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Mythbusting insurance

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Most people wouldn’t dream of taking their car on the road without car insurance or living in a house without home and contents insurance. But when it comes to taking up insurance to protect their life or income, most Australians act indifferently.

Common reasons for not taking up insurance are a lack of knowledge, a belief that insurance is too expensive and the age-old ‘it won’t happen to me’ mentality. If this sounds like you, it’s worth taking a moment to consider your insurance needs. The peace of mind this will give you is well worth the effort.

Myth #1: It’s too complicated

If you’re new to insurance, it may seem complicated. There are all sorts of different products, acronyms and official-sounding terms. To help make things clearer below is a snapshot of the typical types of insurance available to you.

Type: Death (AKA Life or Term life)
Death cover provides your family with financial security if you die. If you die, your insured benefit may be paid to your beneficiaries, as nominated on your superannuation account or will.

Type: Total & permanent disablement (AKA TPD)
Total & permanent disablement cover provides you and your family with financial security by paying a lump sum if you become totally and permanently disabled and are unable to ever work.

Type: Income protection (AKA Salary continuance)
Income protection cover provides you with a regular monthly income if you are unable to work and earn your income.

Type:Critical illness (AKA Trauma)
Critical illness provides you and your family with financial security if you are diagnosed with a life-threatening illness like cancer, heart attack or stroke. Unlike TPD, there is no need to prove disablement, only that you have suffered one of the specified medical conditions.

Myth #2: It’s too expensive

Value is relative and depends on what is important to you. But when you have dependents, it’s hard to argue that the right insurance cover is anything but money well-spent. The ability to sleep better at night knowing that everything is taken care of is priceless.

Besides, insurance doesn’t have to be exorbitant. By finding the cover that best suits your needs, you should be able to structure your insurance cover so that your premiums are well within reach.

Myth #3: It won’t happen to me

You might think ‘I don’t need to worry, I’m fit and healthy’ but with the incidence of life-threatening or debilitating health conditions on the rise, you may think again after considering the following leading causes of death (and disability) in Australia.

  • Heart disease – Affects 1.4 million Australians and is the leading cause of death in Australia.
  • Strokes – There are 50,000 strokes in Australia each year – 65% result in disability.
  • Dementia – Dementia is already the single greatest cause of disability of Australians aged 65 years or older.
  • Cancer – 1 in 2 men and 1 in 3 women will be diagnosed with cancer by the age of 85.

Get some advice

If the thought of understanding insurance and what’s right for you seems like an insurmountable obstacle then leave it to the experts. The cost of insurance doesn’t need to stop you in your tracks and you’re always better off knowing more. Speak to us to get the advice you need to protect yourself – and your family. Give us a call on 03 9723 0522.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

Smart ways to give

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Choosing to give money to charity or charitable causes that you care passionately about can be straightforward but there are several different ways you can give. Some considerations include:

  • When do you want to give? When you are alive, after you have died, or both?
  • How much do you want to give?
  • How much control do you want over how the funds are managed and granted?
  • Are tax benefits something you need to consider?
  • Do you want to leave a lasting legacy, which involves your spouse, children and grandchildren?

Your answers to these questions will help you decide which of the different structures offers you the smartest way to give. Four of the most common options range from simple and quick, such as a one-off direct donation to complex and long-lasting, such as setting up a private ancillary fund. Let’s take a more detailed look at the options.

One-off donations

Making a direct donation to a charity is still the most common way to give.

Donations can be as small as $2 and are fully tax-deductible.

Bequests

A bequest is a donation to benefit a charity or cause of your choice which is specified in your Will and commences upon your death. It may be a specific donation or you might choose to establish a charitable trust, which is a long-term giving structure often in perpetuity.

A charitable trust is effective if you want to maximise the impact of your initial gift over the long term All earnings on the funds held in trust are tax-free This option is most suitable if you have over $250,000 to give.

Private ancillary funds

A private ancillary fund (PAF) is a charitable trust, set up during your lifetime or upon your death to benefit nominated causes. A PAF enables you to ensure your giving will align with your values and interests and that it will continue after you die.

Any donations you make to a PAF are tax-deductible and all income and capital gains generated within the PAF are tax-exempt. This option is suitable if you have over $500,000 to give.

Public ancillary funds

As an alternative to a private ancillary fund, you can establish an account under a public ancillary fund. This allows you to focus on the pleasure of giving, without having to worry about the ongoing administration, investment management or compliance involved in a private ancillary fund.

An account can be established with an amount of $50,000.

