Stefan Rose presents benefits Financial Advice Provided By Financial Wisdom

1. Helping Australians
afford their dreams
THE VALUE OF FINANCIAL ADVICE
Date <2013>
Presented by <Adviser name>
Authorised Representative of Financial Wisdom Limited
ABN 70 006 646 108, AFSL 231138

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Important information
This document has been prepared by Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138,
(Financial Wisdom), a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia
ABN 48 123 123 124. Financial Wisdom advisers are authorised representatives of Financial
Wisdom.
Information in this document is based on regulatory requirements and laws, as at 12 August 2013
which may be subject to change. While care has been taken in the preparation of this document, no
liability is accepted by Financial Wisdom, its related entities, agents and employees for any loss
arising from reliance on this document.
This document contains general advice. It does not take account of your individual objectives,
financial situation or needs. You should consider talking to a financial adviser before making a
financial decision.
Taxation considerations are general and based on present taxation laws, rulings and their
interpretation and may be subject to change. You should seek independent, professional tax advice
before making any decision based on this information.
Case studies in this presentation are for illustrative purposes only and do not represent actual
returns. Individual circumstances may vary and this will alter the outcome.
While every effort has been made to ensure the assumptions on which the projections in this
presentation are based are reasonable, the results achieved may differ substantially from these
projections. Past performance is no guarantee of future performance.

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What we will cover
Why use a
financial adviser?
Benefits of
financial advice Getting started
The advice process Why Financial Wisdom? Taking control

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Emerging trends... [Optional]
Impact of global
uncertainty
Need to make
active decisions
Changing,
complex super
& tax regulations
Greater know-how
& expertise required
Less time for
family, finances
& lifestyle goals

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Why advice makes sense at any age [Optional]
Not just for those
about to retire
Disciplined savings
& budgeting habits
More time,
more expensive
Smooth returns
& increase
compounding benefits
More choices
with smart investing

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Why use a financial adviser?
Managing your own finances
can be time consuming
Advisers keep up with changes
to laws & regulations
Financial plan becomes
long-term strategy
Access valuable advice
from qualified professionals

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Why use a financial adviser?
Understands your particulars, uncover new
opportunities & help overcome obstacles
Objective point of view:
avoid irrational or hasty decisions
Regular reviews
& ongoing advice

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The benefits of financial advice
What’s in it for me?
Clear financial plan to
help reach your goals
Improved
financial literacy
Greater sense of
purpose & control
Uncover hidden
financial opportunities
Financial
independence
& security
Peace of mind

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We’ll work with you to set your goals and map out a plan to reach them
We help you understand so you can make confident decisions
Getting started
Future
Now
Understanding
your goals
Reaching
your goals Living the dream
Sharing
the plan
Bringing
them alive

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Timing is everything
Income and
lifestyle
Age 35 Age 65
Singles and
Couples
Family and
mortgage
Career RetirementFamily
Your financial priorities will change over time
Getting the right advice can make all the difference

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Covering all the bases
Personalised advice and a financial plan to help you
manage your wealth effectively
Grow
Saving
Investment
Super
Protect
Family
Lifestyle
Assets
Prepare
Succession
Retire
Estate planning

12. Grow

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Growing your wealth
Investing
• Explore options
• Build a portfolio
• Maximising returns
• ‘Inside or outside’
super?
Super
• Consolidate
• Decide how much
• Tax-effective
strategies
Saving
• Set goals
• Stick to a budget
• Manage debt
effectively

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How is saving different to investing?
Saving Investing
Key Objective To keep your money safe To grow your money
Time frame Shorter Long – up to 30 years
Risk Low risk Potential for volatility
Dollar potential Income only (via interest) Income and growth
Effectiveness Income is assessable at your
marginal tax rate
Potential CGT discount

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Supercharging your super
Transfer
overseas
funds
Government
co-contribution
Review
investment
strategy
Review fees
and charges
Salary
sacrifice
Super
splitting
Strategies
for the future
Things to
consider now
Super is highly tax effective for most investors,
so the more you put in over time, the more you stand to gain

16. Protect

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How can we keep
paying the mortgage?
Protecting your wealth
How do we cover
households expenses?
Trauma, Term Life, Total and Permanent Disability cover
 Lump sum payment
 Pay off debts
 Provide investment income
What will I do for
an income??
Income protection insurance
 Monthly replacement income

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How much cover you need can change
Source Comminsure

19. Prepare

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We’re living longer than ever before
Source: ABS 3302.0, 3102.0, 3222.0; Australia’s Health 2010 (AIHW)
0 9010 20 30 40 50 60 70 80
Working life
711968
Education Working life
631928
Education Retirement
Retirement
Now
Education Working life
81
Retirement

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Preparing means planning
Timing
• When can I
retire?
• Preservation age
• Health status
Transition
• Re-set your work-life
balance
• Salary sacrificing to
super
• Accessing super while
working
Funding
• Identify your
retirement ‘goals
and dreams’
• How much do I
want/need in
retirement?
• How do I access
my money when
I’m retired?

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Preserving your wealth over time
Manage your
assets
Review your
investment
portfolio
Assess your
family situation
Estate planning
Generate an
income stream
Pension and
annuity tax
benefits
‘Cashing out’
super?
Age pension /
social security
Plan for
‘unknowns’
Future health
issues
Aged care
needs

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Our advice process
1. Fact finding: Map your financial situation and
clarify your goals
2. Plan creation: Build an investment strategy to
help you reach those goals
3. Implementation: Put your investment strategy
into action
4. Review and monitor: Review your plan’s
performance and adapt it to fit changing markets
and goals

24. Taking control

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Why Financial Wisdom?
Approved product list
with a range of
investment options
Part of the
Commonwealth Bank
Group
Professionally qualified
financial advisers and
specialists
Extensive experience in
providing financial advice
Competitive fee
structure

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How we can help
Investment strategy Super contribution
levels
Tax effective investing
Personal insurance
cover
Transitioning to
retirement

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How much will it cost me?
We give you a FSG and
explain the fees and charges
upfront
You can decide what’s best
before you incur any costs
Initial interview Designing and
implementing your planOur cost,
no-obligation
Fee for service applies

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Why not try [firm name] for yourself?
Call today for a complimentary, no-obligation appointment:
[Adviser name]
[Title] eg Financial Adviser, Senior Financial Adviser
[firm name]
Phone: <phone number>
Thank you for your time

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