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Graduate Financial Guidance Program (Building Wealth through Planning)

Graduate Financial Guidance Program (Building Wealth through Planning). What is Financial Planning Who we are Australians’ Debt Problem The Financial Journey Role of a Financial Adviser The Program The Process Case Study. Ivan Lee Authorised Representative

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Graduate Financial Guidance Program (Building Wealth through Planning)

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  1. Graduate Financial Guidance Program(Building Wealth through Planning) What is Financial Planning Who we are Australians’ Debt Problem The Financial Journey Role of a Financial Adviser The Program The Process Case Study Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  2. Graduate Financial Guidance Program(Building Wealth through Planning) Disclaimer : The information contained in this presentation is by way of general information only and has been prepared without taking into account any person’s individual objectives, financial situation or needs. Before making any decision to act on recommendations in this presentation, a person should consider the appropriateness of the information to their individual objectives, financial situation and needs and if necessary seek advice from a suitably qualified professional. Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  3. Graduate Financial Guidance Program(Building Wealth through Planning – What is Financial Planning ) “Financial planning is a holistic approach to planning for your financial future. It is about setting short and long-term goals and developing strategies to achieve those goals” Source : CPA Australia Source : CPA Australia Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  4. Graduate Financial Guidance Program(Building Wealth through Planning – Financial Planning Wheel ) Source : CPA Australia Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  5. Graduate Financial Guidance Program(Building Wealth through Planning – Who we are ) Financial Advisers CPA – Business Consulting Lending Consultants PIS – largest Advisers Network Work closely with Accountants Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  6. Graduate Financial Guidance Program(Building Wealth through Planning) Australians’ Debt Problem Strong economy for the past 10 years Unemployment dropped to 5.3% Low interest rate/inflation rate Rising household income; but Australians savings ratio dropped from 10% in 70s to -2.3% in 2005 RBA – Australians doubled their debts in the past 5 years (National Centre for Social and Economic Modelling) Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  7. Graduate Financial Guidance Program(Building Wealth through Planning) Australians’ Debt Problem Where has the money gone ? No Budget / No Cash flow Planning Spending instead of Investing Creating Liabilities instead of Assets The Power of Compound Interest Lack of awareness of Financial Planning and Financial Literacy Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  8. $ Wealth Graduate Financial Guidance Program(Building Wealth through Planning)Financial Journey Well-Planned Winner Positive Net worth ? Good Saver Enough for Retirement ? Age 20 30 40 50 60 Financial Disaster Negative Net Worth Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  9. $ Wealth Graduate Financial Guidance Program(Building Wealth through Planning) Financial Journey Well-Planned Winner Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  10. Role of a Financial Adviser Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth Estate Planning Retirement Income Well-Planned Winner Tax Effective Investment Salary Sacrifice Managed Investment Investment Loan Service Wealth Protection Gearing Advice Home Loan Service Managed Investment Business Advice Super Savings Investment Advice Set Goals Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  11. Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth Well-Planned Winner The Goal is to help you to achieve this : Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  12. There is no trick, no magic you only need to: Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth Well-Planned Winner 1. start early 2. be discipline 3. Regular investment plan / superannuation strategy 4. Appropriate advice from your trusted Financial Adviser Age 20 30 40 50 60 Prepare for Retirement Downsizing Children grown up Lifestyle Investment Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  13. Why Super is one of the best Investment vehicles : Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth Well-Planned Winner 1. 9%compulsorycontribution - employer 2. Salary Sacrifice to lower personal marginal tax 3. Super earnings are taxed at maximum 15% 4. Allow personal contribution – un-deducted 5. Pension phase earnings tax free 6. Super/Pension Pay-out – tax free (subject to legislation 2007) Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  14. We are your Trusted Financial Advisers : Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth Well-Planned Winner 1. PIS/AMM has the largest Financial Advisers Network 2. Full Services suite :Investment, Risk, Super, Lending, consulting 3. Long term relationship – gain your trust 4. Remuneration based on your future success Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  15. The Program Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth 1.Registration through AMM website 2.General advice through e-mail 3.News update on market, policy changes Well-Planned Winner 4.Seminar on financial planning-related topics 5.Set up your regular investment plan/superannuation 6.Minimum initial set up fee Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  16. How to Proceed : Graduate Financial Guidance Program(Building Wealth through Planning) $ Wealth 1. On-line registration through AMM website Well-Planned Winner 2. Keep us informed your work status 3.Normally$1,000 initial investments 4. Regular Investments / Super Contributions Age 20 30 40 50 60 Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  17. Case Study – Super Power Graduate Financial Guidance Program(Building Wealth through Planning) New Graduate Starting Salary : $35,000 Salary Adjustments : 10%, 9% and 3.5% p.a. (during the work life) Salary Sacrifice : 10% to 25% in 40 years at various stages Inflation : 2.5% Investment returns in Super : 7.5% p.a. (after tax) Contribution Tax : 15% Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

  18. Case Study – Super Power Graduate Financial Guidance Program(Building Wealth through Planning) Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951

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