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Here is a practical approach to creating a retirement plan that will help enable financial peace of mind.

Many investors concentrate on building their nest egg during their working lives to pay or help pay for their retirement but fail to give enough attention to planning for a retirement that may last 25 years or longer.

A lack of retirement planning makes retirees more financially vulnerable than necessary in numerous ways including the possibility of outliving your retirement savings, overreacting to market volatility, not planning for unexpected costs and holding a portfolio that isn’t properly diversified.

Some retirees who have not properly planned for retirement may have underestimated the amount required to finance their anticipated lifestyles, while others may be living too frugally given their financial needs.

By following a practical approach for creating a retirement plan that aligns with retirees’ often-unique goals while mitigating risk, retirees may gain greater confidence that savings will match with your future financial needs.

Step 1: Determine your retirement goals

These goals typically include having enough income to pay for basic living expenses, a contingency reserve (such as for medical treatment, home repairs and aged care) and discretionary spending (such as eating out and holidays). And you may plan to leave an inheritance. Once your goals are listed, you can prioritise their importance.

Step 2. Understand your risks

These include market risk, health risk, longevity and mortality risk, event risk (again such as medical treatment, home repairs and aged care), and tax and policy risk (changes to government policies and health care coverage). The research suggests that these risks should be addressed in the context of their impact on achieving their retirement goals.

Step 3: Assess your available financial resources

This will help ensure that your capital is used as efficiently as possible. Financial resources include super and non-super savings, age pension if eligible, annuities, insurance, housing wealth, insurance, and any additional income if planning to work in retirement.

Step 4: Develop a plan to achieve your goals and mitigate your risks

This is a matter of bringing together the various elements of your retirement planning. The right mix of resources should be tailored to your individual circumstances. It should take into account the relative importance of competing goals and the risks that a retiree may be susceptible or sensitive to.

The ultimate retirement goal

In the end, peace of mind may be the ultimate retirement goal bearing in mind this phase of life may represent at least a quarter of our lives.

If you’d like to start planning for your retirement, contact us today on 1300 79 80 38.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL

Helping you breakdown technical terms

There are some tricky terms used throughout the home buying process that can be confusing for first-time buyers. It’s important for you to understand this terminology when navigating your home ownership journey to avoid having to make changes down the track which can be costly.

Key loan terminology

An important indicator for you to consider when evaluating the cost of a loan from different lenders is the comparison rate. It is a percentage rate figure that evaluates the interest rate, taking into account the fees and charges associated with the loan. For a home loan, the comparison rate is usually calculated based on a standard loan amount of $150,000 for a 25-year term. Put simply, the comparison rate is intended to help you to compare the true cost of the loan across several lenders.

Line of credit (also known as revolving credit) is a flexible ongoing loan arrangement that allows you to borrow within a specified and agreed credit limit. Like other loans, a line of credit charges interest as soon as money is borrowed. Interest is added to the loan each month up to the loan limit, or you can make interest-only repayments during the loan term while the loan is within its credit limit. Lines of credit are often used for everyday transactions to cover any gaps in irregular monthly income or for costs that cannot be predicted upfront.

Lenders Mortgage Insurance (LMI) is insurance taken out by a lender to protect itself against the risk that a borrower defaults on their loan repayments. With LMI, a lender may accept a smaller deposit than the 20 per cent usually required which can accelerate the home ownership journey.

The Loan-to-Value Ratio (LVR) refers to the proportion of the loan amount to the lender’s valuation of your property. LVR is used by financial institutions as an assessment of lending risk and will typically require that LMI be obtained for the loan if the LVR is greater than 80 per cent. This is calculated by dividing the loan amount by the assessed value of the property. This means a property valued at $500,000 and a deposit of $50,000 would require a $450,000 loan, equal to an LVR of 90 per cent.

