In this episode Gavin Martin, Financial Adviser / Financial Planner, discusses:

• Renting vs Buying
• Goal Setting
• Should I start a Self Managed Super Fund (SMSF)
• How to Transition to Retirement

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In this episode Gavin Martin, Financial Adviser / Financial Planner, explains the personal finance and superannuation announcements the Federal Government made as part of the Mid-Year Economic and Fiscal Outlook (MYEFO) that has been termed a Mini-Budget due to the range of cut backs. The discussion, includes:

• Extension of draw down relief for super pensions – The Government has announced it intends to extend the 25% drawdown relief for the 2012/13 year.
• Low income superannuation contribution – The Government has previously announced and introduced legislation to effectively provide a refund of 15% contributions tax for low income earners from 1 July 2012. Taxpayers with adjusted taxable income of up to $37,000 will receive a low income superannuation contribution (LISC) up to a maximum of $500. The Government intends to simplify the process for eligible individuals.
• Superannuation co-contribution – The Government intends to reduce the matching rate and maximum payment for the superannuation co-contribution from 1 July 2012. This coincides with the commencement of the LISC. The co-contribution will reduce from $1,000 to $500. The matching rates remains at $1 for $1, however, eligibility for the co-contribution cuts out at $46,920. Currently the cut out threshold is $61,920.
• Abolition of age limit for Superannuation Guarantee contributions – Currently, employers are not required to make Superannuation Guarantee payments for employees age 70 and over. From 1 July 2013, employers will be required to make Superannuation Guarantee contributions for eligible employees aged 70 or older. Other existing exemptions from paying Superannuation Guarantee contributions will continue to apply, such as an employee earning less than $450 per month.
• Pause on concessional contribution indexation – The Government will pause the indexation of the concessional contribution cap (currently $25,000) for one year in 2013/14. It is expected that the concessional contribution cap will be indexed from 2014/15, increasing to $30,000. This also means the Non Concessional Contributions will not be indexed as it is six times the concessional contribution cap.
• Self Managed Superannuation Fund Trust deed clauses - Currently, some trust deeds include a clause which treats amounts that would otherwise be a contribution as not being accepted if that amount would lead to a breach of the contribution cap. Under the proposal, a fund will be deemed to have accepted the contribution if the contribution has not been promptly returned and effectively been intermingled with other fund assets. This is designed to ensure that such clauses are ineffective and penalty contribution tax payable.
• Dependent spouse tax offset - Effective from 1 July 2012, the Government will phase out the dependent spouse tax offset (DSTO) for taxpayers with a dependent spouse born on or after 1 July 1952. The original phase out was for taxpayers with a dependent spouse born on or after 1 July 1971.
• Deferral of tax reforms – The commencement of the standard $500 pa work related expenses from 1 July 2012 will be deferred until 1 July 2013 and the standard $1,000 pa work related expenses that were to commence on 1 July 2013 will now not start until 1 July 2014.
• The commencement of the standard $500 pa work related expenses from 1 July 2012 will be deferred until 1 July 2013 and the standard $1,000 pa work related expenses that were to commence on 1 July 2013 will now not start until 1 July 2014.
• The 50% discount for interest income will be deferred until 1 July 2013
• The commencement of the phase down of the interest withholding tax for financial institutions will be deferred until 2014/15.
• Car fringe benefit rules – In the Federal Budget the Government announced a transitional period to move from multiple statutory rates to a single flat rate of 20% when determining the taxable value of car fringe benefits. This announcement will be modified to allow employers to elect to apply the 20% flat rate immediately rather than apply the transitional rules. This measure only applies to new contracts.
• Pause on Baby Bonus indexation – From 1 July 2012, the Government will pause the indexation of the Baby Bonus payment for three years. The payment rate will also be reset to $5,000 per child from 1 September 2012. The current rate of the baby bonus is $5,437.
• FTB Part A conditional on immunisation – From 1 July 2012, the Government will make payment of the FTB Part A supplement conditional on a child being fully immunised.
• Question from Lyn about withdrawing funds from superannuation to invest in property – When can I access my superannuation and How can I access my superannuation may be useful videos.

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In this episode Gavin Martin, Financial Adviser / Financial Planner, is joined by Edward Teele to address the question “What happens if a country collapses and cannot pay back its debt?”, including:

• European plan to deal with Greece sovereign debt issues
• The difference between companies and individuals going bankrupt and countries going bankrupt
• Previous country defaults
• Possibly outcomes of the current economic situation
• Wisdom from Warren Buffett and Professor Burton G. Malkiel

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In this episode Gavin Martin, Financial Adviser / Financial Planner, addresses your 3 questions, including:

• Selecting an SMSF adviser – Craig asks “My mother is looking to have someone else manage her SMSF. What points should does she need to consider when reviewing who should manage it.”
• Going guarantor – Mark asks “I have the property I am living in paid off ($400k), I will retire in 1 year. My daughter is planning to buy an investment property ($300k). She want to put my name in the property, but only 5%, she owns 95%. My questions are:
• In the future is it easier to transfer the property to me?
• Is there any other positive reason for doing so?
• And how will this affect my retirement payment?
• If my daughter buys the property on her own (without having my name on the property), what are the differences to having my name on for 5%?”
• Investing an inheritance for teenage children – Yolanda asks “what is the best way to invest in property so parents and rent off children (to pay outstanding loan)”

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In this episode (Part 2 of 2) Gavin Martin, Financial Adviser / Financial Planner, addresses your questions about your superannuation investment option, including:

• Luke: What’s the wisest place to put extra rainy day savings?
• Steve: Is it better to put money into super or buy an investment property?
• Vivian: Pay down the mortgage or direct funds to superannuation?
• Brian: Pay off mortgage or is there a better strategy?
• Anne-Marie: What is a realistic long term percentage (%) return on a cash investment option?
• John: Time in the market vs timing the market
• Amanda: Shares, Property or Cash
• Ingrid: How do I get to access my super fund savings?
• Daniel: Are the investment option targets still realistic?
• Rachael: Is owning a home an important investment or is it better to rent?
• Errol: I want a conservative to medium risk strategy
• Alan: Is it best to leave my super where it is and ‘ride out the storm’?
• Charles: What is the best way to invest in property if you are a young family, early on in life/work?
• Geoff: Is it better to put most of my money into Super, invest in shares, or keep in the bank?
• Wayne: Do I put all my money into paying off my home loan or still make super contributions?
• John: Would it be to my advantage to put my super into gold for the next 4-6 years?
• Gawie: Is now a good time to get into the real estate market?
• Karl: Where is the best place to invest $10,000?
• Felicity: Home to Investment Property and deductible debt
• Ruth: Are shares a wise investment in this financial climate and given my age?
• Anna: First 5 Steps to buying your first property
• Andrew: Do we have 15-20 year term life Insurance in Australia?
• Mark: When is a good time to switch or split my super from growth to stable investment option?
• Michael: Should I consolidate my superannuation funds?

The presentation slides (in PDF format) and video can be accessed at http://www.cornerstonewealth.com.au/investmentvideo.

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In this episode (Part 1 of 2) Gavin Martin, Financial Adviser / Financial Planner, addresses What is the right investment option for your superannuation, including:

• Introduction
• New deposit guarantee cap of $250,000
• What is the right investment option for you?
• What investment structure should you use?
• What investments or asset classes should you invest in?
• Diversification Reduces Risk
• Understand your own circumstances
• Investment timeframe – How long are you investing for?
• What is your Age and Life stage?
• Christian Super Investment Options
• Risk Tolerance – What is your tolerance to risk or market volatility?
• Risk vs Lifestyle approach to determining your investments
• Is it a good time to get into or get out of the market?
• How do you prevent losses and how do you recover from losses in the value of your superannuation?
• Ethical Investing – How investing ethically adds values to your money?
• Summary
• Further Resources

The presentation slides (in PDF format) and video can be accessed at http://www.cornerstonewealth.com.au/investmentvideo.

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In this episode Gavin Martin, Financial Adviser / Financial Planner, addresses two questions:

• What is the best superannuation fund with low fees
• Chant West
• Super Ratings
• Can I invest my super in gold and silver
• Gold standard
• Gold vs investing in gold mining companies

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In this episode Gavin Martin, Financial Adviser / Financial Planner, addresses the issue of retiring when your superannuation assets are at a low point (low valuation) and also answers Kate’s question about how to invest in shares:

• Continuing to work rather than retiring while markets are at a low point
• “Wealth to Last, Money essentials for the Second Half of Life”, Larry Burkett, Ron Blue and Jeremy White, Broadman and Holman Publishers 2003
• How to invest in shares
• Kate’s question “I want to put some money, about $3000 into shares but don’t have much knowledge about it. How can I do this?
• First Home Saver Account
• Listed Investment Companies (LICs)
• Australian Foundation Investment Company (AFI)
• ARGO
• ATO link to Capital gains tax listed investment companies concession
• Managed funds
• Vanguard
• State Street
• Exchange Traded Funds (ETFs)
• Vanguard
• iShares
• Direct shares
• Online Brokers
• CommSec
• eTrade
• Search “online brokers” and you will see a range of online brokers

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In this episode (Part 3 of 3) Gavin Martin, Financial Adviser / Financial Planner, addresses Retirement Planning including:

• How to reduce capital gains tax
• How can I maximise the benefit to my children when I die?
• Example of tax payable by a financial non dependent when receiving a superannuation death benefit
• Cash Out Re-Contribution Strategy
• Cash Out Re-Contribution Strategy Considerations
• Further Resources

The presentation slides (in PDF format) and video can be accessed at http://www.cornerstonewealth.com.au/retirementvideo.