Remember – if you need help to decide on your smartest way to give, we’re here to help. Give us a call on 03 9723 0522

 

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

Money doesn’t grow on trees

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Children certainly don’t come with an instruction manual. From the time they’re learning to crawl parents begin teaching their children about right and wrong, personal safety, manners and morals. Over time, children are taught about stranger-danger, healthy eating and personal accountability. Interestingly however, many Australian parents leave out one of the most important survival skills their children will need in the future – how to take care of themselves financially.

Earning, saving and sharing

Children see their parents spend money, on one thing or another, most days. This emphasis on spending can come at the expense of other important money skills – earning, saving and even investing. Teaching children about the less visible aspects of how to manage their personal finances from a young age will have a profound impact on their attitude to money in the future.


It’s more about character than coin

Giving children the skills to control their finances is not only beneficial in their financial wellbeing – it also contributes to the forming of their personality and unique attributes. The lessons on self-control, conviction, resourcefulness, contentment and compassion are all valuable in shaping a well-rounded, socially aware, and responsible person.

Where do you start?

ASIC’s MoneySmart website has teaching resources to help develop financial skills in young people. Resources include e-books, videos and interactive activities. You can visit their website at moneysmart.gov.au/teaching

And around the home, there are some simple things you can do to help your children on the right track:

  • For young children, encourage your children to play ‘shop’ at home
  • Let them help with putting coins in the parking meter or vending machine
  • Set a goal to save money for their next toy. Make sure it’s not too expensive – it’s important it’s something they can achieve in a realistic timeframe
  • Occasionally let your children watch you do online banking so they can see how your money is managed each month to pay for recurring and unexpected living expenses.
  • For older children, encourage your children to earn their pocket money by doing age-appropriate chores around the house – and consider putting the money directly in a bank account to help create a savings routine.
  • For teenage children, teach them about the value of compounding interest and consider establishing a trust in their name. That way they can see the benefits of longer-term investing in managed funds or shares. This can be a daunting task for a parent and it may be useful to talk to us about different ways this can be done.
  • Talk to your children about money and keep talking to them about it as they grow. The lessons learned will stay with them for life.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

Integrity One Facebook

This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

Rebuilding superannuation after early access

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Super savings are for retirement. However, as a result of the financial hardship caused by Covid-19, you may have had no option but to access your super to help make ends meet at a difficult time. Today we will consider how you can boost and rebuild your retirement savings when your circumstances allow.

Boosting and rebuilding your savings.

While your top priority at the moment is maintaining the cash flow you need to meet ongoing family and lifestyle expenses, there are some great ways that you may be able to boost your retirement savings in the future when your circumstances change.

It may give you some peace of mind to know that you are able to make what might be a necessary decision today to access some of your super savings to assist you and your family at a difficult time, without compromising your retirement. In the future, even small, regular contributions could be important in getting your superannuation savings back on track for retirement as every little bit helps.

We have summarised how some of the below strategies could help you to boost your retirement savings between now and retirement. When your circumstances change and you have the opportunity to consider rebuilding your retirement savings, think about it as soon as possible. The sooner you start, the more chance you’ve got to ensure you can get your super savings back on track.

Strategies at a glance

Below is a summary of some of the key contribution strategies available to boost and rebuild your retirement savings. To find out if these strategies are right for you and to understand more about the rules and eligibility conditions, speak to your financial adviser and see ato.gov.au.

1. Sacrifice pre-tax salary to super

Who could this work for?

This may be appropriate for those who have sufficient cashflow to divert some of their pre-tax salary to super rather than as take-home pay. It doesn’t need to be a large amount to start and you can further increase the amount that you contribute in the future once things are really back on track.

Strategy at a glance

If, and when, the time is right, you may be able to arrange for your employer to contribute some of your future pre‑tax salary, wages or bonus directly into your super fund.

Some important information

Salary sacrifice contributions count towards the ‘concessional contributions’ (CC) cap. CCs also include employer contributions and personal contributions claimed as a tax deduction. Breaching the cap may lead to additional tax penalties.

For a brief explanation on contributions caps see the Glossary at the end of this document or go to ato.gov.au

What’s the benefit?

By making regular additional contributions to super, you’re helping build up your account balance again. Don’t be afraid to start small if it is all you can commit – even small incremental amounts add up over time. The sooner you can start making even small contributions, the better- the power of compounding returns will have the chance to work harder for you. Salary sacrifice contributions are made from your pre-tax salary which can be a great, disciplined way to save for retirement. However, if your income or expenses aren’t consistent or predictable – there are other ways (see ‘Make personal contributions and claim a tax deduction’ below).

