How does your wheel look?

1. RI Advice Lower Hunter
Adele Martin
<Adele Martin is an Authorised Representative of RI Advice Group Pty Ltd

2. • We are financial coaches
• 3 business partners
– Gil Gordon
– Chris Neal
– Adele Martin
• Offices in Adamstown and Maitland
• 60 million in funds under management
• Certified Financial Adviser (CFP)
• Our clients get rich slowly
RI Advice Lower Hunter
Who are we
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3. • Brooke cares deeply about her staff
• You can benefit from financial coaching
Why are we here today?
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4. What does your wheel look like?
Financial Wheel of Life
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Taxminimisation
Insurance
EstatePlan
Superannuation
Financial Goals
Wealth Generation
CashflowManagement
Debt Management

5. Tax
Financial Wheel of Life
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• Proactive with your tax planning?
• Professional review to see if there are ways to legally minimise tax?
• Have you ever been late with your tax return?
• Do you have trouble finding things at tax time?
• Are your investments structured in a tax effective manner?

6. Insurance
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• Do you know exactly what insurance cover you and your partner have?
• If you become disabled or seriously ill tomorrow could you still pay your mortgage and service
your debts?
• Do you have enough insurance to cover your family’s needs should something happen to you?

7. What If – chance of insurance claim
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8. Estate Planning –more than a Will
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• Will?
• Tax?
• Super?
• Can someone sign for you if your sick?
• Are you leaving your family a mess?

9. Superannuation
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• Appropriate investment option
• Fees
• Multiple superannuation funds
• Do you take advantage of the governments tax incentives to contribute to super?
• Pay off house Vs contribute to super
• Do you have enough to support the retirement lifestyle you would like?
• Is a Self Managed Super Fund (SMSF) right for you?

10. Financial Goals – understanding the impact of your decisions
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• Renovations
• New house
• Time out of the workforce for family
• Education funding
• Holidays
• New cars
• What does retirement look like?

11. Cashflow management - do you
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• Ever wonder where the money goes?
• Have credit card debt?
• Disagree with your partner about money?
• Feel guilty spending money?
• Never have enough for a holiday?
• Worry you wont have enough to pay bills or mortgage?

12. Debt
Financial Wheel of Life
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• Is your interest rate competitive
• Fixing Vs variable interest rate
• What fees are you paying
• Principle and Interest (P & I) Vs Line of Credit
• Does and offset account make sense for you
• Have you got separated your investment debt

13. Wealth Generation
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• Shares
• Investment Property
• Superannuation
• Business
• Cash
• When is the right time to start?

14. Wonky Wheel
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3 Choices
• Do nothing
• Do it yourself
• Let us help

15. What can you expect
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• No charge for the first appointment
• At the end of our first meeting we see:
– if we are the right fit,
– if we can help; &
– costs
• Does anyone have any questions?
• Copy of today’s presentation is available on my LinkedIn profile – Adele Martin

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Disclaimer
Important Notice
RI Advice Group Pty Ltd, ABN 23 001 774 125, holds Australian Financial Services Licence Number 238429 and
is licensed to provide financial product advice and deal in financial products such as: deposit and payment
products, derivatives, life products, managed investment schemes including investor directed portfolio services,
securities, superannuation, Retirement Savings Accounts.
The information presented in this seminar is of a general nature only and neither represents nor is intended to be
specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically
on the basis of the information contained herein but should obtain appropriate professional advice based on their
own circumstances.
RI Advice Group Pty Ltd | ABN 23 001 774 125 AFSL 238429