If you would like to discuss the changes please contact us.

Disclaimer
Information current as at 29 November 2016 - This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. You should read the Product Disclosure Statement (PDS) before making a decision about a product
 

        Planning and Retirement Now and Then
        Changes to Superannuation.

Date: Wednesday, 27 July 2016
Time: Registration from 6pm for a 6.15pm start
Venue: Quest Apartments Hotel  Chermside, 9 Thomas Street, Chermside QLD
Light refreshments: To be served on arrival.
RSVP by: Wednesday 20 July 2016
Parking: Available at Qudos Bank, Chermside Branch car park, or alternativley on street parking near the Quest Apartments.

Stellios looks forward to meeting you and sharing his knowledge and experience on these complex areas.

Stellios, together with Qudos Bank, will be presenting "Planning for Retirement Now and Then" seminar.  Topics covered will include:

•         Planning and Retirement Now and Then
•         Changes to Superannuation.
   

The details for this complimentary seminar are as follows:

Date: Wednesday, 27 July 2016
Time: Registration from 6pm for a 6.15pm start
Venue: Quest Apartments Hotel  Chermside, 9 Thomas Street, Chermside QLD
Light refreshments: To be served on arrival.
RSVP by: Wednesday 20 July 2016
Parking: Available at Qudos Bank, Chermside Branch car park, or alternativley on street parking near the Quest Apartments.

To reserve your seat , please register online at qudosbank.com.au/seminars or call Qudos Bank on 03 9334 3300.

Stellios looks forward to meeting you and sharing his knowledge and experience on these complex areas.

SP Financial Advice is delighted to announce that we have relocated to new business premises (with on site and street parking available).

We are now at Level 1,  884 Stanley Street East,  East Brisbane.

Please note our office number will change to 07 3172 4748 following the move to our new premises, but all other contact details including e-mail, postal address and mobile number will remain the same.  Thank you for your continued support and the opportunity to be of ongoing service to you and look forward to meeting you at our new premises in the near future.

While most of us are aware of the importance of making a Will, there are other estate issues that may not be so obvious and can have dramatic consequences on family security. It's not just the wealthy all families need to plan for financial, legal, medical and child care decision making to ensure their wishes are carried out accurately.

Your will is a starting point
Even with modest assets and property, there can be severe delays, disputes and upheaval if you were to suddenly pass away without a Will. A Will clearly specifies what you want to happen and who you want to benefit if you are no longer around. The absence of a Will leaves your family in the hands of an appointed administrator who may make decisions that are not consistent with your wishes and may result in unnecessary delays and costs in estate distribution. Once in place, it is essential that it is reviewed periodically to make sure it adapts to your changing circumstances.

It is not just the elderly who need to plan for this situation. Serious and chronic medical conditions can occur at any age and can dramatically and permanently affect your ability to manage your own health decisions or financial affairs.

Enduring Guardianship can also delegate your authority to someone you trust for making critical decisions on issues such as medical treatment and nursing home care, if you are not able to yourself. These tools are there for your benefit and to help you ensure your wishes are carried out effectively and responsibly to your satisfaction.

It is a simple step to take, but can make a huge difference to their future and the peace of mind that comes from knowing your children will be well looked after is well worth it.

Ask for help to secure the future
Your adviser can be a valuable facilitator on these issues. They can refer and consult with other professionals to make sure your situation is well managed and your beneficiaries are left with security.

Disclaimer
Information current as at 28 April 2016 - This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication. You should read the Product Disclosure Statement (PDS) before making a decision about a product.