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Future Financial Services Blog

by Alex McKenzie

Financial planning advice to guide you through your life stages. Financial advice for when you are looking to buy your first home, start a family or looking to retire. This blog aims to show the relevance of Superannuation, insurance and investment for everyday families.

13
November
2018

Maximise your Centrelink

Some strategies to maximise your Centrelink

Despite compulsory superannuation being in place since 1992, most Australians still have their retirement income somewhat subsidised by Centrelink. One of the major roles of a financial planner is to arrange a client’s assets as Centrelink efficient as possible.

Most people are aware that Centrelink is means tested on both assets and income. These tests can be complicated but there are potential strategies whereby the rules can be used to our advantage.

Written by: Alex McKenzie Categories: Future Financial Services Blog

13
November
2018

Should the I accept the group insurance on offer?

Group Insurance Offer

One of the changes in the May Budget that received very little attention was that, for those under 25, guaranteed acceptance group insurance for employee super funds became opt-in. The current situation is that, everyone receiving group cover are automatically opted-in and those who are not interested have to actively opt-out.

My initial thought was that this was a good thing; most young people probably don’t need insurance. This is only partially true in itself but, after chatting with colleagues, this change might have some long-term negative consequences.

Written by: Alex McKenzie Categories: Future Financial Services Blog

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