plan still meets your objectives, or}

If changes are required, you may engage us to update your Family Safe® _Plan

Quotes will always be provided for any recommendations we make. Alternatively, an annual retainer including changes and updates can be arranged.

Storage and safe custody of Family Safe

_documents

Subscription to InforMER Client Alerts

Your Family Safe

®

_journey

should be a path travelled annually, removing any new obstacles.

Experience and Expertise. (Why Merthyr Law?)

We’re real people who understand the real life scenarios you face, delivering expert advice in a relaxed, friendly and professional environment. Our expertise is focused on the protection of clients’ personal, superannuation, investment and business interests with the purpose of ensuring these assets can and will be transferred down from generation to generation, safely and tax effectively.

With over 30 years of legal experience and training, Merthyr Law can provide advice in:

Asset Protection Family Law Structures for Business and Investment Assets Wills and Estate Planning Trusts General Commercial Matters and Agreements SMSFs Taxation Law Estate Administration

A small price to pay for keeping assets safe for your family

How much does it cost for Merthyr Law to keep assets for your family safe? The circumstances vary significantly for every client requiring a customised Family Safe® _{Plan. A written fixed price quote is always provided.}

How much will a Family Safe® _{Plan save me? Your Family Safe}® _{Plan and Family Safe}® _{Program are designed to give you}

peace of mind, but the real benefit is for your loved ones. This is a purely selfless gift.

The cost of making your Family Safe

_{is minimal when you consider that it safely secures}

every asset you have worked hard for in your life for the benefit of your family.

Start your journey today

to keep your family safe tomorrow.

Speak to Merthyr Law to create your own personalised

Family Safe

®

_{Plan, then join the Family Safe}

®

_{Program and}

review your plan on a bi-annual (or annual) basis to

ensure your legacy never falls into the wrong hands.

Head Office:

Level 2, 247 Adelaide Street

Brisbane, QLD 4000

B R I S B A N E

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