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Income protection insurance


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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.

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Income protection insurance

  1. 1. Mercury Wealth Management: Financial Planner Melbourne 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.
  2. 2. Retirement We can help you retire when you want on the income you desire. About Mercury Wealth ManagementCompany Directors automatically liable – legislative changes to SGCregime before parliament.The government recently introduced tax legislation which is designed to protectworkers 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 paySuper Guarantee Contributions (SGC)The ATO will be able to make an estimate of unpaid SGC where a company fails tomeet its reporting obligations.What is interesting is that the ATO will be able to commence recovery proceduresand pursue company directors if a company fails to comply with its reportingobligations for a period of more than 3 months and its PAYG or SGC liabilityremains unpaid.Now more than ever company directors need to ensure that they pay both theirSGC and PAYG on time to avoid fulling fowl of the new rules.
  3. 3. Financial Advisers: Tips on plans for you and their terms and conditions particularly on how they willFinding Reputable Ones be paid. 7. Realistic goals are the only way to go. Try to correct them if they will promiseMoney is earned through hard work not unless you quick success. There is no suchit is a dole out. But because of the recent thing as that. If he or she does this, iteconomic problems, people are wary on who will warn you that you should betrust their money with. Finding financial cautious in case you will let themadvisers is never easy but it surely can be done handle your earnings. If what they offerthrough 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
  4. 4. Financial Advisors – won’t overspend and which funds to dump your money into for future use.Trustworthy Bunch You Need toHireFinancial advisors are important, not saying There are lot of things that a financialthis because I know a lot of people who are adviser can tell you which you won’t findfinancial advisers but because as a human about in, shall we say the internet, or onbeing, I suck at managing my money. This is books. Their knowledge is learned that is aprobably true to most people and not just a given but it’s their experience that you willfew. When we have money we tend to just need to know that you’re getting the bestwaste away those cash to unimportant deals available. You can be cautious, yeahthings. Sure we buy the necessities, food being careful have never been bad. Youand clothes and all those good stuff but may have heard on some news that thereaside from that we excessively buy other are financial advisors that takes advantagethings that aren’t even that useful if you of their clients so being careful is a goodthink about it. We buy multiple gadgets like phones, tablets, laptops, notebooks, You need to read up on what these guys doultra 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 whatbecause we need to be hip and in the trend. they do so you will leave things all in theirAnother sad thing is that we not just buy a hands. You must be hands on as well whenlot of the stuff like these but we also dealing with them, it’s your money on theupgrade them constantly when new units line and when you invest with their help it’sare sold. good to know what they’re doing with yourNow it’s not saying that buying those stuff money. Still, taking the step to commit youlisted above are bad, excessively buying to hiring an investment advisor is already athem, that is what were frowning on. If you big leap. Stop being too over excessive andhave a financial adviser, he will tell you to think wisely. Your future depends on yourinvest that hard earned money you have decisions today.into something a lot more worthwhile. Yeahyou may venture out on your own and nothire their services but you will only grow Talk To One of Ourastray 80% of the time. With their help you Advisers Todaywill know where to and what insurance to (03) 9326 1722buy which will fit your needs. Whatproducts to buy that will guarantee that you
  5. 5. Financial Planners Can Help You If you have a family the guidance of these professionals is very essential. We have toFully Utilize Your Earnings be prepared on what is going to happen inMost of us want to earn a lot of money and the future whether it is good or bad. Theywe think that all of our financial problems will also aid you in choosing the bestwill vanish once we have an adequate investment that suits your financialamount to support our needs and pay for situation. They are skillful enough to beour bills. Cash can be consumed fast no trusted whenever they give advice on whatmatter how big it is and for this reason we you should do and they can always keepneed to manage our incomes wisely. What you on the right track even if major changeswe have now has to last for the future and in your life takes place. As their clients youwe cannot just allow hard earned cash to go have to make a good relationship with themdown the drain. Financial planners can help so that you will get the best outcome ofyou manage your finances according to their service. Keep them updated aboutyour situation. These experts create plans your personal plan and wants so that theythat cover your cash flow, retirement, can prepare as well.investment, monetary risks, insurance, tax Your experts have the solution for yourand even business for establishment monetary concerns but when you want toowners. concentrate on your life after work you canThere are various reasons why the majority find a genuine retirement planner. Youneeds the aid of these professionals. You cannot keep your strength as you reach thecan benefit a lot from their service in terms old age and your needs for medicine andof your financial aspects. We are all going to other health support might rise up as wellstop earning someday when we get old and and this simply means that you will needwe must consider our payments as well as adequate cash to cover them all. It is notour needs when that time comes. Your always that our children become successfultrusted expert can help you estimate your and are able to take care and support usresources plus assist you in maximizing it to and for this reason we have to prepare forhave an adequate means during your lay what might happen. We should make surelow days. Your cash flow must always be that we are always one step ahead of ourenough as long as you live because challenges.everything in world does not get cheaper astime goes by. We do not just secure ourown selves but also our loved ones who areunder our care. Talk To One of Our Advisers Today (03) 9326 1722