• No results found

Wealth & Planning... Financial Planning Services

N/A
N/A
Protected

Academic year: 2021

Share "Wealth & Planning... Financial Planning Services"

Copied!
7
0
0

Loading.... (view fulltext now)

Full text

(1)
(2)

Contents.

Whatever your financial goals – wealth creation,

retirement, investments or otherwise – having a

financial plan is key to ensuring that you get there.

Your Financial Planner will discuss your personal goals and financial circumstances, and prepare a plan tailored for you to put you on a course to achieving your goals.

What would you like to know?

What is financial planning? 03

What can my Financial Planner do for me? 04 What will happen when I meet my Financial Planner? 05 What information will my Financial Planner need

from me? 06

Why choose financial planning through QSCU? 08

What is financial

planning?

Your financial road map.

Everyone has different places that they want to go in life – to own a home, invest for retirement, send the kids to university or simply feel secure. A financial plan, prepared by a qualified Financial Planner, is a road map that gives you clear directions to help you achieve your goals.

Helping you towards a better financial outcome.

Your Financial Planner can help you to put in place strategies designed to maintain or improve your lifestyle, working to optimise the financial resources you have.

Keeping you on course when things change.

Your financial plan also helps ensure your finances remain aligned to your goals when changes occur. For example:

Legislative changes – a Financial Planner can explain how

changes made to legislation could affect your finances and how you can maximise your opportunities.

Personal changes – everything from pay-rises to windfalls

or redundancy; your Financial Planner can show you strategies to help you optimise your finances at every stage.

For more information or to arrange a meeting

For more information on Qwealth Super and Investments or to arrange a free, no-obligation meeting with a Financial Planner, contact us by:

Call 1300 787 787

Branch Arrange a meeting with one of our Financial Planners

Stephen Weinstein

(3)

What can my

Financial Planner

do for me?

What stage are you at right now? Building your wealth? Nearing retirement? Starting a new business? Getting ready to retire? Whatever stage you’re at, getting financial advice from a qualified Financial Planner could benefit you in many ways – check the situations below to see how.

I’m nearing retirement

Suggest strategies for making the most of your Super.

Retirement is still a long way off

Show you how to potentially increase your eventual retirement payout without sacrificing your lifestyle now.

I don’t know what’s happening with

my superannuation

Track down your superannuation from different jobs and consolidate it.

I’ve recently been made redundant

Offer advice on how to invest any redundancy payment – or how to cope financially while you find a new job.

I’ve just become my own boss

Discuss strategies to protect your income and maximise your superannuation.

I want to build my wealth

Show you how to grow your wealth through innovative strategies like margin lending.

I’ve just received a surprise windfall

Suggest ways to invest any surplus funds for maximum gain.

I want to look at estate planning

Look at your assets and opportunities.

What will happen

when I meet my

Financial Planner?

Your first meeting with your Financial Planner is free, and there’s no obligation or pressure to proceed. During this meeting, your Financial Planner will ask you questions to get an understanding of your goals, attitude to risk and financial circumstances.

If you decide to go ahead with a financial plan, the consultation process will involve the following:

Collect

your Financial Planner will ask you to provide details (such as your income, assets, liabilities, investments and other financial details) so they can get an accurate picture of your finances.

Recommend

using your details, your Financial Planner will recommend strategies to help you achieve your goals, then develop and present you with their recommendation in writing (called a Statement of Advice).

Discuss

your Financial Planner will then seek your approval for the strategies they have recommended and make any adjustments you require.

Implement once you accept your Financial Planner’s recommendation, they will go about putting any agreed strategies in action.

Review

your Financial Planner will offer to regularly review your plan to ensure it remains aligned to your goals and circumstances when things change.

Remember, you’re always in control

(4)

What information

will my Financial

Planner need?

Making the most of your Financial Planner’s expertise.

So that your plan is both in tune with your circumstances and achievable, you’ll need to provide your planner with some detailed information about yourself. Use the checklist below as a guide.

Your financial details

What’s your personal annual income? What’s your combined family income? What do you expect your future income to be (including any inheritances)?