Before switching loan products, making additional repayments to your fixed rate loan or repaying your loan in full during the fixed rate period, it is important to consider break costs. These fees are the calculated amount of loss incurred by lenders when your repayments exceed the fixed rate repayments due during the year, or if you repay your fixed rate loan early, which are passed onto the borrower. Some lenders may allow you to make a small amount of repayments above your fixed repayments annually without incurring break costs. Make sure you are aware of these costs and understand when they would apply to your loan to avoid any unwanted fees.

Your home loan can also be linked to an everyday banking or debit account which is called an offset account. Any savings deposited into this account will be offset against the balance of your home loan, meaning you only pay interest on the difference between the loan balance and amount in the offset account. This may help to reduce your home loan term.

A guarantor loan is a type of home loan that allows you to rely on third party’s assets as part of your loan approval. If you don’t have a 20% deposit, then generally a lender may accept a third party guarantor to support you to purchase a home of your own (usually a parent or close relative). You still need to make your loan repayments, and the guarantor accepts the obligation to step in. Should you default on your loan they may by required to make the repayments or the bank may exercise their security interest over your property (and potentially the guarantor’s) in order to recover their loss.

An establishment or application fee is charged by lenders when you take out a home loan. This fee is charged to cover the costs of setting up your home loan and its necessary documentation.

You will receive a formal approval in the form of a letter where the lender confirms that they have everything needed to proceed with your home loan. This is different to a conditional approval, which is generally obtained earlier and is subject to various conditions.

Key property terminology

It is important to protect yourself against gazumping when purchasing property. Gazumping can occur when an offer you make to buy a property is accepted and the price is agreed upon, but the property is then sold to someone else who makes a higher offer. Being gazumped is not only disappointing but can prove to be costly as the agent and seller are not obliged to provide compensation for any money spent on legal advice, inspections or application costs. You can protect yourself against this by:

• Exchanging contracts with the vendor as soon as possible: Once contracts are exchanged between the buyer and seller, the sale is legally binding
• Have your loan financing arranged to avoid any delay in exchanging contracts
• Purchase at auction where gazumping can’t take place.

A contract of sale is the legally binding written agreement between the buyer and seller that outlines the terms and conditions for the sale of the property. This contract is often negotiated and prepared by solicitors or conveyancers.

Conveyancing is a key part of the property buying journey. It encompasses all legal work required to prepare and finalise the sales contract, mortgage and other property related documents. When purchasing a property, you have the option to do your own conveyancing or contact either a licensed conveyancer or solicitor.

Exchange of contracts is when a contract signed by the vendor is swapped with an identical contract signed by the property purchaser. This is a crucial part of the conveyancing process as it is the stage at which the sale becomes legally binding for both parties. When contracts are exchanged, you are also required to pay the deposit for the property being purchased.

After contracts have been exchanged, it is common to have a cooling off period ranging from 2 to 5 business days depending on the state. This allows you to change your mind and withdraw from the sale but may incur a financial penalty calculated as a percentage of the purchase price. However, it’s important to know that a cooling off period does not apply for houses bought at auction. Please note: The length of the cooling off period can vary between states as some do not have mandatory cooling off periods.

Settlement is when you become the legal owner of a home and you’re able to move in. It usually occurs 6 weeks after the exchange of contracts and is when your lender disburses funds for your loan that cover the remaining sale price.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL

Property investors say that succeeding in real estate is all about timing. Buying at the bottom and selling at the top is easier said than done as there is no easy way to predict exactly when the market is at its peak or trough.

Many real estate experts agree that “time” is everything and it’s more about “time in the market” rather than “timing the market”.

What is a property clock?

Some real estate analysts use a clock analogy to explain market cycles. The hands moving around the clockface represent where local markets are, at any one point in time.

So many markets, so little time 

While the idea of a property clock is logical, the notion of a top and a bottom should be taken at face value.

Experts break down the major capital city performance into “house” and “unit” markets and refer to “regional” figures separately, consolidating hundreds of regional cities and towns into one collective data group.

Cities and towns might be heading one way as a whole but dig deeper and some suburbs can be running their own individual race.

