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Your health

Why it’s time to talk health with your financial adviser













If I had to guess, I wouldn’t say you spent part of your weekend reviewing your health cover. But life moves fast, and chances are your health insurance hasn’t been keeping up.

Recent government changes across the entire Private Health Insurance sector are making it more affordable, easier to understand and easier to compare for many Australians, whatever stage of life you’re at.

Of course, there are many factors at play in deciding when and why to review your cover, like age, family status or financial change.

As a financial adviser, I understand that protecting financial wellbeing is important, but it’s also important to ensure you have the right cover for your health and wellbeing too.

There are also discounts available when you review your health insurance through your financial adviser, that’s why it’s a great time to review your health insurance today.

Over the coming months, we will be sharing with you some of the key regulatory reforms of Private Health Insurance and how they could benefit you and/or your family at each stage of life. So stay tuned!

If you have any questions or want to learn more about recent reforms to Private Health Insurance, please don’t hesitate to contact us and talk to one of our Advisers.


Are you about to retire?

It might be time to review your health insurance cover.












Are you paying for health insurance cover your family really needs?

It might be time to review your health insurance cover.











Prepare For Life Winter 2019


Buy Now, Pay Later

By Peter Kelly, Retirement Strategies and Solutions, Centrepoint Alliance

Did you know that Australia’s household debt nears the highest in the world?

While governments use retail spending as an indicator of economic ‘health’, the sad reality is that personal debt and the lack of savings are likely to be a major cause of mental health issues amongst individuals and families.

It is not all that long ago that if we wanted to buy something, we put money aside for it and when we had saved enough, we went and bought the item.

People borrowed money for a house and often for a car, however cash was used to buy everyday consumer items like furniture, electronic, clothes, and holidays.

For those that wanted to guarantee they got what they wanted, layby was used to enable payment of the goods in instalments before they could be taken home…….Continue reading


Loans and Encumbrances – A Pension Minefield

By Mark Teale – Retirement Strategies and Solutions Specialist, Centrepoint Alliance

For many people, being debt free at retirement is one of their long-term goals.

Others find the concept of ’good’ debt in retirement less stressful. From an age or service pension perspective the correct structuring of the ‘good’ debt is most important to ensure any entitlement that you may have to the pension is not adversely affected.

When it comes to loans and encumbrances, the Social Security Act 1991 (Cth) is complicated and, in some cases, a little illogical. It is very important to understand that the taxation rules about debt are not necessarily the same as the social security rules.

For example, real estate investments.

Say you see a unit on the market that seems like the ideal investment for you – and the opportunity to earn extra income seems too good an opportunity to miss. You visit your bank or your mortgage broker to enquire about an investment loan.

Your lender is happy to fund your investment, but they need to secure the loan against your residential home as well as the investment property.

From a taxation and a social security income perspective this is not an issue as in both cases the interest payable is deductible from the rent for the purposes of your tax and pension assessment……… Continue reading


The Eighth Wonder of the World

By Peter Kelly, Retirement Strategies and Solutions, Centrepoint Alliance

When saving for a long-term goal, such as retirement, is it better to save small amounts for a long time, perhaps saving when we can ill-afford to? Or, are we better off waiting until later and putting larger amounts aside when it is more affordable?

This question has plagued society for decades.

So, let’s look at both sides of the debate and put some simple figures together.

At the outset, some ground rules:
• The rate of return used is after deducting fees, tax, and charges
• All projections are expressed in 2019 dollars
• Inflation has not been considered. However, this can be managed by increasing the amounts saved in line with inflation
…… Continue Reading


Insurance – Protecting what you have

By Mark Teale – Retirement Strategies and Solutions Specialist, Centrepoint Alliance

When you’re buying a car or planning a holiday, insurance is probably the last thing you want to think about. But having a good insurance policy can make all the difference to your pocket – especially if the unexpected happens and you need to make a claim.

Here are some ideas:

Shop around
Don’t just accept the insurance policy that is offered. The car dealer or travel agent may be getting a commission for selling insurance policies. Comparison sites make it easy for you to compare prices. Before you commit and sign a policy, make sure you understand what is and isn’t covered. Some travel insurance policies will not cover you for extreme sports (like bungy-jumping or white-water rafting). Make sure you choose the policy with the right coverage for you and your circumstances, or you could end up with hefty expenses to pay.

Think about insurance before you choose your car
If you are buying a car, check what insurance will cost. You might think that, if two cars cost the same amount to buy, they would cost about the same amount to insure. But the cost of insurance often depends as much on the type of car, as it does on the how much you paid……. Continue Reading


Disclaimer: This article contains general information only. The information contained in this article is not designed to be a substitute for professional advice as such a brief guide cannot consider and cover all individual needs, objectives, circumstances and conditions applying to the law as it relates to these items mentioned in this article. No responsibility can be accepted for errors, omissions or possible misleading statements or for any decisions or actions taken as a result of any material in this communication. Appropriate expert advice should always be considered from a professional financial adviser prior to making any financial decisions.