What are your family circumstances? (e.g. How many children do you support?) What are your current assets and liabilities? What superannuation and insurance do you have? What investments do you have?

Your personal situation and goals

How old are you?

When do you want to retire?

How do you want to educate your children? Is a second home (like a holiday house or investment property) important to you?

Do you have dependants you need to provide for? Do you have an up-to-date Will?

Are there any significant expenses on the horizon?

Peter McCabe

A member since 1971, Peter McCabe always turns to QSCU for investment advice.

“QSCU keeps me up to date with what’s happening in the local and international markets. I get great advice, a personal service and it’s easy to understand. And I’ve found the free seminars very informative. So I feel secure and I know

Qwealth

is all about

peace of

(5)

Why choose

financial planning

through QSCU?

Our Financial Planners

You trust us with your everyday banking – and now we have joined with ClearView to provide you with the opportunity to enjoy the same personal, top-quality service for your investments, insurance and superannuation.

All Financial Planners are Authorised Representatives of ClearView Financial Advice Pty Ltd ABN: 89 133 593 012 AFSL: 331 367

All Financial Planners who are employed by QSCU are also authorised representatives of QSCU (AFSL: 238 205), and may provide advice to Members in respect of products issued by QSCU, such as Retirement Savings Accounts, Term Deposits and Savings Accounts.

Who is ClearView?

ClearView is one of Australia’s leading financial services groups that specialises in providing financial advice to help our Members grow their assets and protect their families. Together we provide quality financial advice and offer a comprehensive range of investment options, superannuation and retirement products, and life insurance cover.

What are ClearView’s credentials?

ClearView is licensed to deliver a range of investment management and tax strategy services.

This includes offering advice on:

Personal superannuation, including rollovers, allocated pensions, RSA accounts, spouse contributions. Self-managed superannuation funds.

Managed funds.

Insurance (life, disability and income protection). A comprehensive product range.

A wide choice of investment options from Australia’s leading fund managers.

Advanced Portfolio Services for ease of investment management and reporting.

(6)
(7)

ClearView Financial Advice Pty Ltd ABN: 89 133 593 012 AFSL: 331 367. Qantas Staff Credit Union Limited (“QSCU”) ABN 53 087 650 557 AFSL 238 305 receives commission for referrals to ClearView, refer to QSCU’s Financial Services Guide (“FSG”) for more information. QSCU’s FSG is available on our website or by calling 1300 787 787.

This booklet is intended to provide general advice only and has not been prepared to provide particular recommendations for any particular individual and has not taken into account any clients objectives, financial situation or needs. Before making an investment decision on the basis of this advice you need to consider, with or without the assistance of an advisor, whether the advice is appropriate in light of your particular investment needs, objectives and financial circumstances.

Call 1300 787 787

www.qantascu.com.au

Qantas Staff Credit Union Limited

Locked Bag 6747 Hurstville BC NSW 1481

ABN 53 087 650 557 AFSL/ACL 238 305

711 11/11

References

Related documents

Zurich offers you a wide range of financial products from life insurance cover, savings & investment solutions to pension and retirement planning.. Check

Wealth management Investment planning Retirement planning Inheritance tax planning Long-term care planning Mortgage advice.. Protection products

Fund Management Financial Products Designing General Insurance Retirement Planning Portfolio Management Financial Products Marketing Insurance Products Estate Planning.

Wealth, Brokerage and Retirement provides a full range of financial advisory, lending, fiduciary, and investment management services to clients using a planning approach tailored

If your customer service program is reflecting high quality monitoring scores and low CSAT scores, this could be a symptom that universal truth #2 exists in your contact center..

Change of the natural frequency of the layered composite beam with respect to the layer angle when a/L = 0.1 (mode

The registration fee covers admission to the course, a copy of the programme, coffee breaks, lunches and dinners throughout the course as indicated in the programme, daily

interested in taking AP courses, are ready for early college programs, and want more challenging curriculum, a discussion on how to do that in challenging budget times was