Financial Goals
- Review Super fund costs
- Take out Life Insurances
- Increase payments on principle mortgage if possible
Chris & Tania have been married for 5 years and have one child aged 2.
Tania works for the AFL marketing department earning an Income of $88,000 and Chris is a qualified Marble Floor Tiler earning an income of $95,000.
Both Chris & Tania have been given a sizeable salary increase in the last 6 months and wanted to make sure that they are doing as much as possible to utilise this extra income.
Both Chris & Tania were in Industry fund that had been set up by their respective employers.
They both decided to review their funds with an adviser as they felt the industry fund had a set and forget mentality and there was no adviser or anyway to get what they thought was real independent advice.
Knowing that they have a child and a mortgage they realised that they needed insurance cover to protect the family in the event of any crisis out of their control.
What Did Centurion Financial Group Do To Help Them Achieve Their Goals?
- After a face to face meeting with them both and finding out their situation, goals and objectives we reviewed their industry super funds, we were able to give them super funds that gave them a better diversified portfolio and fee structure that fitted in line with what they wanted without compromising on the constant ongoing service that they were so eager to have.
- Using the Centurion method for calculating insurance requirements we were able to organise appropriate levels of death, disablement, trauma and income protection cover. Tania especially was surprised and had never heard of it before, that there was a trauma cover option that pays out a lump sum on a specific illness. This was a big relief to her as there was a family history of cancer and this cover would be a huge financial relief if anything was to affect her and the family.
- After the tailoring of superannuation and the implementation of insurance there was still a large amount left over to make additional payments into the home loan which by the way, was refinanced into a better loan option by Centurion’s Banking & Finance broker.
What Can We Help You Achieve?
- Tax – Effective tax reduction structure
- Your risk profile – We find the best investment solutions to suit
- Mortgage and debt elimination – pay your mortgage off faster!
- Superannuation – Performance review of your current superannuation
- Investments – Tailored Specific Managed Funds
- Insurance – Finding the best insurance cover & protection