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In this episode (Part 2 of 3) Gavin Martin, Financial Adviser / Financial Planner, addresses Retirement Planning including:

• How to prepare for retirement?
• Strategies to help you save for retirement
• How does Salary Sacrifice work?
• What is the benefit of Salary Sacrifice?
• Salary Sacrifice Example
• How much should I salary sacrifice?
• What is Transition to Retirement (TTR)?
• What are the benefits of the TTR Strategy?
• Transition to Retirement (TTR) Example
• How does TTR work practically?
• What benefit could the TTR strategy provide me?

The presentation slides (in PDF format) and video can be accessed at http://www.cornerstonewealth.com.au/retirementvideo.

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In this episode (Part 1 of 3) Gavin Martin, Financial Adviser / Financial Planner, addresses Retirement Planning including:

• How much will you need for retirement?
• How to work out your retirement cost of living
• 65% of the after-tax income pre retirement
• Base on other’s experience
• Review expenses and make an estimate of how they may change in retirement
• Research Modest vs. Comfortable Lifestyle
• Modest retirement lifestyle – Better than the Age Pension, but still only able to afford fairly basic activities.
• Comfortable retirement lifestyle – Enabling an older, healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of such things as; household goods, private health insurance, a reasonable car, good clothes, a range of electronic equipment, and domestic and occasionally international holiday travel.
• How to provide for your retirement?
• Three broad sources of income:
• Superannuation
• Government Age Pension
• Other savings / investments
• 12 times rule
• $50,000 p.a. income * 12 = $600,000 capital
• How long your retirement savings will last
• When can you access your Superannuation?
• Preservation Age
• Conditions of release
• How can you access your Superannuation?
• Lump sum
• Pension
• Why use superannuation to save for retirement?
• Superannuation contribution limits

The presentation slides (in PDF format) and video can be accessed at http://www.cornerstonewealth.com.au/retirementvideo.

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In this episode (Part 2 of 2) Dr Shane Oliver Director of Investment Strategy & Chief Economist of AMP makes sense of the current market volatility by responding to your questions.

If you have not listened to Dr Shane Oliver’s presentation check out Your Money Your Life Podcast 022 Dr Shane Oliver Making sense of the current market volatility Part 1 – Armageddon or Business as Usual

The webinar was hosted by Peter Murphy CEO of Christian Super Tuesday 23rd August 2011.

Questions addressed during this session include:

• Is the the US dollar going to continue to be the global reserve currency?
• Should I cease salary sacrificing into super and put the money in the bank?
• Should I be moving my funds to cash?
• When should I move to a more conservative portfolio? Particularly if I am approaching retirement or already retired.
• Is it a good time to move to gold?
• What do you consider short, medium and long term?
• What will be the impact of European Sovereign Debt default on Australia?
• Should I redirect my contributions to cash rather than a more risky investment option?

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In this episode (Part 1 of 2) Dr Shane Oliver Director of Investment Strategy & Chief Economist of AMP makes sense of the current market volatility.

The slides Dr Shane Oliver presented titled Economic and market update August 2011 are available in PDF format here.

The webinar was hosted by Peter Murphy CEO of Christian Super Tuesday 23rd August 2011.

Dr Shane Oliver’s presentation includes the following:

• Share markets hit another air pocket in recent months
• Business conditions indicators have softened…
• …and public debt crises are bringing forward fiscal austerity
• The risk of recession in the US and Europe has increased (to 40%) but most likely outcome is low messy global growth
• Not the GFC (well at least not yet)
• US housing starts at multi decade lows already
• Interest rates are likely to remain low, with more easing on the way. Aust rates likely to fall
• China is slowing but not collapsing
• Apart from the mining boom, consumer caution has been the main theme in Australia recently = rising savings and weak spending
• Mining is strong, but the Australian economy is vulnerable
• Rising global risks and weak household demand mean Australia is vulnerable, but there are good reasons to expect Australia to hold up
• Australian shares are way below the level suggested by profits
• Australian shares are providing a higher cash flow than bonds &, increasingly, bank deposits
• Commodity prices still in a long term uptrend
• $A back to more normal levels after a long term slide
• Australia’s strong terms of trade is driving the $A higher, albeit with occasional set backs
• Commercial property is more attractive than housing given much higher rental yields
• Australian house prices are high relative to incomes = limited upside…
• The changed world ahead –what we are seeing in the aftermath of the global financial crisis

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In this episode (Part 2 of 2) Edward Teele joins me to discuss whether there is a social media bubble and whether you should be investing in social media, including:

• Deals and floats
• Twitter – secondary market trading values it at $7.6B
• Facebook
• Goldman Sachs investment in January valued it at $50Bn.
• Secondary market trades value Facebook at $76Bn
• Interestingly was voted as the 10th most hated company in America.
• 687 M users. Most of the new users continue to come from countries that are relatively late in adopting Facebook, as has been the trend for the past year. Growth seems to be slowing – number of users dropped in the US in the last month. Canada, UK, Norway and Russia all dropped users
• Renren
  • China’s answer to Facebook – which valued the company at 78 times 2010 revenue or $748 million.
  • Shares of Renren surged 29 percent in its IPO on May 4.
  • Strong demand for the company – which is not profitable, but will be in profit “very soon,” as chief executive Joseph Chen told Reuters – was a strong indicator of investor appetite for social media companies.
• Youku (China’s you tube)
• Yandex
• Russia’s answer to Google
• Went public in June 2011 at a valuation of about $8 billion.
• Google’s $1.654 billion acquisition of You Tube
• Google is taking aim at Facebook with the launch of Google+.
• Looks like Facebook – main difference is it is set up for sharing with Groups (e.g. hiking groups, colleagues etc) and not with the whole internet or your entire friend group
• People increasingly turning to Facebook to ask questions which used to be asked of Google
• In May 180 Million people visited Google sites including You tube. At the same time 157.2M people visited Facebook.
• Facebook users visited 103 billion pages and spent 375 minutes on site. Google users visited 46.3billion pages and spent 231 minutes
• Facebook off limits generally to search engines.
• Went public in 2004 at $85 per share, now trades at $530 per share
• Raised $1.7Bn
• At time of raising revenues $961Mn, profit $106Mn had been profitable for three years
• Sales were increasing at greater than 100% p.a.
• Priced at $85 per share
• Currently valued at $X per share representing a return of X%
• After day 1 trading Google had a PE multiple of 137 times, Linked In was 589 times
• Google now trades at 20.48 times earnings
• Zynga
  • Online social gaming firm
  • Plans to raise $2Bn which will value the entity at $15bn to $20bn
  • $1.8bn revenue
• Pandora
• Music streaming service
• Pandora sold its IPO stock at $16 (value at $2.56Bn) a share, and they climbed as high as $25 on the first day of trading before closing at $17.42.
• Revenue growing fast but not yet profitable
• The good and the bad were clearly disclosed to investors in the filings before the company went public.
• “By making available less than 10 percent of the total shares, that created a feeding frenzy,” Simmons said. The problem is this was one of several strategies used during the dot-com days to guarantee those huge, first-day surges in trading. While this is perfectly legal and clearly disclosed to investors, it still creates a misleading perception that demand is higher than it really is.

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In this episode (Part 1 of 2) Edward Teele joins me to discuss whether there is a social media bubble and whether you should be investing in social media, including:

• Social media is a buzz word across most areas of life (personal, business, media, and government) but from an investment perspective is it a prime opportunity to invest to take advantage of this burgeoning new market or are we in a social media bubble?
• What is a bubble?
• Can really only define bubbles in retrospect but…

What are some indicators of bubbles or stages in the cycle?

