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
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
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.
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Graduate Financial Guidance Program(Building Wealth through Planning – What is Financial Planning )
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Source : CPA Australia
“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
Graduate Financial Guidance Program(Building Wealth through Planning – Financial Planning Wheel )
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Source : CPA Australia
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
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
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)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
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
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Graduate Financial Guidance Program(Building Wealth through Planning)
Financial Journey
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Financial Disaster
Good Saver
Well-PlannedWinner
Positive Net worth
Negative Net Worth
?Enough for
Retirement ?
Graduate Financial Guidance Program(Building Wealth through Planning)
Financial Journey
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
Super SavingsInvestment Advice
Set Goals
Wealth ProtectionGearing Advice
Home Loan ServiceManaged Investment
Business Advice
Tax Effective InvestmentSalary Sacrifice
Managed InvestmentInvestment Loan Service
Estate PlanningRetirement Income
Role of a Financial Adviser
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
The Goal is to help you to achieve this :
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
There is no trick, no magic you only need to:
1. start early
2. be discipline
3. Regular investment plan / superannuation strategy
4. Appropriate advice from your trusted Financial Adviser
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
Why Super is one of the best Investment vehicles :
1. 9% compulsory contribution - 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)
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
We are your Trusted Financial Advisers :
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
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
The Program
1. Registration through AMM website
2. General advice through e-mail 3. News update on market, policy changes
4. Seminar on financial planning-related topics
5. Set up your regular investment plan/superannuation
6. Minimum initial set up fee
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Age
$ Wealth
6020 4030 50
Well-PlannedWinner
Changing jobsHigh salary increaseHolidaysEntertainmentSavings
Career upwardMarriageChildrenDream Home
Building WealthChildren EducationHome RenovationSecond Property
Prepare for RetirementDownsizingChildren grown upLifestyleInvestment
How to Proceed :
1. On-line registration through AMM website
2. Keep us informed your work status
3. Normally $1,000 initial investments
4. Regular Investments / Super Contributions
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Case Study – Super Power
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%
Graduate Financial Guidance Program(Building Wealth through Planning)
Professional Investment Services Pty Ltd.A.B.N. 11 074 608 558Australian Financial Services Licence No. 234951
Ivan LeeAuthorised Representative
Australian Money Masterswww.money-masters.com.au
Case Study – Super Power
SalarySalary at today's $
Super Contribution
Salary Sacrifice
%Salary
Sacrifice EarningsSuper
ClosingToday's Dollar
Yr 1 $35,000 $34,146 $2,678 10% $2,975 $212 $5,864 $5,721
Yr 2 $38,500 $36,645 $2,945 10% $3,273 $673 $12,755 $12,141
Yr 3 $42,350 $39,326 $3,240 10% $3,600 $1,213 $20,808 $19,322
Yr 4 $46,585 $42,204 $3,564 10% $3,960 $1,843 $30,174 $27,336
Yr 5 $51,244 $45,292 $3,920 10% $4,356 $2,573 $41,023 $36,259
Yr 36 $338,776 $139,269 $25,916 25% $71,990 $222,371 $3,236,264 $1,330,408
Yr 37 $350,633 $140,627 $26,823 25% $74,510 $246,520 $3,584,116 $1,437,471
Yr 38 $362,905 $141,999 $27,762 25% $77,117 $272,742 $3,961,738 $1,550,168
Yr 39 $375,607 $143,385 $28,734 25% $79,817 $301,201 $4,371,489 $1,668,778
Yr 40 $388,753 $144,784 $29,740 25% $82,610 $332,075 $4,815,914 $1,793,594
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