Client Resources

Further Client Information

Browse and download useful documents, guides, and forms to support your financial decisions and keep your plans moving forward.

Document directory

Retirement & Pensions

Account-based Pension Education Guide

Explains how account-based pensions provide retirement income from super.

ASFA Retirement Standards

Provides benchmarks for retirement living costs and income needs.

Bring-forward Arrangements

Explains the bring-forward rule for making larger non-concessional super contributions.

Life Expectancy

Australian life expectancy tables commonly used in retirement and pension planning projections.

Superannuation

Beneficiary Nominations

Explains how superannuation death benefits can be directed to beneficiaries.

Concessional Contributions

Overview of pre-tax super contributions and related tax benefits.

Concessional Contributions - Carry Forward Unused Cap

Explains how unused concessional contribution caps may be carried forward.

Contributions Cap Guide

Summary of superannuation contribution caps and limits.

Downsizer Contributions

Explains eligibility and benefits of making downsizer contributions to super after selling a home.

Government Co-contributions

Explains Government incentives available for eligible personal super contributions.

How Tax Applies to your Super

Explains how super withdrawals and benefits may be taxed.

Non-Concessional Contributions

Explains after-tax super contributions, contribution caps and strategies to boost retirement savings.

Superannuation Education Guide

Overview of how superannuation works, contribution rules, taxation and fund types.

Transition to Retirement Pension Education Guide

Explains how a transition to retirement pension can supplement income while working

Work Test

Explains the super contribution work test and work test exemption rules.

Centrelink & Government Benefits

Age Pension

Explains Age Pension eligibility, income and assets testing.

Commonwealth Seniors Health Card

Explains eligibility and benefits of the Commonwealth Seniors Health Card.

Deeming Rates

Explains how Centrelink assesses income from financial assets.

Gifting

Explains Centrelink gifting rules and their impact on entitlements.

Granny Flats

Explains granny flat interests and Centrelink assessment rules.

Means Testing

Overview of Centrelink income and asset testing methodologies.

Investing

Dollar Cost Averaging

Explains investing regularly over time to reduce timing risk.

Geared Investments

Overview of geared investment funds, how they work, and associated risks and benefits.

Investment Bonds Education Guide

Explains how investment bonds can be used for tax-effective long-term investing.

Understanding Risk & Return

Explains investment risk, expected returns and investment time horizons.

Tax Strategies

Capital Gains Tax

Explains how capital gains tax applies to investment and asset disposals.

Gearing

Explains borrowing to invest, including the potential tax implications of negative gearing.

Small Business 15-year CGT Exemption

Explains eligibility for the 15-year CGT exemption and related super contribution opportunities.

Estate Planning

Overview of wills, powers of attorney, testamentary trusts and estate distribution considerations.

Self-Managed Super

SMSF Education Guide

Explains how self-managed super funds operate and trustee responsibilities.

Debt Management

Debt Management Education Guide

Explains strategies to manage and reduce personal debt.

Aged Care

Aged Care Education Guide

Explains aged care services, assessments, fees and funding arrangements.

Insurance

Personal Insurance Education Guide

Explains personal insurance strategies designed to protect your income, assets and family from unexpected life events.

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