Knowledge Centre

Our Knowledge Centre is designed to help you get the most from financial advice.

Covering a range of fundamental concepts, these guides present opportunities and strategies to discuss with your adviser.

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Level up your financial knowledge

Debt Management Strategies


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to debt management.
Debt management Redraw facility Debt recycling Costs and risks of reverse mortgages




Retirement Income Strategies


These documents provide provides some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to retirement income.
Account Based Pensions Transition to Retirement Pensions Term Allocated Pension Annuities Transfer balance cap Pooled lifetime income streams




Social Security Strategies


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to social security. Age Pension Aged Care Disability Support Pension (DSP) DVA Service Pension Gifting Insurance bond in a private trust JobSeeker payment Pensions Income and Assets Tests - Centrelink Strategies to increase Centrelink or DVA entitlements Waiting periods




Risk Protection Strategies


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to insurance. Income Risk Protection Term Life Risk Protection Total and Permanent Disablement - TPD - Risk Protection Trauma or Critical Illness Risk Protection




Superannuation Strategies


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to wealth accumulation (superannuation). Cash out and re-contribute to super Co-contribution Consolidate superannuation Downsizer Super Contribution Early release of super (COVID-19) First home super saver scheme Non-concessional contributions Personal deductible contributions Salary sacrifice Splitting superannuation contributions Spouse contributions Superannuation




Estate Planning


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to estate planning. Advance Care Directive Family Trusts Powers of Attorney Special Disability Trust Superannuation death benefits Testamentary Trusts Wills




Investment Concepts


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to investment concepts. Asset Allocation Child savings plans Costs and risks of derivatives Costs and risks of direct property Dollar cost averaging Insurance Investment Bonds Investment risks Managed funds Managed Discretionary Accounts (MDA) Separately Managed Account (SMA) Set and maintain a budget




Tax


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to tax. Small business CGT concessions Redundancy payments Salary packaging Tax considerations for non-residents Taxation




Business Insurance Strategies


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to business insurance. Business Continuation Insurance Business Expenses Insurance Business Succession Agreement and Funding




Gearing


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to gearing. Costs and risks of gearing Costs and risks of gearing into superannuation Costs and risks of margin lending




Self Managed Super


These documents provide some additional information to help you understand the financial planning concepts discussed in the statement of advice in relation to self-managed super funds. Commencing an SMSF pension Costs and risks of borrowing by self managed superannuation funds (SMSF) Key SMSF investment rules Limited Recourse Loan Self managed superannuation funds The SMSF Investment Strategy