Buyers and sellers should narrow their research to fit their own personal circumstances. The big picture is great, but knowing exactly what is happening where you plan to buy, or sell is more relevant.

It’s hard to time the trough

During the pandemic, people were looking to get out of the city and choosing to move to regional areas with more space and tranquility as they worked from home.

Interest rates were at record lows allowing some people to secure their dream property. As a result, inner city apartments were out, as people were opting for larger homes meaning houses and regional properties boomed. 

In early 2022, many locations moved from the “12 o’clock” spot transitioning away from their market peak. Houses started to become even more unaffordable for many and with interest rates rising swiftly, the desire (and the ability) to pay top dollar dropped.

Apartments gradually started coming back into favour and less demand for high-priced houses saw values slip. It’s not yet determined whether the property market has reached the “6 o’clock bottom”. Unfortunately, pinpointing when values hit a trough is usually declared once the moment has passed.

It’s not timing the market, but time in the market

Australia has a diverse property market with varying cycles. Although, as a population we might experience the same external economic factors – such as inflation pressures and interest rate rises – how each of them impact each corner of the country, can vary greatly.

Experts cannot predict exactly how long each cycle will be or the extent of the rises and falls. For example, when Covid hit many economists were signalling a property market crash – the market proved them wrong.

Sophisticated property investors look for real estate in desirable locations that may appear more likely to hold their value and increase over time.

“Time” can also refer to the right time for you as a buyer as you need to have your financial ducks in a row to purchase a property. 

Whether you’re an investor or a homebuyer, holding out to buy at the bottom means you may risk missing out on time in the market because as history has shown us – the longer you hold a home, the more valuable it may become. 

To talk about the right time for you to make your next step onto the property ladder, speak to us today.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL

Superannuation has dominated recent headlines, with proposed changes announced by Treasurer Jim Chalmers. While the details of these changes still need to be released, it’s worthwhile turning our focus to superannuation balances as we approach the end of financial year.

There are lots of different ways to top up your super, but if you want to take advantage of the opportunity to maximise your contributions, it is important not to wait until the last minute.

One of the simplest ways to boost your retirement savings is to contribute a bit extra into your super account from your before-tax income. When you make a voluntary personal contribution, you may even be able to claim it as a tax deduction.

If you have any unused concessional contribution amounts from previous financial years and your super balance is less than $500,000, you can also make a carry-forward contribution. This can be a great way to offset your income if you have higher-than-usual earnings this year.

Another easy way to boost your super is by making tax-effective super contributions through a salary sacrifice arrangement. Now is a good time to discuss this with your boss, because the Australian Taxation Office requires these arrangements to be documented prior to commencement.

Non-concessional super strategies

If you have some spare cash and have reached your concessional contributions limit, received an inheritance, or have additional personal savings you would like to put into super, voluntary non-concessional contributions can be a good solution.

Non-concessional super contributions are payments you put into your super from your savings or from income you have already paid tax on. They are not taxed when they are received by your super fund.

Although you can’t claim a tax deduction for non-concessional contributions because they aren’t taxed when entering your super account, they can be a great way to get money into the lower taxed super system.

Downsizer contributions are another option if you’re aged 55 and over and plan to sell your home. The rules allow you to contribute up to $300,000 ($600,000 for a couple) from your sale proceeds.

And don’t forget you can make a contribution into your low-income spouse’s super account – it could score you a tax offset of up to $540.

Eligible low-income earners also benefit from the government’s super co-contribution rules. The government will pay 50 cents for every dollar you pay into your super up to a maximum of $500.

Your tax bill can benefit

Making extra contributions before the end of the financial year can give your retirement savings a healthy boost, but it can also potentially reduce your tax bill.

Concessional contributions are taxed at only 15 per cent, which for most people is lower than their marginal tax rate. You benefit by paying less tax compared to receiving the money as normal income.

If you earn over $250,000, however, you may be required to pay additional tax under the Division 293 tax rules.

Some voluntary personal contributions may also provide a handy tax deduction, while the investment returns you earn on your super are only taxed at 15 per cent.