Tax management

Salary sacrifice contributions are generally taxed at the concessional rate of up to 15% (1), rather than your marginal rate which could be up to 47% (2) . Depending on your circumstances, this strategy could therefore reduce the tax you pay on your salary and wages by up to 32%. By paying less tax, you can make a larger investment for your retirement. You could even consider diverting the tax savings to super to boost your savings further.

(1)Individuals with income above $250,000 in 2019/20 will pay an additional 15% tax on salary sacrifice and other concessional super contributions within the cap.
(2) Includes Medicare Levy.

2. Government co-contribution

 Who could this work for?

People who earn (3) less than $53,564 pa (4) , and can make personal (after-tax) super contributions of up to $1,000 pa – less than $20 per week.

(3) Includes assessable income, reportable fringe benefits and reportable employer super contributions less business deductions. At least 10% of income must be from eligible employment or carrying on a business. Other conditions apply.
(4) The threshold applies in 2019/20. From 1 July 2020 this increases to $54,837.

Strategy at a glance

If you meet the requirements and make personal (after-tax) contributions of up to $1,000 pa, the Government will also contribute up to $500 into your super account. The amount you’re entitled to will vary based on your income and the total annual personal contributions that you make. As a general rule, in 2019/20:

  • the maximum co-contribution of $500 is available if you contribute $1,000 and earn $38,564 or less, and
  • a reduced amount may be received if you contribute less than $1,000 and/or earn between $38,564 and $53,564.

Personal (after-tax) contributions count towards your non-concessional contribution cap.

See Glossary at the end of this document or visit ato.gov.au for further information.

What’s the benefit?

By making regular additional contributions to super, you’re helping build up your account balance again.

What’s even better is by receiving additional help from the Government, your savings may be boosted even faster. If you’re entitled to the maximum co-contribution, this means your super contributions will be increased by $1,500 pa from this strategy alone – and there are other strategies that you may be able to utilise to give your savings an even bigger boost.

The earnings on your savings are taxed at 15% rather than your marginal rate which could be up to 47%.

3. Make a spouse contribution and receive a tax-offset

Who could this work for?

Members of a couple, where one spouse earns less than $40,000 pa and there is capacity to make a super contribution on behalf of a spouse.

Strategy at a glance

If you make an after-tax contribution into your spouse’s super account and they earn less than $40,000 pa, you may be eligible for a tax offset of up to $540.

To qualify for the full offset of $540 in a financial year, you need to contribute $3,000 or more into your spouse’s super account and your spouse must earn (5) $37,000 pa or less.

A lower tax offset may be available if you contribute less than $3,000 or your spouse earns more than $37,000 pa but less than $40,000 pa.

A spouse contribution counts towards your spouse’s non-concessional contribution cap and must be within this cap to entitle you to the tax offset.

See Glossary at the end of this document or visit ato.gov.au for further information.

(5) Includes assessable income, reportable fringe benefits, and reportable employer super contributions.

What’s the benefit?

Spouse contributions can be a great way to grow your super as a couple and to be ‘rewarded’ via a tax offset for saving for retirement.

Tax management

Not only could you boost your spouse’s super, but the tax offset could also help reduce your income tax. You could use these tax savings to provide an even larger super savings boost, helping to fund additional contributions in the next financial year.

4. Make personal contributions and claim a tax deduction

Who could this work for?

This might be right for you if you’re able to make personal after-tax contributions to super. Unlike salary sacrifice contributions, personal deductible contributions can be made with your take-home pay or savings.

You can do this regularly, or you could even wait until closer to the end of the financial year, which could provide greater flexibility and planning options if you have irregular income or expenses and need to review your circumstances before committing to a regular contribution.

Strategy at a glance

You could make a personal super contribution and claim a tax deduction for the amount, which will also reduce your assessable income. These contributions are treated as CCs and count towards your CC cap. Exceeding your cap may result in significant tax penalties.

See Glossary at the end of this document or visit ato.gov.au for further information.

What’s the benefit?

By making additional voluntary contributions to super, you’re helping to rebuild your account balance. What’s more, making tax-effective super contributions can be a great way to boost your cashflow even more.

Tax management

Making a personal deductible contribution could help to reduce your assessable income and manage your tax liability. The contribution will generally be taxed in the fund at the concessional rate of up to 15% (6) , instead of your marginal tax rate which could be up to 47% (7) .

