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Financial planning case studies - Case studies UniSuper


Neither Bay Tree Financial Planning nor Intrinsic are responsible for the accuracy of the information contained within the linked sites. Important Concerns Issues Action item Providing For Family There is a concern if David prematurely dies, there would be financial difficulites. LVFS is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

After discussion, a BUSSQ Financial Planner established that he should increase his insurance cover to protect Bill and his family. 00 every month Sukanya Samriddhi Yoyona for 17 yrs and beyond as per requirement when she attains 18 yrs of age. Goals Comfortable retirement Income stream Leaving a legacy to the family Strategies for pension and 401k assets Suggested Strategy Design a high quality portfolio without taking unnecessary risks while providing an income stream and staying ahead of inflation Assist with related estate strategies Tax free rollover of pension and 401k money Business Entrepreneur A business entrepreneur desires an objective, professional consultation regarding various aspects of his or her business.


Please refer to the course profile for further information.


8 million naturally this completely transformed their lives. For More Information If you have general questions about your purchase or encounter any difficulties, please contact For technical difficulties or questions about downloading, please contact 1. You will use one of the following case studies, as directed by your instructor, to build your competence and help contribute to your future success as a Certified Financial Planner professional.

Trustee UniSuper Limited ABN 54 006 027 121, AFSL No. As a fully independent firm we provide holistic planning advice on and.


00 mth in Risk oriented schemes may generate with 12 CAGR Rs. Each client presents us with a unique set of circumstances so it s impossible to replicate your situation in the case studies listed here. GOAL 1 Hence the mentioned value can be can be taken as Rs.

So when you access our website, in compliance with Article 22 of Law 34 2002 of the Information Society Services, in the analytical cookies treatment, we have requested your consent to their use. These extra funds could increase her minimum retirement income to around 26,940 pa. Arvinder and Hannah are unsure if they will be able to reach all of their goals, including planning for retirement and their children s educations, providing the necessary financial protection for their family in the event that either of them should die prematurely or become disabled, and have Aalim take over Arvinder s business, all on one income so that Hannah can remain at home with the children.

Article by Mark Mullins What would happen to your business if your main income producers were unable to work? An individual policyholder A member or former member of a group personal pension or buyout scheme A pension scheme trustee What type of policyholder are you?

Because of their transitional life from one college to another they have rented rather than purchased a home. She has worked as a consultant and now she is a full-time mom. The Financial Planning process has helped him make some key decisions as it has allowed him to look ahead and see what the outcomes of decisions might look like, the risks involved and how hard he might have to work!


Invest the remaining proceeds in an asset allocation strategy Make an appointment with an attorney to establish an estate plan.

Coverage or protection regard to Life insurance may be increased by another Rs. You can access all the case studies as well as get access to other relevant support material we have on our dedicated website. To find out more about the cookies we use and how to delete them, see our. I ve just got back from a client meeting and was really delighted with the progress a couple with a young family have made since they became clients just over two years ago.

We recently provided advice to clients where the husband is in his late 60s and still working, looking to determine when he would be able to retire. He received a Statement of Advice covering our and how he would be better off having taken our financial advice.


Therefore they divided up the assets to provided a combined 50 bond 50 equity split. These are case studies and are for illustrative purposes only.

Case Study 2- Going above and beyond for a client that faced a tough reality The Challenge We were introduced to a potential client by a local attorney. This woman, in her late 50s, had recently lost her husband to an unexpected illness. Rather than investing these funds it is recommended to retain in a savings account to fund his education.


Click any of the categories below to tailor content to your specific interests. Your recently viewed items and featured After viewing product detail pages, look here to find an easy way to navigate back to pages you are interested in. Sudden wealth We helped a couple work out how a sizeable inheritance would be able to change their lives for the better. The financial adviser was right not long afterwards, Bob got a new job and the investment bond matured into a very welcome lump sum. They will need ample cash flow for traveling and hobbies. 00 in 4 yrs 12 return compounded on an annualized basis. They would like to conservatively invest to provide income with some appreciation Need to coordinate the maturities of bank deposits, bonds and equity to provide structure. For further information about UniSuper Advice, please see unisuper.


00 per month after a year on a c of Personal loan closure as well as a further provision of Rs. After an initial discussion with a BUSSQ Financial Planner- which was free of charge- Bob and Betty had a follow up meeting where it was recommended that Bob should Commence a BUSSQ Transition to Retirement Pension TTR, Commence salary sacrificing into his BUSSQ Premium Choice Super Fund account. Two years ago, when ISAs celebrated their 15 th birthday, 24. Everyone s circumstances are different and you should speak to a financial adviser before making any decisions. Who can you trust to help you make smart financial decisions and manage your money with integrity?

Janice O Brien, her CFP professional, will review Catherine s financial situation and prepare a financial plan to help address her goals and the issues she has raised, along with other potential needs uncovered in discussion.


Refinance Mortgage to lower payments and save interest and pay off auto loan Maximize 401 K contribution and reallocate retirement investments Establish Educational 529 plans for children, reserve a fund for David s MBA Provide tax clarity to prepare David and Tiffany for the higher tax situation Step 4 Implementation and Execution of Recommendation Set up an appointment with attorney to prepare an estate plans, including preparing documents.


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