Watch your annual contribution limit

Before rushing off to make a contribution, it’s important to check where you stand with your annual caps. These are the limits on how much you can add to your super account each year. If you exceed them, you will pay extra tax.

For concessional contributions, the current annual cap is $27,500 and this applies to everyone.

When it comes to non-concessional contributions, for most people under age 75 the annual limit is $110,000. Your personal cap may be different, particularly if you already have a large amount in super, so it’s a good idea to talk to us before contributing.

There may even be an opportunity to bring-forward up to three years of your non-concessional caps so you can contribute up to $330,000 before 30 June.

If you would like to discuss EOFY super strategies or your eligibility to make contributions, don’t hesitate to give us a call.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL

As the end of financial year fast approaches, here are three main factors to keep in mind. By being prepared, particularly with your admin, having an awareness of what you can claim and considering any capital losses or gains, you will be well positioned to make the most of EOFY.

Compile your records and receipts

This time of year either has us patting ourselves on the back for our good record keeping throughout the last 12 months, or vowing to have better systems in place next financial year. If it’s the latter, there are many great apps you can utilise to make it easier to keep track.

In the ATO app, there is a myDeductions section to help keep your records in one place, and Expensify and Shoeboxed are also popular choices. These apps are free, though the latter two have paid plans that allow for more features (including the ability to integrate with accounting software such as QuickBooks).

Whichever system you have used, get prepared by compiling your records and receipts or looking at your app. Having this information at the ready will reduce the time it will take to prepare your tax return and ensure you don’t miss any expenses from the past year.

Know what to claim

Whether you’re new to property investment or have owned an investment property for a while, it’s always a good idea to be aware of what you can claim come tax time. This can be a bit of a process, given the introduction of different tax deduction rules, but here are some key things to focus on.

Immediate expenses

As a property investor, you can claim expenses such as council rates, body corporate fees and charges, loan expenses such as interest paid and bank fees, as well as costs related to advertising, accounting, and alterations. Costs relates to the investment property’s repairs and maintenance, such as cleaning, gardening, or pest control, can also be claimed.

You can also claim expenses that relate to the running of the property, such as phone calls to the tenants or real estate agents and internet charges. However, these must be portioned according to how often they were used for this purpose, rather than personal use – again, this is why good record keeping throughout the year is helpful in saving time at EOFY.

Depreciation

According to research from BMT, up to 80% of property investors fail to take full advantage of claiming tax depreciation.ⁱ Property depreciation is the second-highest deduction available for property investors, second to mortgage interest repayments, so not claiming as much as you can is a lost opportunity.

Depreciation is annual decline in the value of the property’s structure and permanent fixtures such as the oven/stove, dishwasher, carpet, heater, and air-conditioning unit. You can claim interest for all qualifying depreciating items on investment properties purchased from 9 May 2017 onwards.

You can also claim a depreciation deduction on the construction costs of 2.5% a year for a period of 40 years – this is if your investment property was built after 16 September 1987. The same applies to renovations done after 27 February 1992. The depreciation deductions of the property structure and permanent fixtures can be complex, so it can be best to seek advice.

It’s important to note that if the property was used for personal use (such as your holiday home), interest payments cannot be claimed as an expense for this period.

Consider negative gearing losses and capital gains

Negative gearing, in which the income from the investment is less than the expenses are, is also something to keep in mind at EOFY. If you have had losses, this will reduce your total tax payable.

On the other hand, if you’ve sold your investment property and made a capital gain on the sale this financial year, this will be taxed. Provided you have owned your investment property for over 12 months, you can apply for the 50% capital gains tax (CGT) discount.

Should you have any questions about your current property or finance as we approach June 30, don’t hesitate to get in touch.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL holder No 509305.

Budget incentives and crackdowns on unpaid tax debts and rental deductions

Although this year’s Federal Budget was short on big changes when it came to tax, there still have still been some important developments in this area. Here are some of the latest developments in the world of tax.