Depending on your circumstances, this strategy could result in a tax saving of up to 32% and enable you to increase your super. You could put some or all of these savings towards making even more super contributions in the following year.

It could also help you to manage capital gains tax and if you have unused CCs (see below ‘Catch-up concessional contributions) you could make larger contributions and claim an even larger tax deduction.

Depending on your circumstances, this may even result in you receiving a tax refund at the end of the year. You could use this tax refund to further boost your retirement savings by making another super contribution in the following year.

(6) Individuals with income above $250,000 in 2019/20 will pay an additional 15% tax on personal deductible and other concessional super contributions.
(7) Includes Medicare Levy.

 

5 Make catch-up concessional contributions

Who could this work for?

If you haven’t fully utilised your annual concessional contributions (CC) cap since 1 July 2018, you may have accrued ‘unused’ CCs that could enable you to make larger contributions in a future year. Unused CCs can be carried forward or up to 5 years.

What does it involve?

If you meet the eligibility criteria and have accrued unused concessional contributions, you may be able to top up any employer contributions by making:

  • personal contributions that you claim a tax deduction for, or
  • salary sacrifice contributions.

You could do this for example:

  • when you receive a bonus
  • once you have sufficient cash flow to divert regular pre-tax salary to super
  • when you receive a refund from your tax return, or
  • with proceeds of sale from an investment or other asset, or windfall.

Depending on your cash flow, financial commitments and personal circumstances, there are a couple of ways that you can make CCs. Your financial adviser can help determine the right fit for you.

These contributions are treated as CCs and count towards your CC cap. Exceeding your cap may result in significant tax penalties.

Additional information on concessional contributions is in the Glossary at the end of this document or visit ato.gov.au

What’s the benefit?

By making regular additional contributions to super, you’re helping build up your account balance again. What’s more, making tax-effective super contributions via salary sacrifice or a personal deductible contribution (see below) can be a great way to boost your cashflow even more.

Tax management

CCs are a tax effective way to save for retirement.

This means more of your money (after-tax) is invested for you today. If you’re able to make even larger CCs by using the catch-up contribution rules, not only is this an even greater boost for your retirement investments, but the tax savings (which you might receive via a refund on your tax return) could be even greater. This could either help with cashflow or provide you with even more capacity to make additional contributions to super in a future financial year.

Salary sacrifice contributions are generally taxed at the concessional rate of up to 15% (8) , rather than your marginal rate which could be up to 47% . The tax deduction you claim for personal contributions reduces your assessable income and generally provides a tax saving.

Also earnings on your super savings are taxed at 15% compared to your marginal tax rate of up to 47% (9).

(8) Individuals with income above $250,000 in 2019/2020 will pay an additional 15% tax on salary sacrifice and other concessional super contributions within the cap.
(9) Includes Medicare Levy

Case study – benefits of rebuilding

Greg (50), Peter (40) and Bobby (30) have all recently been impacted by the coronavirus pandemic, having been made redundant or stood down from employment. Each is concerned about the impact that a withdrawal under
the temporary coronavirus condition of release will have on their future retirement savings.

The potential impact on future retirement savings

Given each person’s circumstances they each make the decision to make the withdrawals. However, when the time is right in the future, there are a number of strategies that could be implemented to help get their retirement savings back on track.

Their adviser completes some projections to show the incremental benefit of even small contributions and strategies between now and retirement. The news is good, even after withdrawing the maximum amount of $20,000 with the right advice, each of them should be able to rebuild their super savings. The projections also show that they should be able to save even more for retirement and may retire with an even larger balance.

[10] Modelling estimates are based on a range of assumptions and individual outcomes may vary. Outcomes are displayed in today’s dollars, Annual salary increases are in line with assumed rates of CPI, with employer contributions at the legislated minimums. Recommended contributions are unindexed. Government co-contributions are calculated annually based on entitlement resulting from salary and projected income thresholds. Investment returns are based on a return rate of 7.77%, and ignores fees for simplicity. Based on current tax and superannuation rules which are assumed to remain unchanged. Retirement age is 65 in all case studies.

Next steps

To find out more about how these strategies could work for you or any other issues or concerns you may have, we recommend you give us a call and we’d be happy to take you through it.

 

Glossary

Assessable income -Income, including capital gains, you receive before deductions.

Capital gains tax (CGT) – A tax on the growth in the value of assets or investments, payable when the gain is realised. If the assets have been held by an individual, trust or super fund for more than 12 months, the capital gain generally receives concessional treatment

Concessional contribution cap – A cap that applies to certain super contributions. These include, but are not limited to:

  • personal contributions claimed as a tax deduction, and/or
  • contributions from an employer (including salary sacrifice).

