However, there are caps on both these types of contributions which vary depending on your age. Death cover provides a lump sum to your beneficiaries if you die. Trauma cover provides a lump sum if you’re diagnosed with a medical condition or undergo a procedure outlined in your policy. Obtaining that first customer can sometimes be a long, arduous battle. You can also contact us or AMP if you do not wish to receive information about products, services or offers available from us or AMP from time to time. Request Disclosure Statement. Joint Dealer-Principal, James Frizelle’s Automotive Group And super funds are set up as trust funds. Comprehensive help to protect your business and people, A New Era For Trusts | The Trusts Act 2019, Eat your broccoli: 3 approaches for investing cash on the sideline, What to do when investment markets experience heightened volatility. They can benefit you in two ways: This type of loan is often used to help build long-term wealth. Would you be able to meet your financial commitments without your regular income? They are a firm to be trusted and listened to. AIA has enhanced its Quick Quote tool, which it says provides an opportunity to attract new, more qualified customers. Even through the GFC, our wealth progressed under the guidance of Advice First. They can be made from your: Generally, concessional contributions (made from pre-tax income) attract a contributions tax of 15% (or 30% if you earn over $300,000 pa), which can be significantly lower than your marginal tax rate. Super offers competitive insurance. What information will you need when you meet with us? I was delighted to leave the large corporate environment where it was all about “product sales”, to join a boutique business that genuinely puts the interests of the client first. You may request access to your personal information at any time by calling us or contacting AMP on 1300 157 173. post-tax income (non-concessional contributions). Chairman of Gold Coast Titans. I have been working in the finance industry for over 8 years both in commercial finance and financial planning. Information collected will be subject to AMP's Privacy Policy. But you can’t specialize here with 1 or 2 reps. Reps #4 and #5 is usually about as early as you can start to do this. Super is becoming more flexible with more strategies and ways to reach your retirement goals: The government’s co-contribution scheme is designed to help low to middle income earners get more into their super. It’s restricted as you generally can’t withdraw from super until you retire or reach your preservation age (that’s the intention, although there are special conditions of release). Our Finance Specialist (Lisa Forbes) has over 25 years’ experience in personal and commercial lending. The interest cost may be tax deductible, helping to minimise any tax. Discover how AdviceFirst can help you, as a business. Wealth protection is all about reducing the risks associated with wealth accumulation and the protection of what you have already acquired. Their life insurance products will already have changed hands with the sale of the AMP life business to Resolution Life. This cover can help you pay for medical expenses, repay major debts and help provide for your future. Discover how AdviceFirst can help you, as an individual. AdviceFirst advisers deal in both insurance and investments. Whether it’s funding a child’s education, a new house, holidays, or helping guarantee the retirement you want. The IPO, subject to market conditions and regulatory approvals, would include AMP’s KiwiSaver, corporate superannuation, the investment business, AdviceFirst and other distribution agreements such as AMP general insurance. From senior managers through to business owners, we offer comprehensive help. Their care and consideration for customers is outstanding and an example to others. Others take out special investment loans – often called margin loans. If you have built up equity in your home or investment portfolio, you may be able to borrow against this equity. Welcome to Advice First – one of Queensland’s oldest and largest privately owned financial advice firms. Having a financial safety net in the event of sickness, disability or death can help ensure you and your family are protected during a difficult time. We are fully licensed finance brokers and are accredited with dozens of leading lenders. The time was right for me to take some time out of my career to return the favour and provide the support she needs to build her own business. My wife put her own career on hold when we started our family and did an amazing job of running our household whilst also supporting me during my 13 career at Advice First and on top of all that, she started a holiday home rental management business that really took off. You might have to offer more security or even sell some of your asset holdings at current prices to bring your gearing down to the right level. My entire financial life resides with them. To find out more about how we can help you, click on the service you’re after below. When done correctly, investing in property can be hugely rewarding, which is why doing your homework before jumping in is well worthwhile. Through our investment advice, we’ll help you increase and manage your wealth. You build up super while you are working to make sure you can have a comfortable retirement. Our focus is on listening, understanding, and caring about your concerns and providing you with an individual level of service. I have complete trust and faith in their ability to look after my families future from a financial perspective. I am currently on an 18 month leave-of-absence from my role at Advice First. Your privacy is important to us and AMP Financial Planning which is part of AMP. Super receives special tax treatment compared to your other money. In late 2019, I joined the Advice First team as a Financial Adviser. We offer specialist financial advice to clients throughout New Zealand. He said all parties were keen to work together “to find a way forward” and Resolution had made it clear that it wanted to be in the New Zealand market for the long-term. There is no contributions tax on non-concessional contributions (made from post-tax income). A decision has yet to be made on whether to list on the NZX alone or consider a dual-listing with the ASX. There are different tax treatments on lump sum payments depending on the size of the benefit and the age and service period of the member. The AdviceFirst Way. Written by Andrew Stewart - Partner, Morrison Kent The long-awaited Trusts Act 2019 will come into effect on 30 January 2021. I was delighted to leave the large corporate environment where it was all about “product sales”, to join a boutique business that genuinely puts the interests of … Without a buyer found for the Kiwi wealth business, the financial services provider is opting instead for a sharemarket listing. With Death, Total Permanent Disablement and Trauma cover you can: You insure your car, the family home and even your health – so why not your ability to earn an income. Take the financial pressure off and give yourself time to recover, should you experience one of the traumatic events listed in our trauma cover, including cancer, stroke, heart attack and coronary artery surgery. Advice First is like part of my family. At that time I worked alongside my husband in our own financial services business based in Melbourne specialising in superannuation. Generally speaking, it is better to reduce this type of debt as quickly as possible and try to repay those charging the highest interest rate first. Business Overheads Insurance helps you meet your ongoing business expenses by reimbursing eligible business overheads as a monthly amount if you are too ill or injured to work. My focus is helping people - working to deliver the right advice, for the right reason, at the right time. Anyone involved with a trust now has until that date to prepare for the changes. It has truly been one of life’s great joys and journeys to see my own small business grow up to become one of Queensland’s largest and most well respected financial advice firms. Should Australian financial advisers be allowed into NZ? Efficient debt is used to buy assets with the potential to grow in value and generate an income. Professional guidance from AdviceFirst can be the difference between achieving your lifetime goals or not. Our role is not just to find you the lowest interest rates (although we will certainly do that), it is to ensure that there is a match between your lending requirements and the product you choose. They are completely focused on insurance advice that works for you. We want to understand exactly what you want to achieve in life and provide you with strategies and techniques to guide you towards your goals. Many trusts in New Zealand are passive asset holding... We know what is good for us, but do we always do it? “Before doing anything about your Home Loans & Commercial Finance … seek ADVICE FIRST, by contacting us today”. Recover with peace of mind knowing that, if you are unable to work due to injury or illness, your business overheads insurance will reimburse your business expenses such as: “Before doing anything about your life insurance & income protection … seek ADVICE FIRST, by contacting us today”.

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