Small business tax incentives and write-offs

The budget ushered in some valuable new tax incentives for small businesses, including halving the increase in quarterly tax instalments from 12 per cent to 6 per cent for both GST and income tax during 2023-24.

The government also introduced a bonus 20 per cent deduction for businesses with turnovers under $50 million when they spend on energy saving upgrades. Up to $100,000 of total expenditure will be eligible, with the maximum bonus tax deduction being $20,000 per business.

Although smaller than the previous year, the instant asset write-off continues in 2023-24 with up to $20,000 available for immediate deduction on eligible assets.

The planned third tranche of personal income tax cuts due to start next financial year also remained in place, while the low and middle income tax offset was not extended.

Super changes for employers

Another significant tax change announced in the budget will affect employers. From 1 July 2026 employers will be required to pay their Super Guarantee (SG) obligations at the same time they pay employee salary and wages.

The ATO has received additional resources to help it detect unpaid super payments earlier.

Employers also need to remember the SG amount for employee super rises to 11 per cent from 1 July 2023.

Tax debt warnings sent out

The ATO is continuing to write to directors of companies with tax debts warning if the company hasn’t paid the amount owing or contacted it to make other arrangements, a director penalty notice (DPN) may be issued.

DPNs are issued to current directors and anyone who was a director at the time the company failed to pay. They make directors personally liable for failure to meet pay-as-you-go withholding (PAYGW), GST and Super Guarantee Charge obligations.

Directors receiving these letters need to arrange payment of the overdue amount or enter into a payment plan.

Data-matching adds investment properties

Residential investment property loans (RIPL) are the latest target of the ATO’s increasingly wide-ranging data-matching program.

Data will be obtained from financial institutions including all the major banks, regional banks and building societies.

The information is being collected following the ATO’s identification of a tax gap of $1 billion for individuals in the 2020-21 financial year due to incorrect reporting of rental property expenses.

Self-education expenses under spotlight

The ATO is currently developing a new draft taxation ruling covering the deductibility of self-education expenses incurred by an employee or an individual carrying on a business.

The draft ruling will reflect the current rules in this area following repeal of several sections of the Income Tax Assessment Act and some new legal decisions. The new ruling is expected to be completed in late June.

Taxpayers claiming self-education expenses recently had the existing requirement to exclude the first $250 of deductions removed.

GST fraud enforcement continues

The clampdown on the biggest GST fraud in Australia’s history is continuing, with a raft of enforcement activity undertaken by the ATO-led Serious Financial Crime Taskforce in recent months.

Search warrants were executed in three states against individuals suspected of promoting the fraud. This follows previous compliance action against more than 53,000 people, with two individuals sentenced to jail time for their GST fraud activities.

Cyber safety checklist released

The ATO is again emphasising the importance of business cyber safety by releasing a new checklist for small businesses.

The tips include simple ideas for keeping business and client data safe from cybercriminals, such as turning on automatic updates and using multi-factor authentication when possible.

Resources for training staff on preventing, recognising, and reporting cyber incidents are available from the government’s Australian Cyber Security Centre.

If you would like assistance getting your accounts under control as we approach the end of financial year, call us today on 1300 79 80 38.

Visit our Financial Knowledge Centre where you will access educational videos and articles, plus join our monthly e-Newsletter to help improve your financial knowledge.

If this article interested you and you would like to speak to Pat Casey on the phone, select a time to speak Pat – Financial Planner Sydney.

At Assure Wealth we specialise in helping busy, successful families structure their finances to achieve greater wealth and financial peace of mind.

Author: Pat Casey – Managing Director & Financial Planner Sydney – Assure Wealth

Download the Assure Wealth Corporate Brochure

Disclaimer: The information provided on this website has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your Walker Lane Pty Ltd Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Walker Lane nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.

Assure Wealth Pty Ltd ABN 31 965 466 780 Corporate Authorised Representative no. 1244817, Patrick Casey Sub-Authorised Representative no. 1244748 of Walker Lane Pty Ltd ABN 70 626 199 826, an AFSL holder No 509305.