Partnering with our advisers we received an impressive 11,615 responses from their clients, including more than 12,000 verbatim comments, clearly indicating the high regard, engagement and loyalty advised clients have with their advisers.

key benefits clients experience from receiving advice.
It helps clients to identify, prioritise and achieve financial and personal goals, and provides increased overall personal wellbeing.

when clients receive financial advice it helps to alleviate stress, hassle and provides them with a greater peace of mind when it comes to achieving their financial goals.

Financial advice provides much broader benefits than financial ones including improved mental health, better family life, better social life and improved physical health compared to those that have not received financial advice.

What they dont tell you!!

We are currently in the actioning of a financial plan which means to act in his best interest we need to know exactly what the client has today.

He does have a very good Income protection & life cover placed by another adviser.

All very good & it retains cover when cashflow is sad during the not uncommon months of unemployment.

However it is drawn 90% from his equity in his super which means a lot less in retirement capital.

On 3/09/2020 9:34 am, J***** wrote:
>
> Hi John,
>
>  > Some exciting news. L***** age pension has finally been approved!
>
> Not only will he be receiving payments from 14th September, but payment has been backdated to January, when the original claim was submitted (and which Centrelink lost)

How long do you want to be under some form of care???

Not one extra day IMHO

Not well is very expensive.

eg As i was talking with a manager this week im very aware that in his early 60s he has had to renovate his bathroom to have it level so he can push is stroller around.

He has told me that it cost 30k.

Life style is expensive & self discipline & prevention is so much smarter.

eg the sparkie we meet only this year aged 36 who has had a TPD payout of 400K for chronic fatigue.

That won't earn much or go far & when he was FIFO earning plenty then his lost future earnings is millions.

Let me know if you want to move forward & get serious.

John

Complying with the best interests duty

RG 175.267 Section 961B(2) provides a ‘safe harbour’ for advice providers.

If an advice provider can show that they have taken the steps in s961B(2),
they are considered to have complied with the best interests duty.

Book a free 10 minute call and learn insights from our work with clients over the past 36 years

RG 175.268 The safe harbour requires an advice provider to:

(a)identify the objectives, financial situation and needs of the client that were disclosed by the client through instructions;
(b)identify

:(i)the subject matter of the advice sought by the client (whether explicitly or implicitly);

and

( ii)the objectives, financial situation and needs of the client that would reasonably be considered relevant to advice sought on that subject matter (client’s relevant circumstances);

(c)if it is reasonably apparent that information relating to the client’s relevant circumstances is incomplete or inaccurate, make reasonable inquiries to obtain complete and accurate information


Book a free 10 minute call and learn insights from our work with clients over the past 36 years

#financialadviser #financialadvisor #financialwellbeing #financialplanner #financialfitness
What’s your strategy going to be for making sure this doesn’t happen?

Contact today if you want to move forward & not stay where you are.

John

Get Sorted

“Retirement This is a topic that bamboozles many adults, with 13 per cent unsure of what their main sources of income would be in retirement, and another 30 per cent having no idea how much money they’d need to saved or invested to have a comfortable retirement.”

so we read from an online NZ Stuff article titled “Third of adults would fail school money course for teenagers”

and it continues with “About a third of adults would benefit from going back to school to do a new taxpayer-funded money management NCEA course designed for their children.

The Sorted for Schools NCEA course for children aged 14-17 was created by the Commission for Financial Capability (CFFC), but its research indicates many adults lack the money management, saving, debt, goal setting, insurance, investing, KiwiSaver and retirement skills it's designed to teach to secondary school children”.

The results in Australia are no different when 76% of retirees require some form of government support.

In 2020 this has been demonstrated with 2 million requesting funds for their super as they were not prepared for the inevitable “Rainy Day”.

Now is the time to take a 5 min financial check up & ‘Get Sorted’.

John McAuliffe


Hi I quickly wanted to wish you a Merry Christmas.


Stay well and enjoy the holidays.


Looking forward to catching up in the New Year.


https://youtu.be/odpTPmT3HVI


John


What can we do as financial advisers?

What we are paid to do.

Advise.

Crisis
People suffer crisis all the time.

1. 
as only in this last 1 hour i chatted with a man who sadly lost his wife earlier this year & still not resolved with the Public trustee

& he  estimates the  cost closer to 10k & not the 7k they estimate
 
Lets save time & stress later by actioning today
 
here is the link to do from your couch this w/e and estate specialists selected as best in class in the state

(1) The provider must act in the best interests of the client in relation to the advice.

‘Safe harbour’ (2) The provider satisfies the duty in subsection (1), if the provider proves that the provider has done each of the following:

                    (a) identified the objectives, financial situation and needs of the client that were disclosed to the provider by the client through instructions;

                    (b) identified:


Book a free 15 minute call This email address is being protected from spambots. You need JavaScript enabled to view it. from our work with clients over the past 36 years.

John Michael McAuliffe AFA, DipFp., BSc., DipTeach.

John is a Premier Wealth Coach & Financial Strategist. John McAuliffe Authorised Representative No.238629 of The Financial Link Group Pty Ltd