Home' SA 50s Lifestyle : SA 50s Summer 09 10 Contents 27
When you’re retirement specialists, you have enough
information and helpful hints to fll a small book. So that’s
exactly what we’ve done.
We’ve produced a book that contains the information you
need to get your retirement planning going.
If you would like your copy of ‘How to retire successfully’,
simply phone us today.
How to retire successfully
We wrote the book on it
This is general advice only and does not take into account any person's objectives, financial situation
or needs. Consider whether the advice is right for you before making a decision. RetireInvest Pty Ltd
ABN 23 001 774 125, AFSL 238429 is a wholly owned subsidiary of ING Australia Ltd ABN 60 000 000 779
Call RetireInvest Norwood on 8363 7888
or email firstname.lastname@example.org
Free retirement book
Planning for retirement can be a
daunting time if you are required to
make financial decisions as there are
many rules and taxes that must be
Fortunately, help is at hand!
RetireInvest at Norwood has a
retirement planning book which
provides some great information --
and at no cost!
Ian Hackett and Lisa Palmer from
RetireInvest are also available for a
no-obligation, free discussion on your
retirement goals and objectives.
They both agree that if Australians
seek financial advice only once in
their lifetime, planning for retirement
is the time to do it because of the
complex superannuation, tax and
social security rules in play.
If you would like a free copy of
the book, telephone RetireInvest,
Norwood on 8363 7888 or email
Retireinvest's Ian Hackett.
Retireinvest's Lisa Palmer. Choosing the right
If you're preparing for retirement
then the topic of money is probably
pretty high on your list of things to
A financial planner can prove an
invaluable part in the smooth
transition from the paid workforce to
They can provide information
on retirement planning, wealth
management, savings planning,
superannuation, banking, portfolio
administration, advice on managed
funds and the large array of
financial products available in the
However, it is important you select a
financial planner who will meet your
Some things to consider when
making a selection are :
• Make sure you select a licensed
financial planner who can provide
you with a financial services guide
and make sure they can provide you
with the services you require after
you have explained your financial
situation to them.
• If you are unsure or want to check
if a company or representative
is licensed, go to the Australian
Securities and Investments
Commission and search on the
AFS Authorised Representatives
• You can search for a fnancial
planner on the website for the
Financial Planning Association of
Australia Limited. It provides full
contact details for all registered
Financial Planners in the country.
Make sure you meet with at least
three financial planners and
compare each plan before making a
*continued from previous page
In addition to the benefits outlined in
my article on the previous page:
• If you’re a lower income earner
and make personal after-tax super
contributions of up to $1,000, you
may receive a "co-contribution"
from the Government of up to
$1,000 in 2009/10.
• Earnings in a super fund are
generally taxed at a maximum rate
of 15% (not your marginal rate of
up to 46.5% 7).
• When you reach age 60 or over,
you can receive unlimited tax-free
benefits from a taxed super fund.
• If you convert your super to a
pension, you pay zero tax on
investment earnings within that
account. You may also qualify for
(or increase your entitlement to)
Age Pension benefits when you
reach the qualification age.
This advice in the articles in this
feature is general and may not
be suitable for you because it
is not tailored to your personal
circumstances. Please seek
personal financial and tax advice
prior to acting on this information.
The material contained in this article
is based on information received in
good faith from sources within the
market and on our understanding
of legislation and Government press
releases at the date of publication,
which are believed to be reliable and
7Includes a Medicare levy of 1.5%.
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