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.

In an age of information overload and pervasive social media it seems everyone has an opinion they want to share. Being able to discriminate between what is useful and what is fanciful is increasingly important especially when it comes to financial issues.

A little knowledge can be a dangerous thing

Ever had the temptation to jump on the web whenever you get an unusual pain to try to 'self-diagnose' what it might be? Or perhaps you have noticed a new wonder diet on your social media news feed that just happens to contradict the diet you read about last week. A little knowledge can be a dangerous thing and when it comes to the internet a lot of discretion needs to be applied to the relentless clamour of opinion and advice from sometimes dubious sources.

Be careful who you listen to
The Internet is not the only place where you may find questionable financial advice. Many of us have friends or family who feel compelled to give their heartfelt opinions on investment ideas. We open the newspaper and we are assaulted with exaggerated commentary about markets being a "blood bath" or in "free fall". Then there is the hysterical reporting on the property market.

The bottom line is that advice on critical areas of our lives should always be taken from professionals. If you have an illness you see a doctor. If you have a legal problem you talk to a lawyer. For your financial future it is always best to use a professional planner who can give you advice that is independent, well researched, takes into account your priorities and goals and provides a sober long-term view of what is right for your situation. Your adviser is committed to those principles.

Disclaimer - Information current as at 5 May 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.