• HYMAN MINSKY’S SEVEN BUBBLE STAGES The late Hyman Minsky, Ph.D., was a famous economist who taught for Washington University’s Economics department for more than 25 years prior to his death in 1996. He studied recurring instability of markets and developed the idea that there are seven stages in any economic bubble:
• Stage One – Disturbance
• Stage Two – Expansion/Prices Start to Increase
• Stage Three – Euphoria/Easy Credit
• Stage Four – Over-trading/Prices Reach a Peak
• Stage Five – Market Reversal/Insider Profit Taking
• Stage Six – Financial Crisis/Panic
• Stage seven – Revulsion/Lender of Last Resort
• What is social media?
• What is a social media bubble?
• Deals and floats
• Microsoft over paying $8.5 billion for Skype (10 times sales and 400 times operating income)
• Linkedin
• Business professionals’ social networking website
• More than 100 million users – adding one member per second. From IPO document “The number of registered members in our network is higher than the number of actual members because some members have multiple registrations, other members have died or become incapacitated, and others may have registered under fictitious names. Given the challenges inherent in identifying these accounts, we do not have a reliable system to accurately identify the number of actual members, and thus we rely on the number of registered members as our measure of the size of our network. Further, a substantial majority of our members do not visit our website on a monthly basis, and a substantial majority of our page views are generated by a minority of our members. If the number of our actual members does not meet our expectations or we are unable to increase the breadth and frequency of our visiting members, then our business may not grow as fast as we expect, which will harm our operating and financial results and may cause our stock price to decline.”
• LinkedIn announced it would offer 7.84 million shares priced in a range of between $42 and $45 per share, valuing the company at $3.36 billion, higher than the initial price range of between $32 and $35 a share.
• Reached $122 now back around $80. Surged 109% on opening day One factor driving the subsequent run-up: the thin IPO float of just 7.8 million shares.
• The company earned $15.4 million in 2010 on net revenue of $243 million from roughly 100 million users. But it warned it expected revenue growth to decline and costs to rise as it pushes recruitment and reinvests in the business. It also said it would make a loss this year.
• Revenue doubled form 2009 to 2010 and went from loss to small profit
• The market value is equal to 35 times 2010 revenue of $243 million and almost 550 times 2010 profit of 17 cents a share. Google (GOOG) is valued at five times revenue and 20 times trailing earnings.
• To meet expectations Linked In would have to grow income by 82 times in the first 3 years – this is triple the rate of growth of google.
• Quote from Lise Buyer who runs an IPO consulting company and helped launch Google “There is no question that the reaction to the LinkedIn IPO demonstrates a frenzy for that one stock. But one company or group of companies do not a bubble make.”
• Groupon
• Groupon soon to IPO with an implied valuation of $5.6B.
• Google offered to buy for $6Bn
• MySpace
• The first social media roadkill
• Purchased by Rupert Murdoch in 2005 for $US 580M
• Sold 2011 to Intermix for $35M (consortium included Justin Timberlake)
• In 2006 Google announced it would pay My Space $900M to be exclusive provider of search engines on My Space (some suggested this sowed the seeds for demise as site became clunky, slow and over advertised)
• August 9th 2006, the 100 millionth account was created
• At its peak in 2007 when News corp attempted to merge it with Yahoo, it was valued at $12Bn
• User base fell from 75.9M to 34.8M in May 2011. Revenue sagged from $900M in 2008 to $109M this year
• Was most popular site in 2006 and 2007, overtaken by Facebook in April 2008
• Question is could the same happen to Facebook or Twitter or Linked In?
• Bebo
• Bebo (blog early blog often) – social networking site (similar to Facebook)
• Acquired March 2008 by AOL for $850M
• June 17 2010 sold to Criterion Capital Partners for $10M
• Apparent platform instabilities
• Caused AOL CEO to lose his job
• At one stage was number one social website in the UK

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• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.

In this episode I answer a range of questions from webinar attendees in relation to the Top Ten Tax Tips for 2011 and the Federal Budget 2011 including:

• Andrew - How to retire with a similar income to my current income?
• Tracie – How to reduce tax while working to save for a unit etc ie get deposit?
• David – Tips for building a retirement fund when starting again at age 55?
• Elani – I have started my own business as a soul trader (whilst also being employed), and my husband is employed and well paid. Is it better for me, tax-wise, to contribute to super from my self-employed income, or better for my husband to do salary sacrifice on his higher income? What would be financially the best for us as a couple?
• Kathy – How to make the most of our low income and reducing tax paid by voluntary contributing to super. Smallest tax payable, largest super contribution?
• Elle – I’m new to work and super etc. I’m also younger and really do not understand Super, or how or it works or what I need to do… etc.
• Tracie – How to reduce tax while working to save for a unit etc ie get deposit
• Felicity – How can I make an investment property work for me?
• Tony – Options to maximise payments to super for Salary Sacrifice, Spouse Contribution and post tax amounts
• Jill – Are novated leases on new vehicles a good tax saving strategy?
• Tim – What limitations are there on reducing my taxable income via receiving/making additional super contributions as an employee and/or contractor?
• Daniel – What is the most tax beneficial income stream for people near retirement using their super? IE is it what used to be called an annuity? I am a male 63 at the moment.
• Jill – Some time in the next few years I want to move to NZ. What is the best way to invest my small amount
• Greg – I am eligible to retire at the end of 2012, what do I do if the church chooses to allow me to continue working
• Peter – I have an investment property which is losing $30K pa and I can’t sell it except at a $150K loss.
• Shirley – How much super do I need to comfortably retire at 60 I am 47 now
• Evelyn – How much does one need for a good and comfortable retirement and what should one assume to be the lo
• Daniel – What is the most tax beneficial income stream for people near retirement using their super? IE is it what used to be called an annuity? I am a male 63 at the moment.
• Jim – Has the recent budget altered any of the following:
  • Non-concessional contribution levels to Christian Pensions
  • Work qualification requirements for contributions to Christian Pensions
  • Minimum draw down levels for the 2011/2012 FY
• John – Is Christian Super (Ethical Aust. Shares) performing below other Super funds that are supposedly not ethical?
• Luke – What is an easy and simple way of comparing Christian Super’s performance (rate of return and Fees)

You can download the slides to the related Top Ten Tax Tips webinar in PDF format or view the videos on the Top Ten Tax Tips Webinar Recording page.

You can download the slides to the related 2011 Federal Budget webinar in PDF format or view the videos on the Federal Budget 2011 Details Review Webinar Recording page.

Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

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If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page.

Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.

In this episode I review the 2011 Australian Federal Budget. The content was recorded during a live webinar event conducted for Christian Super members Monday 23rd May 2011 8.30pm AEST and includes the following content:

• Federal Budget 2011 Summary
• Major Spending and Spending Cuts
• Flood Levy (Tax)
• Dependent Spouse Rebate
• Minors accessing Low Income Tax Offset (LITO)
• Self Education Expenses HECS HELP
• Small Business
• Car Fringe Benefits
• Refund of excess concessional contributions
• Higher superannuation contribution caps for over 50s
• Superannuation contributions on Payslips
• Reduction in minimum pension payments
• Freeze to indexation of the family payment income thresholds
• Increase in Family Tax Benefit Part A
• Flexible Advance Payments
• Other Changes and Status of Prior Announcements

You can download the slides to the related 2011 Federal Budget webinar in PDF format or view the videos on the Federal Budget 2011 Details Review Webinar Recording page.

You can download the related slides in PDF format or view the videos on the Top Ten Tax Tips Webinar Recording page.

Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page.

Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.

In this episode I discuss the Top Ten Tax Tips for 2011 including:

• Government co-contribution
• Eligible Spouse contribution
• Personal Deductible (Concessional) Super Contributions
• Work related expenses
• Education Tax Refund
• Income Protection Insurance Premium
• Donate
• Offset capital gains with losses
• Pre-pay interest
• First Home Savers account.

You can download the related slides in PDF format or view the videos on the Top Ten Tax Tips Webinar Recording page.

Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page.

Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.

In this episode Edward Teele joins me to discuss the US Masters Residential Property Fund. It is just one of the range of managed funds coming to market providing Australian investors a means to take advantage of the combination of low property values in the United States of America, high rental returns and a strong Australian dollar by investing in U.S. residential real estate.

We are not recommending this particular investment in any way but thought it would be a useful way to discuss the ins and outs, pros and cons of investing in U.S. residential real estate.

The discussion includes:

• What conditions make investing in U.S. Residential Real Estate so attractive at the moment?
• Record high exchange rate (AUD to USD)
• U.S. Residential Property market crash (this could turn out to be a long term problem though)
• Slow economic recovery in the U.S.
• High rental yields – particularly when compared to the Australian property market
• What are the risks
• Exchange rate – whilst we are at record highs we don’t know if it is going to go even higher. Without any currency hedging a rising Australian dollar will cause problems once the money is converted to US dollars.
• Property prices – U.S. property prices have plummeted since their peak however the peak was part of a bubble and not sustainable. But what is a sustainable level?
• Rents – are rents sustainable at current levels?
• US recovery – looking pretty shaky at the moment
• Liquidity – the fund we are reviewing is to be traded on Newcastle stock exchange – not sure how liquid this will be
• Legislation – one issue from left field is will there be push back from US (and legislation) regarding foreigners buying residential property?
• Experience – this is not Dixon’s bread and butter and can we trust the legs on the ground in Hudson County i.e. Gerald the estate agent with his long hair and his offsider Desi (another estate agent)
• Concentration risk vs avoiding ghost towns or particularly challenging markets like Vegas or Miami vs diversification
• Other references and links
• The US Masters Residential Property Fund website
• Seminar Presentation Video promoting the US Masters Residential Property Fund
• Here’s a link to the ABC Radio segment with Neil Jenman of the Jenman Group and Scott Pape of the Barefoot Investor discussing a range of ways of investing in the United States of America Residential Real Estate market
• The US Masters Residential Property Fund has now closed having raised $69.5 million not quite the $80 million they were aiming for but a pretty good result for them.






Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/016-your-money-your-life%e2%80%93investing-in-u-s-residential-property/feed/ 0 Australians investing in US property,Investing,Investing in US residential property,Property investment,Property Yields,Residential Property,United States of America Real Estate,US Real Estate In this episode Edward Teele joins me to discuss the US Masters Residential Property Fund. It is just one of the range of managed funds coming to market providing Australian investors a means to take advantage of the combination of low property values ... In this episode Edward Teele joins me to discuss the US Masters Residential Property Fund. It is just one of the range of managed funds coming to market providing Australian investors a means to take advantage of the combination of low property values in the United States of America, high rental returns and a strong Australian dollar by investing in U.S. residential real estate. We are not recommending this particular investment in any way but thought it would be a useful way to discuss the ins and outs, pros and cons of investing in U.S. residential real estate. The discussion includes: What conditions make investing in U.S. Residential Real Estate so attractive at the moment? Record high exchange rate (AUD to USD) U.S. Residential Property market crash (this could turn out to be a long term problem though) Slow economic recovery in the U.S. High rental yields - particularly when compared to the Australian property market What are the risks Exchange rate - whilst we are at record highs we don't know if it is going to go even higher. Without any currency hedging a rising Australian dollar will cause problems once the money is converted to US dollars. Property prices - U.S. property prices have plummeted since their peak however the peak was part of a bubble and not sustainable. But what is a sustainable level? Rents - are rents sustainable at current levels? US recovery - looking pretty shaky at the moment Liquidity - the fund we are reviewing is to be traded on Newcastle stock exchange - not sure how liquid this will be Legislation - one issue from left field is will there be push back from US (and legislation) regarding foreigners buying residential property? Experience - this is not Dixon's bread and butter and can we trust the legs on the ground in Hudson County i.e. Gerald the estate agent with his long hair and his offsider Desi (another estate agent) Concentration risk vs avoiding ghost towns or particularly challenging markets like Vegas or Miami vs diversification Other references and links The US Masters Residential Property Fund website Seminar Presentation Video promoting the US Masters Residential Property Fund Here's a link to the ABC Radio segment with Neil Jenman of the Jenman Group and Scott Pape of the Barefoot Investor discussing a range of ways of investing in the United States of America Residential Real Estate market The US Masters Residential Property Fund has now closed having raised $69.5 million not quite the $80 million they were aiming for but a pretty good result for them. Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 36:35 http://www.cornerstonewealth.com.au/015-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-part-2/#utm_source=rss&utm_medium=rss&utm_campaign=015-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-part-2 http://www.cornerstonewealth.com.au/015-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-part-2/#comments Mon, 13 Jun 2011 03:57:37 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1728

This is the second and final podcast where I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss the Top Ten Investment Lessons from the Global Financial Crisis. We address tips 3 to 10 plus a few extra tips from Ed at the end: Lesson 3 – Liquidity, liquidity, [...]]]>







This is the second and final podcast where I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss the Top Ten Investment Lessons from the Global Financial Crisis. We address tips 3 to 10 plus a few extra tips from Ed at the end:




• Lesson 3 – Liquidity, liquidity, liquidity
• Do Invest in company’s that will be hard to sell in less buoyant times
• Don’t use large portions of gearing
• Don’t invest in heavily in debt companies (you find out who has been swimming naked when the tied goes out)
• Don’t assume that banks will be lenient in tough times when loan covenants are breached
• BHP with many shareholders including many institutional shareholders it is relative easy to match sellers with a buyers whereas selling shares in a company with a limited number of shareholders in difficult times could be challenging because a corresponding buyer cannot be found.
• Lesson 4 – Rapid expansion
• Don’t invest in companies that have pursued rapid expansion overseas or rapid expansion locally
• Don’t invest in companies with questionable financial disclosure policies
• ABC Learning was an example
• Lesson 5 – Structured products
• Don’t invest in a capital guaranteed or structured product
• Don’t invest in investments you don’t understand
• Opes Prime
• If you think a knock out event only happens in a boxing fight steer clear of structured products
• Do read the fine print
• Don’t assume that all providers of guarantees will be good for the dough
• Do understand that getting your money back 5 or 7 years later is a loss (i.e. $100 now is not worth than $100 in 5 or 7 years due to inflation)
• Lesson 6 – Understand the motivations of product providers/sellers
• Avoid buying investments from sales sharks being paid large upfront commissions
• Follow the money trail to understand motivations i.e. what are the providers getting out of the arrangement?
• Lesson 7 – Don’t let the tax tale tail wag the investment dog
• Timbercorp
• Great Southern
• Lesson 8 – Age old investment rules
• Don’t throw out age old investment rules
• Match you liabilities and assets as best you can
• Don’t finance long term assets with short term debt
• Pay dividends from earnings not capital (as Transurban did)
• Profits are required for a business to be sustainable (during the early 2000’s tech reck this principle was thrown out the window)
• Lesson 9 – Continually do your due diligence
• Do keep to your investment standards
• Don’t get slack in the boom times
• One of the signs of a bubble is where a “cash box” list on the stock exchange – a business lists to raise capital with no clear plan of how to use it
• Lesson 10 – Risk and Return are related
• Don’t forget that risk and return are related
• Don’t increase your risk for limited additional reward
• Extra Lesson – Ed’s additional bonus tips to identify a nearing bust (boom period about to turn into a bust)
• When your plumber or florist suddenly retires to “day trade” (trade stocks full time on the market) it is time to sell up
• When the number of financial engineers outweigh the number of real engineers the end is nigh
• If you think a knock out event is something that only happens in a boxing fight then you probably shouldn’t be investing in a structured product






Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

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I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




Become a fan on Facebook

If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/015-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-part-2/feed/ 0 This is the second and final podcast where I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss the Top Ten Investment Lessons from the Global Financial Crisis. We address tips 3 to 10 plus a few extra tips from ... This is the second and final podcast where I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss the Top Ten Investment Lessons from the Global Financial Crisis. We address tips 3 to 10 plus a few extra tips from ... Cornerstone Wealth - Financial Planning and Investment Advice no 37:46 Personal,Finance,Money,Management,Retirement,Retirement,Planning,Superannuation,Self,Managed,Superannuation,Fund,SMSF,Investing,Property,Investing,Shares,Estate,Planning,Wealth,Transfer,Aged,Care,Retirement,Living,Purposeful,Retirement http://www.cornerstonewealth.com.au/014-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-do-not-leverage-to-the-hilt-do-not-assume-that-asset-prices-never-fall/#utm_source=rss&utm_medium=rss&utm_campaign=014-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-do-not-leverage-to-the-hilt-do-not-assume-that-asset-prices-never-fall http://www.cornerstonewealth.com.au/014-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-do-not-leverage-to-the-hilt-do-not-assume-that-asset-prices-never-fall/#comments Wed, 01 Jun 2011 18:20:33 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1700

In this series of podcasts I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss Top Ten Investment Lessons from the Global Financial Crisis: Investment Lesson number 1 from the Global Financial Crisis – Do not leverage to the hilt – Do not borrow too much – Leave yourself [...]]]>







In this series of podcasts I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss Top Ten Investment Lessons from the Global Financial Crisis:




• Investment Lesson number 1 from the Global Financial Crisis – Do not leverage to the hilt – Do not borrow too much – Leave yourself a margin of safety
• Investment Lesson number 2 from the Global Financial Crisis – Do not assume that asset prices never fall – Do not assume asset prices won’t fall more than 10% – Do not assume asset prices allows go up




Other topics discussed:




• Property prices
• Investment fundamentals
• Japanese earthquake and tsunami
• Gerry Harvey
• Global Financial Crisis
• Superannuation balances falling during Global Financial Crisis
• Short investment memories – we often project our expected investment return based on our immediate past experience
• Short Memories by Midnight Oil Peter Garrett
• Risk profiles
• Negative investment returns
• Asset classes
• Align your investments to your circumstances



Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/014-your-money-your-life-top-ten-investment-lessons-from-the-global-financial-crisis-do-not-leverage-to-the-hilt-do-not-assume-that-asset-prices-never-fall/feed/ 0 Asset classes,Asset prices,Borrow to invest,Debt,Global Financial Crisis,Investing fundamentals,Investment Returns,Investments,Lending,Leverage In this series of podcasts I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss Top Ten Investment Lessons from the Global Financial Crisis: Investment Lesson number 1 from the Global Financial Crisis - Do ... In this series of podcasts I am joined by self confessed financial geek Edward Teele (and my swimming buddy) to discuss Top Ten Investment Lessons from the Global Financial Crisis: Investment Lesson number 1 from the Global Financial Crisis - Do not leverage to the hilt - Do not borrow too much - Leave yourself a margin of safety Investment Lesson number 2 from the Global Financial Crisis - Do not assume that asset prices never fall - Do not assume asset prices won't fall more than 10% - Do not assume asset prices allows go up Other topics discussed: Property prices Investment fundamentals Japanese earthquake and tsunami Gerry Harvey Global Financial Crisis Superannuation balances falling during Global Financial Crisis Short investment memories - we often project our expected investment return based on our immediate past experience Short Memories by Midnight Oil Peter Garrett Risk profiles Negative investment returns Asset classes Align your investments to your circumstances Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 33:09 http://www.cornerstonewealth.com.au/013-your-money-your-life-superannuation-question-and-answer-session/#utm_source=rss&utm_medium=rss&utm_campaign=013-your-money-your-life-superannuation-question-and-answer-session http://www.cornerstonewealth.com.au/013-your-money-your-life-superannuation-question-and-answer-session/#comments Wed, 01 Jun 2011 17:04:26 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1690

