http://www.mercurywealth.com.au/ Financial planning is the process of meeting your life goals through the proper management of your finances. Your financial independence and future quality of life are vital issues that should not be left to chance. We understand this and can help you secure your future by providing tailored financial strategies designed to create and preserve wealth.

1. Mercury Wealth Management: Financial
Planner Melbourne
www.mercurywealth.com.au
Insurance
We make sure you and your family are
protected against life’s misfortunes.
Superannuation
We can assist you to save tax and have
more super at retirement.
Investment
We can help you to grow your wealth
and realise your financial dreams.
http://www.mercurywealth.com.au/

2. Retirement
We can help you retire when you want
on the income you desire.
About Mercury Wealth Management
Company Directors automatically liable – legislative changes to SGC
regime before parliament.
The government recently introduced tax legislation which is designed to protect
workers superannuation and prevent the establishment of ‘phoenix companies’
which are deliberately designed to defraud workers of their entitlements.
Importantly directors will be personally liable for their company’s failure to pay
Super Guarantee Contributions (SGC)
The ATO will be able to make an estimate of unpaid SGC where a company fails to
meet its reporting obligations.
What is interesting is that the ATO will be able to commence recovery procedures
and pursue company directors if a company fails to comply with its reporting
obligations for a period of more than 3 months and its PAYG or SGC liability
remains unpaid.
Now more than ever company directors need to ensure that they pay both their
SGC and PAYG on time to avoid fulling fowl of the new rules.
http://www.mercurywealth.com.au/

3. Financial Advisers: Tips on plans for you and their terms and
conditions particularly on how they will
Finding Reputable Ones be paid.
7. Realistic goals are the only way to go.
Try to correct them if they will promise
Money is earned through hard work not unless
you quick success. There is no such
it is a dole out. But because of the recent
thing as that. If he or she does this, it
economic problems, people are wary on who
will warn you that you should be
trust their money with. Finding financial
cautious in case you will let them
advisers is never easy but it surely can be done
handle your earnings. If what they offer
through this following tips:
you is not appealing to your taste, don’t
1. Know yourself and what you want to hesitate to look for a more professional
aim. You have limits and you have to one.
accept them. Learning how to manage 8. Communication lines between the two
your finances starts from you and an of you should be open. This refers to e-
adviser will just guide you through the mails, newsletters and maybe phone
process. calls to some. They should enlighten
2. Decide on what you are looking for an you with the current trends in the
adviser. If you can’t make up your mind, market and provide you with financial
read books that are devoted to finding review for at least once a year.
advices regarding money matters. 9. Your gut feel may tell you something
3. Look only for the ones who sell their and you must consider it especially
knowledge and expertise. Don’t go with when you do your interview for your
those who promote investments potential financial advisor. If what you
programs and companies for they will feel continues to persist, maybe it is
definitely be after the commission that true.
they will get once you take their bait. 10. Don’t go to meetings alone unless you
4. Look for someone who does not have trust your judgment. It will be good to
the character of a salesman who keeps let your wife or your partner to tag
on talking about gaining money. Opt for along with you. Women they say have
someone who has a teacher quality good intuition when it comes to
when it comes to giving advises. If you knowing a person’s character and this
have a goal in mind, he or she will just will surely aid you when you make your
give you guidelines and give you some final decision on who will give you
sound advises that will help you investment advice.
through the process.
5. A free consultation is always a good
start and a reputable money expert will Talk To One of Our
not charge for one particularly the first
meeting.
Advisers Today
6. Ask them to explain everything to you. (03) 9326 1722
It should be clear and must cover their
http://www.mercurywealth.com.au/

4. Financial Advisors – won’t overspend and which funds to dump
your money into for future use.
Trustworthy Bunch You Need to
Hire
Financial advisors are important, not saying There are lot of things that a financial
this because I know a lot of people who are adviser can tell you which you won’t find
financial advisers but because as a human about in, shall we say the internet, or on
being, I suck at managing my money. This is books. Their knowledge is learned that is a
probably true to most people and not just a given but it’s their experience that you will
few. When we have money we tend to just need to know that you’re getting the best
waste away those cash to unimportant deals available. You can be cautious, yeah
things. Sure we buy the necessities, food being careful have never been bad. You
and clothes and all those good stuff but may have heard on some news that there
aside from that we excessively buy other are financial advisors that takes advantage
things that aren’t even that useful if you of their clients so being careful is a good
think about it. We buy multiple gadgets like idea.
mobile phones, tablets, laptops, notebooks,
You need to read up on what these guys do
ultra books, and PC’s all of which serves
and how to deal with them that is for sure.
mostly the same purpose. But we buy them
It does not mean that their good at what
because we need to be hip and in the trend.
they do so you will leave things all in their
Another sad thing is that we not just buy a
hands. You must be hands on as well when
lot of the stuff like these but we also
dealing with them, it’s your money on the
upgrade them constantly when new units
line and when you invest with their help it’s
are sold.
good to know what they’re doing with your
Now it’s not saying that buying those stuff money. Still, taking the step to commit you
listed above are bad, excessively buying to hiring an investment advisor is already a
them, that is what were frowning on. If you big leap. Stop being too over excessive and
have a financial adviser, he will tell you to think wisely. Your future depends on your
invest that hard earned money you have decisions today.
into something a lot more worthwhile. Yeah
you may venture out on your own and not
hire their services but you will only grow Talk To One of Our
astray 80% of the time. With their help you Advisers Today
will know where to and what insurance to (03) 9326 1722
buy which will fit your needs. What
products to buy that will guarantee that you
http://www.mercurywealth.com.au/

5. Financial Planners Can Help You If you have a family the guidance of these
professionals is very essential. We have to
Fully Utilize Your Earnings be prepared on what is going to happen in
Most of us want to earn a lot of money and the future whether it is good or bad. They
we think that all of our financial problems will also aid you in choosing the best
will vanish once we have an adequate investment that suits your financial
amount to support our needs and pay for situation. They are skillful enough to be
our bills. Cash can be consumed fast no trusted whenever they give advice on what
matter how big it is and for this reason we you should do and they can always keep
need to manage our incomes wisely. What you on the right track even if major changes
we have now has to last for the future and in your life takes place. As their clients you
we cannot just allow hard earned cash to go have to make a good relationship with them
down the drain. Financial planners can help so that you will get the best outcome of
you manage your finances according to their service. Keep them updated about
your situation. These experts create plans your personal plan and wants so that they
that cover your cash flow, retirement, can prepare as well.
investment, monetary risks, insurance, tax Your experts have the solution for your
and even business for establishment monetary concerns but when you want to
owners. concentrate on your life after work you can
There are various reasons why the majority find a genuine retirement planner. You
needs the aid of these professionals. You cannot keep your strength as you reach the
can benefit a lot from their service in terms old age and your needs for medicine and
of your financial aspects. We are all going to other health support might rise up as well
stop earning someday when we get old and and this simply means that you will need
we must consider our payments as well as adequate cash to cover them all. It is not
our needs when that time comes. Your always that our children become successful
trusted expert can help you estimate your and are able to take care and support us
resources plus assist you in maximizing it to and for this reason we have to prepare for
have an adequate means during your lay what might happen. We should make sure
low days. Your cash flow must always be that we are always one step ahead of our
enough as long as you live because challenges.
everything in world does not get cheaper as
time goes by. We do not just secure our
own selves but also our loved ones who are
under our care. Talk To One of Our
Advisers Today
(03) 9326 1722
http://www.mercurywealth.com.au/