Secure a brighter future is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future is an Authorised Representative of RI Advice Group Pty Ltd My Name Financial

Secure a brighter future is an Authorised Representative of RI Advice Group Pty Ltd JV logo

5 Disclaimer Important Notice RI Advice Group Pty Ltd, ABN , holds Australian Financial Services Licence Number 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.

6 Agenda Have a plan Our credentials How we can assist you How we work with you The future is uncertain Benefits of using a qualified financial adviser Take control of your financial future

7 Have a plan What is financial security? Having control of your finances so you can enjoy other aspects of your life Making conscious, informed decisions about how your income is to be used Managing current finances to provide for and protect future needs Deciding how much you are willing to risk to gain a desired return on your investments

8 Have a plan Life expectancy continues to increase Source: Australian Bureau of Statistics. Deaths, Australia (3302.0) Years MaleFemale

9 How much money will you need in retirement? A rule of thumb is 60% of your salary before retirement! To receive $40,000p.a. you may need to accumulate approx. $800,000 ^ by the time you retire! The Age Pension won’t be enough For singles - $16,010 p.a. For couples - $24,138 p.a. ^ $40,000 * 20 years Source: Centrelink valid to 19 March 2010 Be prepared NOTE: Age pension rates are exclusive of the pension supplement. Some age pensioners will be assessed under transitional rules.

10 Our credentials Experienced –Over 25 years experience –Over 80,000 clients –Over $10b under advice Professional personal advice Advice underpinned by quality research and technical teams Over 110 offices nationwide Global company

11 How we can help you Our services Strategies to support your life goals Retirement planning Maximising your Government benefits Superannuation services Wealth creation strategies Portfolio construction Tax effective strategies Protecting you from the unexpected with insurance Estate planning Aged care planning Debt management and borrowing to invest Savings plans Redundancy advice

12 Living: Day-to-day, like keeping a roof over your head, a car on the road, food, bills, car, insurance, etc. Life balance: The things you want to do, like a hobby, giving back to the community, further education, relationships, health or other past-time Lifestyle: Major lifestyle pursuits, such as overseas trips, home renovations, new car/boat. How we can assist you

13 Educational services Regular publications Educational booklets and pamphlets Website – calculators and financial tools Seminars and workshops Individual consultations How we can assist you

14 Why work with a financial adviser story - optional

15 How we work with you Our aim is that you understand: What strategies we are recommending and why How these strategies will assist you in achieving your goals How much our advice and the implementation of our recommendations will cost you Our ongoing service to you

16 How we work with you Initial service 1.How we can help you? 2.Getting all the facts 3.Agreeing on the service 4.Strategy development 5.Presenting our recommendations 6.Implementation and ongoing service

17 CASH GROWTH The future is uncertain INCOME Social security changes Personal circumstances Interest rate changes Taxation Government legislation Economic impacts Investment selection

18 Benefits of using a qualified financial adviser A financial adviser can provide research and technical expertise along with: Quality service Accurate advice Strict professional standards Experience and expertise Innovative solutions Comfort that your financial future is under control

19 Ensure: The company is licensed through ASIC The adviser holds a AFSL or has authority to advise via a licensed holder The adviser provides you a Financial Services Guide All fees and charges are clear and explained The adviser gives you a Statement of Advice The adviser has the right qualifications and continuously develops their skills Checklist for selecting a financial adviser

20 Experience – over 25 years Accessibility – over 110 offices Professional reputation Skilled advisers Wide range of services Quality standards, policy & procedures Research expertise Strength and security Ongoing professional advice and personal service Why choose us

21 Take control of your financial future What are your lifestyle goals now and in retirement? How much are you currently saving towards your future? How much more (or less) do you need to be saving each year to achieve your goals? “Risk comes from not knowing what you’re doing.” Warren Buffet

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