In this episode I continue to address superannuation basics with a question and answer session in parts 9 and 10 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you want to understand why I have completed this series on superannuation Check out Your Money Your Life Podcast 011 to [...]]]>







In this episode I continue to address superannuation basics with a question and answer session in parts 9 and 10 of a webinar audio recording:




• Check out Your Money Your Life Podcast 010 if you want to understand why I have completed this series on superannuation
• Check out Your Money Your Life Podcast 011 to learn about some of the strategies already discussed




Part 9 of the Superannuation Webinar audio recording includes responses to the following questions:

• Should I organising ‘transition to retirement’ strategy?
• Should an inheritance be contributed to super and is it costly?
• I have $160,000 in Super. I was born 1950. Do I need to keep working after I turn 65?
• I want to retire at the end of 2012. What steps should I take to prepare both financially and in other areas?
• Is entering a retirement village a good idea?
• My husband and I are 60, we have virtually no super except for $350,000 we expect to get from the sale of a unit soon (we own our house) how can we invest this money in super or fixed deposits to maximize our retirement “super” savings?
• My wife has no superannuation and has not worked (paid) for 30 years. Is there any benefit — indeed, is she eligible — in me contributing to super for her?
• Please explain how pre 1983 contributions affect tax at retirement. Please show an example of how the tax will change if I put a lump sum into my super prior to retirement. i.e. proceeds from the sale of a property. One of my super funds has not had contributions tax paid yet.
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Part 10 of the Superannuation Webinar audio recording includes responses to the following questions:

• We’re faith-based missionaries about 15 years out from formal retirement. How can we best prepare for retirement?
• What are the four most important things to consider when planning for transition to retirement?
• What insurances can be paid out of Super, and what are the benefits of paying this way as opposed to paying out of after tax earnings?
• What is the best strategy for investing super when close to retirement? How do I get my super fund to spread the risk or does it really matter. Should it all be in cash?
• What is the most important thing that we can be doing now as a young couple that will have the biggest impact when we come to retire?
• Can my wife and I combine our superannuation accounts?
• Is it possible at age 50 on a low income (Approx. $40,000 p.a.) to still be able to build up super before retirement?
• Purchasing an investment property through Super
• I’m 29 years old, full time student, wife is working, no kids, what should we focus on?
• Thank you from Jim
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube



Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/013-your-money-your-life-superannuation-question-and-answer-session/feed/ 0 Inheritance,Insurance,Purchasing an Investment Property through Super,Superannuation,Transition to Retirement In this episode I continue to address superannuation basics with a question and answer session in parts 9 and 10 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you want to understand why I have completed this series o... In this episode I continue to address superannuation basics with a question and answer session in parts 9 and 10 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you want to understand why I have completed this series on superannuation Check out Your Money Your Life Podcast 011 to learn about some of the strategies already discussed Part 9 of the Superannuation Webinar audio recording includes responses to the following questions: Should I organising 'transition to retirement' strategy? Should an inheritance be contributed to super and is it costly? I have $160,000 in Super. I was born 1950. Do I need to keep working after I turn 65? I want to retire at the end of 2012. What steps should I take to prepare both financially and in other areas? Is entering a retirement village a good idea? My husband and I are 60, we have virtually no super except for $350,000 we expect to get from the sale of a unit soon (we own our house) how can we invest this money in super or fixed deposits to maximize our retirement "super" savings? My wife has no superannuation and has not worked (paid) for 30 years. Is there any benefit -- indeed, is she eligible -- in me contributing to super for her? Please explain how pre 1983 contributions affect tax at retirement. Please show an example of how the tax will change if I put a lump sum into my super prior to retirement. i.e. proceeds from the sale of a property. One of my super funds has not had contributions tax paid yet. The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 10 of the Superannuation Webinar audio recording includes responses to the following questions: We're faith-based missionaries about 15 years out from formal retirement. How can we best prepare for retirement? What are the four most important things to consider when planning for transition to retirement? What insurances can be paid out of Super, and what are the benefits of paying this way as opposed to paying out of after tax earnings? What is the best strategy for investing super when close to retirement? How do I get my super fund to spread the risk or does it really matter. Should it all be in cash? What is the most important thing that we can be doing now as a young couple that will have the biggest impact when we come to retire? Can my wife and I combine our superannuation accounts? Is it possible at age 50 on a low income (Approx. $40,000 p.a.) to still be able to build up super before retirement? Purchasing an investment property through Super I'm 29 years old, full time student, wife is working, no kids, what should we focus on? Thank you from Jim The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 24:50 http://www.cornerstonewealth.com.au/012-your-money-your-life-how-and-when-you-can-access-your-superannuation-and-deductible-contributions-to-offset-capital-gains-tax/#utm_source=rss&utm_medium=rss&utm_campaign=012-your-money-your-life-how-and-when-you-can-access-your-superannuation-and-deductible-contributions-to-offset-capital-gains-tax http://www.cornerstonewealth.com.au/012-your-money-your-life-how-and-when-you-can-access-your-superannuation-and-deductible-contributions-to-offset-capital-gains-tax/#comments Wed, 27 Apr 2011 15:56:42 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1632

In this episode I continue to address superannuation basics with parts 6, 7 and 8 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you to understand why I have completed this series on superannuation Check out Your Money Your Life Podcast 011 to learn about some of the strategies [...]]]>







In this episode I continue to address superannuation basics with parts 6, 7 and 8 of a webinar audio recording:




• Check out Your Money Your Life Podcast 010 if you to understand why I have completed this series on superannuation
• Check out Your Money Your Life Podcast 011 to learn about some of the strategies already discussed




Part 6 of the Superannuation Webinar audio recording includes:

• When can you access your Superannuation?
• How can you access your Superannuation?
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Part 7 of the Superannuation Webinar audio recording includes:

• How can you access your superannuation?
• Binding Death Nomination
• Deductible (Concessional) Superannuation Contributions to offset capital gains tax on the sale of an asset (e.g. an investment property)
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Part 8 of the Superannuation Webinar audio recording includes:

• Further resources:
• Cornerstone Wealth Personal Financial Advice call 1300 275 428 or complete the contact us form
• Podcast – Ask a question by calling 1300 275 428 (1300 ASK GAV) and selecting option 1
• Listen via www.cornerstonewealth.com.au or iTunes (or search for Your Money Your Life)
• Christian Super Help Desk 1300 360 907
• Christian Super website www.christiansuper.com.au
• Christian Super calculator www.christiansuper.com.au/calculator
• Should an inheritance be contributed to super and is it costly?
• When and how should we go about selling an investment property and contributing it to super?
• Should I set up a binding death nomination directed to my estate with a testamentary trust allowed for in my will?
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube



Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/012-your-money-your-life-how-and-when-you-can-access-your-superannuation-and-deductible-contributions-to-offset-capital-gains-tax/feed/ 0 Binding Death Nomination,capital gains tax,Deductible (Concessional) Superannuation Contributions to offset capital gains tax on the sale of an asset (e.g. an investment property),How can you access your Superannuation,selling investment property, In this episode I continue to address superannuation basics with parts 6, 7 and 8 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you to understand why I have completed this series on superannuation In this episode I continue to address superannuation basics with parts 6, 7 and 8 of a webinar audio recording: Check out Your Money Your Life Podcast 010 if you to understand why I have completed this series on superannuation Check out Your Money Your Life Podcast 011 to learn about some of the strategies already discussed Part 6 of the Superannuation Webinar audio recording includes: When can you access your Superannuation? How can you access your Superannuation? The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 7 of the Superannuation Webinar audio recording includes: How can you access your superannuation? Binding Death Nomination Deductible (Concessional) Superannuation Contributions to offset capital gains tax on the sale of an asset (e.g. an investment property) The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 8 of the Superannuation Webinar audio recording includes: Further resources: Cornerstone Wealth Personal Financial Advice call 1300 275 428 or complete the contact us form Podcast – Ask a question by calling 1300 275 428 (1300 ASK GAV) and selecting option 1 Listen via www.cornerstonewealth.com.au or iTunes (or search for Your Money Your Life) Christian Super Help Desk 1300 360 907 Christian Super website www.christiansuper.com.au Christian Super calculator www.christiansuper.com.au/calculator Should an inheritance be contributed to super and is it costly? When and how should we go about selling an investment property and contributing it to super? Should I set up a binding death nomination directed to my estate with a testamentary trust allowed for in my will? The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 37:47 http://www.cornerstonewealth.com.au/011-your-money-your-life-inflation-federal-budget-insurance-in-super-salary-sacrifice-transition-to-retirement-strategy/#utm_source=rss&utm_medium=rss&utm_campaign=011-your-money-your-life-inflation-federal-budget-insurance-in-super-salary-sacrifice-transition-to-retirement-strategy http://www.cornerstonewealth.com.au/011-your-money-your-life-inflation-federal-budget-insurance-in-super-salary-sacrifice-transition-to-retirement-strategy/#comments Thu, 21 Apr 2011 17:11:00 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1625

