Issuu on Google+

Mercury Wealth Management: Financial Planner Melbourne www.mercurywealth.com.au

Insurance We make sure you and your family are protected against life’s misfortunes.

Superannuation Investment We can help you to grow your wealth and realise your financial dreams.

http://www.mercurywealth.com.au/

We can assist you to save tax and have more super at retirement.


Retirement About Mercury Wealth Management We can help you retire when you want on the income you desire.

Company Directors automatically liable – legislative changes to SGC regime before parliament. The government recently introduced tax legislation which is designed to protect workers superannuation and prevent the establishment of ‘phoenix companies’ which are deliberately designed to defraud workers of their entitlements. Importantly directors will be personally liable for their company’s failure to pay Super Guarantee Contributions (SGC) The ATO will be able to make an estimate of unpaid SGC where a company fails to meet its reporting obligations. What is interesting is that the ATO will be able to commence recovery procedures and pursue company directors if a company fails to comply with its reporting obligations for a period of more than 3 months and its PAYG or SGC liability remains unpaid. Now more than ever company directors need to ensure that they pay both their SGC and PAYG on time to avoid fulling fowl of the new rules.

http://www.mercurywealth.com.au/


Financial Advisor in Melbourne: Helping You Secure Your Future Financial planning is such a delicate matter. For you to be able to secure your monetary future, you need a financial advisor in Melbourne. Sometimes, we can’t even trust ourselves from saving our own money and keeping track of our income and expenses because most of us spend a lot. Some even spend more than what they earn. We need someone who can be trusted to take care of our funds and will know how and where to invest it so that it can grow. This is where the role of a financial advisor comes in. If you are tired of managing your finances, when you don’t know where all of your money goes, then you certainly need the help of a financial advisor in Melbourne. You just need to be meticulous in finding the best person to work with and someone whom you can really trust with taking good care of your finances. You must look for someone who won’t take advantage of you and who is just after their pay rather than http://www.mercurywealth.com.au/

helping you. Now here are some things that you should know. Qualifications and Experience There are advisors who work for a firm and there are those who work independently. Whatever you choose, you need to ask for their qualifications and credentials. You must ensure that they have the right papers to practice giving financial advice to people. After you have secured their qualifications, you can ask or research about their background and experience. Know how long they have been operating and ask for the names of their previous clients. If they have worked with a big organization, then it is a good sign. You can then ask for their impression or reviews about the service that were given to them by the advisor if they are impressed or not. Referrals One thing that can ensure you of the legality of the firm or individual you want to hire is if they are referred by someone, someone you know well. Most likely, you are not the only person who is undergoing this financial dilemma. There are a lot of people out there who have experienced


financial problems are learning from their experience can be beneficial to you. Ask them to recommend you to someone they know. Look it up Online If you don’t know where to start looking and asking the people around you is not an option, you can look for a trusted one over the internet. All you need to do is search “financial advisors Melbourne” and you will get targeted results in your area. What’s good about looking online is that you can take a look at their websites and read the different reviews and testimonials of those people they have worked with.

Talk To One of Our Advisers Today (03) 9326 1722

Retirement Planner: Planning for Your Future The world today offers so many beautiful things. Whatever your interest is, whether they are gadgets, sports, shopping, or any outdoors activities, you can find something that will make your hobbies or interest more fun. We spend a lot of time thinking about what can make us happy at the moment. There is absolutely nothing wrong with this idea but we tend to forget planning for our future. What can you do when the time comes that you are no longer capable of doing the things that do you, when you are no longer able to work? What will happen to you when it is time to retire? You have a retirement planner to help you secure your future.

http://www.mercurywealth.com.au/

What you need to understand that it is never too early to start planning for your retirement. It doesn’t matter if you are 50 or 20 years old. The earlier you start, the better because if you plan to escape from your work as soon as you can and enjoy more what life can offer, you need to prepare and come up with a plan on how you can do so. This is what having a retirement planner can ensure you, that you will have a peace of mind later. Here are what you should consider when you are planning because this will most likely affect your retirement plan. Age at the Present You must take into account your current age. Just like any of your plans, you need a start and an end point. The longer time you have, the better you can prepare for it. For a solid foundation, make sure you have at least 5 to 7 years before you retire. It would be even better if you can give it at least 10 years when you begin your plan. Preferred Age of Retirement Another factor that should be put into consideration is when you actually want to retire. The most common age is between 55 to 65 years. But that would always depend on where you are, what country and state you are living. Income How much you are earning is a big factor to your plan. The bigger your salary is, the bigger you can save until you reached your desired amount that can secure a comfortable future. If you set aside more than your budget every month, you will surely reach your goal sooner. If you are decided to pursue this, you need to make sure that you have a stable income for the years to come. Annuals Raise and Bonuses If you are stable in your job and have a secure position in your company, then you have a lot of money to set aside. If you are really determined to pursue your retirement plan,


have a better future and live the rest of your life stress-free, then do what you can to reach it, even making a few sacrifices. If you need help, don’t hesitate to look seek for professional help from financial planner in Melbourne.

Talk To One of Our Advisers Today (03) 9326 1722

What Financial Services Are Offered By a Consultant? There’s a worldwide economic crisis that brings us to regulating our every day expenses. Business today is more complex than centuries ago because of different types of risks we encounter. We should think twice in investing our money wisely, but how? Many are primarily scared of hiring a consultant for financial services due to the extra cost in mind. Let this article help you realize some elements that they can help you balance your financial success. It is time to break free from these economic worries. We need to take control of our personal debt and improve the quality of life. The question is this: in what times do we need their financial services? It is really necessary to hire them in order to help us weigh our options in dealing with financial investments. They can discuss matters related to saving, insurance, taxes, http://www.mercurywealth.com.au/

investing, real estate property management, stocks and bonds, and even retirement. If you are in one way or another unable to handle planning in these areas, you should consider hiring one. They can prepare personal statement of assets and liabilities, advice on proposal insurance offered, keep your tax payments at the lowest cost in accordance to the law, prepare legal financial documents for your protection, and also create a plan for client’s heirs in the event of death. When looking to hire for their services, a consultant should always put your best interest first. You can always consult books that involve money making deals; however, a personal monetary expert would give more than just advice. They have first-hand experience on how the economy plays. They would immediately update you with the latest trends in the business world. When choosing the right planner, let him see you personally and your current economic status. Select a planner who matches your goals and objectives in a specific area. Learn how they should get paid; fee-based with commissions on assets or fee-only without commissions more like a referral fee. Balancing your income can be hard when you don’t follow the basic principle of spend after you save. These financial planners are here to make you realize where your income should be placed more. We don’t want to die and leave incrementing debts to our children. Ask for recommendations from your friends or


business partners for a good adviser. Plan on how both of you can achieve your goals and future plans. Discover how they can change your money outlook and deal with your debts and not lose your highly protected assets.

Talk To One of Our Advisers Today (03) 9326 1722

http://www.mercurywealth.com.au/


Financial Planners - financial advisor