Concessional contributions are taxed at the concessional rate of up to 15%. If you’re a high income earner (with income for this purpose above $250,000) you will pay an additional 15% on certain concessional contributions you receive.

The current concessional cap is $25,000. If you’re eligible, you may be able to carry forward unused concessional contributions to make larger contributions in a future year. You may be able to carry forward unused concessional contributions for up to five years. Eligibility rules apply. If you exceed the concessional cap, additional tax penalties may apply. See ato.gov.au for more information.

Condition of release – Circumstance upon which you can withdraw your super benefits. This is generally when you reach age 65 or meet the specific ‘retirement definition’. In certain circumstances you may be able to access some of your super early if you meet certain other conditions, generally related to hardship. See ato.gov.au for more information.

Marginal tax rate – The stepped rate of tax you pay on your taxable income. See ato.gov.au

Non-concessional contribution cap – A cap that applies to certain ‘after-tax’ super contributions. These include, but are not limited to:

  • personal after tax contributions, and
  • spouse contributions received.

The cap is currently $100,000. However, if you are under age 65 at some point during the financial year, it may be possible to contribute up to $300,000 in 2019/20, provided your total non-concessional contributions in that financial year, the last two proceeding years, and the following two financial years, do not exceed $300,000. If the cap is exceeded, excess contributions may be taxed at the top marginal tax rate of 47% if not removed from the fund.

Personal after-tax super contribution – A super contribution made by you from your after-tax pay or savings.

Salary sacrifice – An arrangement made with an employer where you forgo part of your pre-tax salary in exchange for receiving certain benefits (eg super contributions).

Spouse contribution – An after-tax super contribution made on behalf of an eligible spouse. If the receiving spouse has income (for this purpose) of less than $40,000, the contributing spouse may be eligible to claim a tax offset of up to $540.

Superannuation Guarantee (SG) contributions – The minimum super contributions an employer is required to make on behalf of eligible employees is 9.5% of ordinary times earnings in (2019/20) up to the maximum super contribution base limit of $55,270 (2019/20) per quarter.

Tax deduction – An amount that is deducted from your assessable income before tax is calculated.

Tax offset – An amount deducted from the actual tax you have to pay (eg franking credits).

Taxable income – Income, including capital gains, you receive after allowing for tax deductions.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

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This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

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Are you following us on Facebook ?. We know that Facebook is not everyone’s cup of tea, but it can be a usual source of information – as well as a terrible waste of your valuable time if you are not careful!.

We regularly post links to articles we think our customers may find interesting or relevant to their financial well being, or occasionally something that provides a bit of a distraction in these difficult times.

If you’ve not done so before, or not visited in a while, please check out our page and if you like what you see please click the pages “Like” button so you don’t miss any of our future posts.

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Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

Integrity One Facebook

This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

Government extends Instant Asset Write-Off to 31 December 2020

The Government has announced that it will extend the application of the increased $150,000 instant asset write-off threshold by six months from 30 June 2020 to 31 December 2020.

This applies to new or second-hand assets used or installed ready for use by Australian businesses with an annual turnover of under $500 million.

The $150,000 threshold applies on a per asset basis, which means multiple assets may be immediately written off where the cost of each asset is below the threshold.

The Government previously announced the threshold increase from $30,000 to $150,000 as well as increased turnover eligibility from $50 million to $500 million on 12 March 2020.

Please contact Integrity One if we can assist you with this or any other financial matter.

Phone: (03) 9723 0522

Suite 2, 1 Railway Crescent
Croydon, Victoria 3136

Email: integrityone@iplan.com.au

Integrity One Facebook

This information is of a general nature and does not take into consideration anyone’s individual circumstances or objectives. Financial Planning activities only are provided by Integrity One Planning Services Pty Ltd as a Corporate Authorised Representative No. 315000 of Integrity Financial Planners Pty Ltd ABN 71 069 537 855 AFSL 225051. Integrity One Planning Services Pty Ltd and Integrity One Accounting and Business Advisory Services Pty Ltd are not liable for any financial loss resulting from decisions made based on this information. Please consult your adviser, finance specialist, broker, and/or accountant before making decisions using this information.

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Integrity One Planning Services Pty Ltd (ABN 59 125 846 933) is a Corporate Representative (315000) of Integrity Financial Planners Pty Ltd (AFSL No. 225051).