In this episode I discuss the following and include content from a recent superannuation webinar: Happy Easter Personal news Federal Budget Inflation 30% more to produce the same product in China Part 3 of the Superannuation Webinar audio recording includes: Personal Insurance Life Insurance Total Permanent Disability Insurance Trauma Insurance Income Protection Insurance Why hold [...]]]>







In this episode I discuss the following and include content from a recent superannuation webinar:

• Happy Easter
• Personal news
• Federal Budget
• Inflation
• 30% more to produce the same product in China




Part 3 of the Superannuation Webinar audio recording includes:

• Personal Insurance
• Life Insurance
• Total Permanent Disability Insurance
• Trauma Insurance
• Income Protection Insurance
• Why hold insurance through superannuation?
• Considerations for holding insurance within superannuation
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Part 4 of the Superannuation Webinar audio recording includes:

• Government Co-contribution
• Eligible Spouse Contributions
• How does Salary Sacrifice work
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube







Part 5 of the Superannuation Webinar audio recording includes:

• Transition to Retirement Strategy
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube



Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/011-your-money-your-life-inflation-federal-budget-insurance-in-super-salary-sacrifice-transition-to-retirement-strategy/feed/ 0 Federal Budget,Income Protection Insurance,Inflation,Insurance in Super,Life insurance,Salary Continuance,Salary Sacrifice and Transition to Retirement Strategy,Total Permanent Disability Insurance,Trauma Insurance In this episode I discuss the following and include content from a recent superannuation webinar: Happy Easter Personal news Federal Budget Inflation 30% more to produce the same product in China In this episode I discuss the following and include content from a recent superannuation webinar: Happy Easter Personal news Federal Budget Inflation 30% more to produce the same product in China Part 3 of the Superannuation Webinar audio recording includes: Personal Insurance Life Insurance Total Permanent Disability Insurance Trauma Insurance Income Protection Insurance Why hold insurance through superannuation? Considerations for holding insurance within superannuation The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 4 of the Superannuation Webinar audio recording includes: Government Co-contribution Eligible Spouse Contributions How does Salary Sacrifice work The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 5 of the Superannuation Webinar audio recording includes: Transition to Retirement Strategy The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 33:36 http://www.cornerstonewealth.com.au/010-your-money-your-life-transferring-assets-to-a-smsf-and-superannuation-basics/#utm_source=rss&utm_medium=rss&utm_campaign=010-your-money-your-life-transferring-assets-to-a-smsf-and-superannuation-basics http://www.cornerstonewealth.com.au/010-your-money-your-life-transferring-assets-to-a-smsf-and-superannuation-basics/#comments Mon, 18 Apr 2011 18:15:56 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1614

In this episode I answer Doug’s question about transferring silver bullion into his Self Managed Super Fund address superannuation basics with first two parts of a webinar audio recording: Can you transfer assets including silver bullion and coins held in your own name into your self managed super fund (SMSF)> Related party transactions Exchange Traded [...]]]>







In this episode I answer Doug’s question about transferring silver bullion into his Self Managed Super Fund address superannuation basics with first two parts of a webinar audio recording:

• Can you transfer assets including silver bullion and coins held in your own name into your self managed super fund (SMSF)>
• Related party transactions
• Exchange Traded Commodity Funds
• Self Managed Super Fund Investment Strategy
• Trustee obligations




Part 1 of the Superannuation Webinar audio recording includes:

• General Advice Disclaimer
• Personal Financial Advice process
• What is Superannuation?
• How does Superannuation work?
• Why use Superannuation to save for your retirement?
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Part 2 of the Superannuation Webinar audio recording includes:

• Superannuation Contribution Limits
• Advantages of Superannuation
• Features of Christian Super
• The video is available at www.cornerstonewealth.com.au/supervideo or via youtube
• All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube




Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/010-your-money-your-life-transferring-assets-to-a-smsf-and-superannuation-basics/feed/ 0 Advantages of Superannuation,Christian Super,coins,Exchange Traded Commodity Funds,How does Superannuation work,Investment Strategy,related party transactions,self managed superannuation fund,silver bullion,SMSF,Superannuation Contribution Limits, In this episode I answer Doug's question about transferring silver bullion into his Self Managed Super Fund address superannuation basics with first two parts of a webinar audio recording: Can you transfer assets including silver bullion and coins ... In this episode I answer Doug's question about transferring silver bullion into his Self Managed Super Fund address superannuation basics with first two parts of a webinar audio recording: Can you transfer assets including silver bullion and coins held in your own name into your self managed super fund (SMSF)> Related party transactions Exchange Traded Commodity Funds Self Managed Super Fund Investment Strategy Trustee obligations Part 1 of the Superannuation Webinar audio recording includes: General Advice Disclaimer Personal Financial Advice process What is Superannuation? How does Superannuation work? Why use Superannuation to save for your retirement? The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Part 2 of the Superannuation Webinar audio recording includes: Superannuation Contribution Limits Advantages of Superannuation Features of Christian Super The video is available at www.cornerstonewealth.com.au/supervideo or via youtube All 10 videos on superannuation are available at www.cornerstonewealth.com.au/supervideo or via youtube Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 33:37 http://www.cornerstonewealth.com.au/009-your-money-your-life-the-pros-and-cons-of-a-home-based-business-with-fiona-lippey-of-simplesavings/#utm_source=rss&utm_medium=rss&utm_campaign=009-your-money-your-life-the-pros-and-cons-of-a-home-based-business-with-fiona-lippey-of-simplesavings http://www.cornerstonewealth.com.au/009-your-money-your-life-the-pros-and-cons-of-a-home-based-business-with-fiona-lippey-of-simplesavings/#comments Mon, 04 Apr 2011 00:51:02 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1598

In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: How to balance family life and a home based business Pursuing your passion Taking a business from the corner of the lounge room to employing 10 staff How fast should you grow a business? Re-investing in the business The benefit of financial challenges early [...]]]>







In this episode I chat with Fiona Lippey of SimpleSavings.com.au about:

• How to balance family life and a home based business
• Pursuing your passion
• Taking a business from the corner of the lounge room to employing 10 staff
• How fast should you grow a business?
• Re-investing in the business
• The benefit of financial challenges early in the business cycle – you have to eat bad food to know how nice good food is
• Effort and reward – planting the seeds of growth
• Debt street on Today Tonight
• Transitioning from full time employment to running your own business
• Debt and business
• Drawbacks of a home based business
• Creating family and business boundaries and the flexibility of running the show
• Balancing business opportunities and time limitations
• Teaching your children about money, business and life
• The $21 Day Challenge by Fiona Lippey & Jackie Gower available at SimpleSavings.com.au




Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/009-your-money-your-life-the-pros-and-cons-of-a-home-based-business-with-fiona-lippey-of-simplesavings/feed/ 0 $21 Day Challenge,balance work and family,Fiona Lippey,Home based business,home business,SimpleSavings,work life balance In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: How to balance family life and a home based business Pursuing your passion Taking a business from the corner of the lounge room to employing 10 staff In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: How to balance family life and a home based business Pursuing your passion Taking a business from the corner of the lounge room to employing 10 staff How fast should you grow a business? Re-investing in the business The benefit of financial challenges early in the business cycle - you have to eat bad food to know how nice good food is Effort and reward - planting the seeds of growth Debt street on Today Tonight Transitioning from full time employment to running your own business Debt and business Drawbacks of a home based business Creating family and business boundaries and the flexibility of running the show Balancing business opportunities and time limitations Teaching your children about money, business and life The $21 Day Challenge by Fiona Lippey & Jackie Gower available at SimpleSavings.com.au Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 33:22 http://www.cornerstonewealth.com.au/008-your-money-your-life-fiona-lippey-of-simplesavings-com-au-on-living-cheap-and-living-well/#utm_source=rss&utm_medium=rss&utm_campaign=008-your-money-your-life-fiona-lippey-of-simplesavings-com-au-on-living-cheap-and-living-well http://www.cornerstonewealth.com.au/008-your-money-your-life-fiona-lippey-of-simplesavings-com-au-on-living-cheap-and-living-well/#comments Mon, 28 Mar 2011 05:01:42 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1576

In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: The story behind Simple Savings How SimpleSavingsings.com.au started The Simple Savings mortgage calculator – how much interest can you save with a single extra mortgage payment? Fiona’s view on debt Grocery shopping every 3 months Is it better to buy in bulk? The Stop, [...]]]>







In this episode I chat with Fiona Lippey of SimpleSavings.com.au about:

• The story behind Simple Savings
• How SimpleSavingsings.com.au started
• The Simple Savings mortgage calculator – how much interest can you save with a single extra mortgage payment?
• Fiona’s view on debt
• Grocery shopping every 3 months
• Is it better to buy in bulk?
• The Stop, Think, Save principle
• Top 3 tips for saving money and time
• and much more…




Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/008-your-money-your-life-fiona-lippey-of-simplesavings-com-au-on-living-cheap-and-living-well/feed/ 2 Budgeting,Contentment,Debt,Fiona Lippey,Living cheap,Living well,Minimising debt,Simple Savings In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: The story behind Simple Savings How SimpleSavingsings.com.au started The Simple Savings mortgage calculator - how much interest can you save with a single extra mortgage pa... In this episode I chat with Fiona Lippey of SimpleSavings.com.au about: The story behind Simple Savings How SimpleSavingsings.com.au started The Simple Savings mortgage calculator - how much interest can you save with a single extra mortgage payment? Fiona's view on debt Grocery shopping every 3 months Is it better to buy in bulk? The Stop, Think, Save principle Top 3 tips for saving money and time and much more... Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 39:01 http://www.cornerstonewealth.com.au/007-your-money-your-life-mortgage-vs-superannuation-vs-shares-vs-property-when-you-are-in-your-mid-twenties-or-early-thirties/#utm_source=rss&utm_medium=rss&utm_campaign=007-your-money-your-life-mortgage-vs-superannuation-vs-shares-vs-property-when-you-are-in-your-mid-twenties-or-early-thirties http://www.cornerstonewealth.com.au/007-your-money-your-life-mortgage-vs-superannuation-vs-shares-vs-property-when-you-are-in-your-mid-twenties-or-early-thirties/#comments Wed, 16 Mar 2011 16:08:54 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1541

In this episode I answer Geoff’s question about the investment priorities if you are in your mid twenties and own your home (with a mortgage): Japanese earthquake, tsunami and subsequent share market slump Japanese central bank 20 Trillion Yen ($250 Billion) cash injection Future Fund chairman David Murray states “The relationship between house prices and [...]]]>







In this episode I answer Geoff’s question about the investment priorities if you are in your mid twenties and own your home (with a mortgage):

1. Japanese earthquake, tsunami and subsequent share market slump
2. Japanese central bank 20 Trillion Yen ($250 Billion) cash injection
3. Future Fund chairman David Murray states “The relationship between house prices and incomes is uncomfortably high” and “…by any set of normal measures, house prices in Australia are high”
4. Australian house prices remain the most overvalued in the world, according to the latest survey of global house prices by The Economist magazine.
5. Based on a historical gauge of home prices to rents between 1975-2010, the magazine estimates that Australian residences are 56 per cent over-valued, exceeding the 54 per cent over-priced rate in Hong Kong and 48 per cent in France.
6. Superannuation – government co-contribution
7. Mortgage repayments
8. Property investment
9. Diversified share investments
10. www.MasterMyMoney.com.au 7 step to true financial freedom
11. First Home Saver Account blog
12. First Home Saver Account Podcast
13. Exchange Traded Funds




Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

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If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
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]]> http://www.cornerstonewealth.com.au/007-your-money-your-life-mortgage-vs-superannuation-vs-shares-vs-property-when-you-are-in-your-mid-twenties-or-early-thirties/feed/ 0 invest in property,invest in shares,invest through super,Pay off home mortgage In this episode I answer Geoff's question about the investment priorities if you are in your mid twenties and own your home (with a mortgage): Japanese earthquake, tsunami and subsequent share market slump In this episode I answer Geoff's question about the investment priorities if you are in your mid twenties and own your home (with a mortgage): Japanese earthquake, tsunami and subsequent share market slump Japanese central bank 20 Trillion Yen ($250 Billion) cash injection Future Fund chairman David Murray states "The relationship between house prices and incomes is uncomfortably high" and "...by any set of normal measures, house prices in Australia are high" Australian house prices remain the most overvalued in the world, according to the latest survey of global house prices by The Economist magazine. Based on a historical gauge of home prices to rents between 1975-2010, the magazine estimates that Australian residences are 56 per cent over-valued, exceeding the 54 per cent over-priced rate in Hong Kong and 48 per cent in France. Superannuation - government co-contribution Mortgage repayments Property investment Diversified share investments www.MasterMyMoney.com.au 7 step to true financial freedom First Home Saver Account blog First Home Saver Account Podcast Exchange Traded Funds Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 30:52 http://www.cornerstonewealth.com.au/006-your-money-your-life-first-home-saver-account-good-for-young-and-old-alike/#utm_source=rss&utm_medium=rss&utm_campaign=006-your-money-your-life-first-home-saver-account-good-for-young-and-old-alike http://www.cornerstonewealth.com.au/006-your-money-your-life-first-home-saver-account-good-for-young-and-old-alike/#comments Mon, 07 Mar 2011 15:48:08 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1527

In this episode I discuss the First Home Saver Account. Reasons for the lack of uptake in First Home Saver Accounts. How does the First Home Saver Account work? What’s the catch with First Home Saver Accounts? What are the Eligibility criteria of First Home Saver Accounts? Case studies including why the account may be [...]]]>







In this episode I discuss the First Home Saver Account.

1. Reasons for the lack of uptake in First Home Saver Accounts.
2. How does the First Home Saver Account work?
3. What’s the catch with First Home Saver Accounts?
4. What are the Eligibility criteria of First Home Saver Accounts?
5. Case studies including why the account may be suitable for older Australians




Further information

1. First Home Saver Account blog article
2. Australian Securities and Investments Commission (ASIC), which has developed a calculator on its FIDO website that might assist you in making a decision about whether these accounts will be suitable for you.
3. Australian Prudential Regulation Authority (APRA), which maintains a list of first home saver account providers.
4. Australian Taxation Office has produced some Fact Sheets
5. Choice – Reviews some of the FHSA providers




Other items mentioned during the podcast

1. First Home Saver Account blog article
2. NSW Church of Christ Pastor’s Financial Boot Camp
3. Geoff Brailey – inspiring pastor, author, blogger



Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

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I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/006-your-money-your-life-first-home-saver-account-good-for-young-and-old-alike/feed/ 1 Buying your first home,Co-contribution,First Home,First Home Saver Account,Saving for retirement In this episode I discuss the First Home Saver Account. Reasons for the lack of uptake in First Home Saver Accounts. How does the First Home Saver Account work? What’s the catch with First Home Saver Accounts? In this episode I discuss the First Home Saver Account. Reasons for the lack of uptake in First Home Saver Accounts. How does the First Home Saver Account work? What’s the catch with First Home Saver Accounts? What are the Eligibility criteria of First Home Saver Accounts? Case studies including why the account may be suitable for older Australians Further information First Home Saver Account blog article Australian Securities and Investments Commission (ASIC), which has developed a calculator on its FIDO website that might assist you in making a decision about whether these accounts will be suitable for you. Australian Prudential Regulation Authority (APRA), which maintains a list of first home saver account providers. Australian Taxation Office has produced some Fact Sheets Choice - Reviews some of the FHSA providers Other items mentioned during the podcast First Home Saver Account blog article NSW Church of Christ Pastor's Financial Boot Camp Geoff Brailey - inspiring pastor, author, blogger Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 28:17 http://www.cornerstonewealth.com.au/005-your-money-your-life-i%e2%80%93am-concerned-about-another-sharemarket-crash-should-i-change-my-investments/#utm_source=rss&utm_medium=rss&utm_campaign=005-your-money-your-life-i%25e2%2580%2593am-concerned-about-another-sharemarket-crash-should-i-change-my-investments http://www.cornerstonewealth.com.au/005-your-money-your-life-i%e2%80%93am-concerned-about-another-sharemarket-crash-should-i-change-my-investments/#comments Mon, 28 Feb 2011 01:16:25 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1505

In this episode I address the following question from Tony Tony’s Question I am getting nervous about the current state of the stock market and what I see as a very real danger of another crash. We talked about a strategy of switching from my current super ethical share investment to perhaps ethical balanced or [...]]]>







In this episode I address the following question from Tony




Tony’s Question




I am getting nervous about the current state of the stock market and what I see as a very real danger of another crash. We talked about a strategy of switching from my current super ethical share investment to perhaps ethical balanced or even ethical stable. You indicated that a good strategy may be to switch when the value of the Australian Share market reached pre crash levels.




My concern is that my super has now grown quite well over the past 12 months and at 50 should I take the loss that has already occurred and switch to a lower risk environment. My balance at June 30 last year was $186,000 and now stands at $226,000 and total contributions by myself and my employer during this period has been around $16,000.




I am really feeling a bit tense about this so your thoughts would be appreciated. This was heightened by comments in the latest CS newsletter this week.




Summary of Gavin’s Answer




Thanks for your question and the opportunity to respond to it.




If you are feeling uncomfortable with your level of risk and are failing the ‘sleep test’ (i.e. are you losing sleep over it) then it is wise to move to a more conservative portfolio. This will not only reduce your risk level and therefore volatility in your superannuation portfolio, but will help you sleep more peacefully. There are however a few qualifying factors to consider before making any changes:




1. Returns – is the expected return of the portfolio you are considering sufficient to achieve your long term goals?
2. Knee jerk reaction – are your feelings of uncertainty a knee jerk reaction to a narrow set of information (e.g. an alarmist newspaper report) without taking into account other balancing factors? And secondly, will you decide to move to a higher risk portfolio sometime in the future when the news you are taking in is more positive. Attempting to time the market is fraught with danger as it often results in selling in a low market and buying when prices are high again.
3. Time frame – if you do not have access to the funds or do not plan to use the funds for 7+ years, there is sufficient time to see markets return even if there is another market down turn. In this case, you may consider maintaining your current level of risk/return to be a viable option.

