Garvan Understanding Series

Business Insurance

• Business Continuation Insurance
• Business Expenses Insurance
• Business Succession Agreement and Funding

Understanding Tax

• Small business CGT concessions
• Redundancy payments
• Salary packaging
• Tax considerations for non-residents
• Taxation

Debt Management

• Costs and risks of reverse mortgages
• Debt management
• Debt recycling
• Redraw facility

Estate Planning

• Advance Care Directive
• Family Trusts
• Powers of Attorney
• Special Disability Trust
• Superannuation death benefits
• Testamentary Trusts
• Wills

Gearing

• Costs and risks of gearing ​
• Costs and risks of gearing into superannuation
• Costs and risks of margin lending

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
• Separately Managed Account (SMA)
• Set and maintain a budget

Insurance

• Asset Allocation
• Child savings plans
• Costs and risks of derivatives
• Costs and risks of direct property

Retirement Income

• Account-based Pensions
• Annuities
• Transfer Balance Cap
• Transition to Retirement Pension

Self Managed Super

• 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

Social Security

• Age Pension
• Aged Care
• Disability Support Pension (DSP)
• DVA Service Pension
• Gifting
• Insurance bond in a private trust
• Newstart Allowance
• Pension Income and Assets Tests - Deparatment of Human Services
• Strategies to increase Department of Human Services or DVA entitlements
• Waiting periods

Superannuation

• Cash out and re-contribute to super
• Co-contribution
• Consolidate superannuation
• Downsizer superannuation contribution
• First home super saver scheme
• Non-concessional contributions
• Personal deductible contributions
• Salary sacrifice
• Splitting superannuation contributions
• Spouse contributions
• Superannuation