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Understanding Series

Understanding Series

Our Understanding Series is designed to help you get the most from financial advice. Covering a range of fundamental concepts, these guides provide some additional to help you understand the financial planning concepts discussed in your Statement of Advice.

Debt Management Strategies

Debt Management
Redraw Facility
Debt Recycling
Costs and Risks of Reverse Mortgages

Retirement Income Strategies

Account Based Pensions
Transition to Retirement Pensions
Term Allocated Pensions
Annuities
Transfer Balance Cap
Pooled lifetime income streams

Social Security Strategies

Age Pension
Aged Care
Disability Support Pension
DVA Service Pension
Gifting
Insurance bond in a private trust
JobSeeker Payment
Pension Income and Assets Tests – Department of Human Services
Strategies to increase Department of Human Services or DVA entitlements
Waiting periods
Granny flat rights

Insurance Strategies

Income Protection Insurance
Term Life Insurance
Total and Permanent Disablement – TPD – Insurance
Trauma or Critical Illness Insurance

Superannuation Strategies

Cash out and re-contribute to super
Co-contribution
Consolidate superannuation
Downsizer Super Contribution
First home super saver scheme
Non-concessional contributions
Personal deductible contributions
Salary sacrifice
Splitting superannuation contributions
Spouse contributions
Superannuation

Estate Planning

Advance Care Directive
Family Trusts
Powers of Attorney
Special Disability Trust
Superannuation death benefits
Testamentary Trusts
Wills

Investment Concepts

Asset Allocation
Child savings plan
Costs and risks of derivatives
Costs and risks of direct property
Dollar cost averaging
Insurance Investment Bonds
Investment risks
Managed funds
Managed Discretionary Accounts (MDA)
Separately Managed Account (SMA)
Set and maintain a budget

Tax

Small business CGT concessions
Redundancy payments
Salary packaging
Tax considerations for non-residents
Taxation

Business Insurance Strategies

Business Continuation Insurance
Business Expenses Insurance
Business Succession Agreement and Funding

Gearing

Costs and risks of gearing
Costs and risks of gearing into superannuation
Costs and risks of margin lending

Self Managed Super

Commencing an SMSF pension
Costs and risks of borrowing by self managed superannuation funds (SMSF)
Key SMSF investment rules
Limited Recourse Loan
Self managed superannuation funds
The SMSF Investment Strategy

Contact Our Office

Level 8, BDO Centre
420 King William Street
ADELAIDE SA 5000

(08) 8456 9020


Click here for a map of parking and transport options around our office.

About Us

Financial advice specialists Success brings new opportunities, but it also creates new challenges. As your financial situation becomes more complex, you need sophisticated strategies to make the most … Read More

Our services

SMSF’s and retirement planning Executive financial planning and CFO services Cashflow management Portfolio … Read More

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First Principles Financial Planning are authorised Representatives of Godfrey Pembroke Group Pty Ltd (Godfrey Pembroke), ABN 38 078 629 973, Australian Financial Services Licensee 245451, is a wholly owned subsidiary of IOOF Holdings Limited ABN 49 100 103 722 (“IOOF”) and is part of the IOOF group of companies (“IOOF Group”).

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