Other comments




1. Recouping your pre GFC value – In the Investment Options webinar I explained the idea of leaving your superannuation money in the pre Global Financial Crisis investment option until the value returns to pre GFC highs. The reason for this is if you change to a lower risk portfolio it could take many years (if ever) to recoup the value of your investments e.g. if you were in Ethical Shares and saw your portfolio value drop 50% and then switched to 100% cash it could take 25 years to get back to the pre GFC value (if you factor in inflation).
2. Your age in bonds – a novel method of deciding the level of risk to take in your portfolio is to hold your age in bonds (defensive assets). That’s right, if you are 50 years of age then this method suggests holding 50% of your assets in what Christian Super calls defensive assets and 50% in growth assets. This would mean investing in the Ethical Balanced option. If you are 30 years of age then this would mean investing in the Ethical Growth option which has 33% defensive assets.
3. Adviser Relationship - as part of the financial planning process we seek to understand your goals and investment timeframe. We assess your Risk Profile to determine the most suitable portfolio for your specific needs. One of the benefits of an adviser relationship is that we keep you on the path that is right for you. Often this involves revisiting the original reasons for taking a particular approach, checking if those reasons are still valid.

Further comments




• Magellan Fund under Peter Lynch – I mentioned the Peter Magellan fund during the podcast. It is not the Peter Magellan fund but the Fidelity Magellan Fund which Peter Lynch managed from 1977 to 1990, during which time the fund’s assets grew from $20 million to $14 billion. More importantly, Lynch reportedly beat the S&P 500 Index benchmark in 11 of those 13 years, achieving an annual average return of 29%. I’ll update this page with a link to the research showing that individual investor returns were a lot lower than the fund return of over 29% due to investors getting into the fund during market highs and getting out during market lows (buying high and selling low).

Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show

iTunes

• You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.




If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.




There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.




Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/005-your-money-your-life-i%e2%80%93am-concerned-about-another-sharemarket-crash-should-i-change-my-investments/feed/ 0 Benefits of an adviser relationship,Global Financial Crisis,Hold your age in bonds,Investing,Investment Returns,Investment Timeframe,Recouping your pre GFC value,Retirement Planning,Share market crash,stock market crash,Superannuation,Timing the market In this episode I address the following question from Tony Tony's Question I am getting nervous about the current state of the stock market and what I see as a very real danger of another crash. We talked about a strategy of switching from my current... In this episode I address the following question from Tony Tony's Question I am getting nervous about the current state of the stock market and what I see as a very real danger of another crash. We talked about a strategy of switching from my current super ethical share investment to perhaps ethical balanced or even ethical stable. You indicated that a good strategy may be to switch when the value of the Australian Share market reached pre crash levels. My concern is that my super has now grown quite well over the past 12 months and at 50 should I take the loss that has already occurred and switch to a lower risk environment. My balance at June 30 last year was $186,000 and now stands at $226,000 and total contributions by myself and my employer during this period has been around $16,000. I am really feeling a bit tense about this so your thoughts would be appreciated. This was heightened by comments in the latest CS newsletter this week. Summary of Gavin’s Answer Thanks for your question and the opportunity to respond to it. If you are feeling uncomfortable with your level of risk and are failing the ‘sleep test’ (i.e. are you losing sleep over it) then it is wise to move to a more conservative portfolio. This will not only reduce your risk level and therefore volatility in your superannuation portfolio, but will help you sleep more peacefully. There are however a few qualifying factors to consider before making any changes: Returns - is the expected return of the portfolio you are considering sufficient to achieve your long term goals? Knee jerk reaction - are your feelings of uncertainty a knee jerk reaction to a narrow set of information (e.g. an alarmist newspaper report) without taking into account other balancing factors? And secondly, will you decide to move to a higher risk portfolio sometime in the future when the news you are taking in is more positive. Attempting to time the market is fraught with danger as it often results in selling in a low market and buying when prices are high again. Time frame – if you do not have access to the funds or do not plan to use the funds for 7+ years, there is sufficient time to see markets return even if there is another market down turn. In this case, you may consider maintaining your current level of risk/return to be a viable option. Other comments Recouping your pre GFC value - In the Investment Options webinar I explained the idea of leaving your superannuation money in the pre Global Financial Crisis investment option until the value returns to pre GFC highs. The reason for this is if you change to a lower risk portfolio it could take many years (if ever) to recoup the value of your investments e.g. if you were in Ethical Shares and saw your portfolio value drop 50% and then switched to 100% cash it could take 25 years to get back to the pre GFC value (if you factor in inflation). Your age in bonds – a novel method of deciding the level of risk to take in your portfolio is to hold your age in bonds (defensive assets). That’s right, if you are 50 years of age then this method suggests holding 50% of your assets in what Christian Super calls defensive assets and 50% in growth assets. This would mean investing in the Ethical Balanced option. If you are 30 years of age then this would mean investing in the Ethical Growth option which has 33% defensive assets. Adviser Relationship - as part of the financial planning process we seek to understand your goals and investment timeframe. We assess your Risk Profile to determine the most suitable portfolio for your specific needs. One of the benefits of an adviser relationship is that we keep you on the path that is right for you. Often this involves revisiting the original reasons for taking a particular approach, checking if those reasons are still valid. Further comments Magellan Fund under Peter Lynch - I mentioned the Peter Magellan fund during the podcast. Cornerstone Wealth - Financial Planning and Investment Advice no 31:30 http://www.cornerstonewealth.com.au/004-your-money-your-life-what-is-margin-lending-and-is-it-right-for-you/#utm_source=rss&utm_medium=rss&utm_campaign=004-your-money-your-life-what-is-margin-lending-and-is-it-right-for-you http://www.cornerstonewealth.com.au/004-your-money-your-life-what-is-margin-lending-and-is-it-right-for-you/#comments Fri, 18 Feb 2011 17:33:18 +0000 gavinmartin@cornerstonewealth.com.au (Gavin Martin) http://www.cornerstonewealth.com.au/?p=1390

In this episode we cover the following topics: What is Margin Lending and is it right for you? Margin Loans in Australia amounted to $6.7B in late 2000 and exploded to $36B by mid June 2007 and then on the back of the Global Financial Crises reduced to $18B by late 2009 From 1 January [...]]]>




In this episode we cover the following topics:

• What is Margin Lending and is it right for you?
• Margin Loans in Australia amounted to $6.7B in late 2000 and exploded to $36B by mid June 2007 and then on the back of the Global Financial Crises reduced to $18B by late 2009
• From 1 January 2010 margin lending has been defined as a ‘financial product’
• Changes were in response to issues experiences with companies such as Opes Prime and Storm Financial
• Advantages and Disadvantages of Margin Lending
• Levels of Gearing: Positive, Negative and Neutral
• Gearing vs Reducing Personal Debt
• Gearing vs Super
• Asset classes to invest in when utilising a margin loan
• How to reduce the risks of a Margin Loan
• Who could consider a geared investment strategy?
• Gearing ratios, Buffers and Margin Calls
• Alternatives to Margin Lending: Geared share funds, Protected Equity Loans and Installment Warrants
• Tax Benefits of Margin Lending
• My personal view on the appropriateness of margin lending

Call 1300 275 428

• Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show
• The first 3 callers to leave a voice mail question that I can use on the show will get their choice of 1 of the four main resources I recommend:
  1. Your Money Counts by Howard Dayton
  2. Money, Eternity and Possessions by Randy Alcorn
  3. Faith Based Family Finances by Ron Blue and Jeremy White
  4. Living in Financial Freedom produced by Focus on the Family with Christian Super of which I wrote the 2 of the 4 sections.

iTunes

You can subscribe to the podcast via iTunes or other methods of syndication, here’s short video explaining how.

Join us on Twitter!

• Twitter

Become a fan on Facebook

I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page.

If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page.

There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time.

Email me

• Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428.
Share and Enjoy:

]]> http://www.cornerstonewealth.com.au/004-your-money-your-life-what-is-margin-lending-and-is-it-right-for-you/feed/ 0 Advantages of Margin Lending,Disadvantages of Margin Lending,Gearing,Gearing vs Super,Margin Lending,Risks of Margin Lending,Tax Benefits of Margin Lending In this episode we cover the following topics: What is Margin Lending and is it right for you? Margin Loans in Australia amounted to $6.7B in late 2000 and exploded to $36B by mid June 2007 and then on the back of the Global Financial Crises red... In this episode we cover the following topics: What is Margin Lending and is it right for you? Margin Loans in Australia amounted to $6.7B in late 2000 and exploded to $36B by mid June 2007 and then on the back of the Global Financial Crises reduced to $18B by late 2009 From 1 January 2010 margin lending has been defined as a 'financial product' Changes were in response to issues experiences with companies such as Opes Prime and Storm Financial Advantages and Disadvantages of Margin Lending Levels of Gearing: Positive, Negative and Neutral Gearing vs Reducing Personal Debt Gearing vs Super Asset classes to invest in when utilising a margin loan How to reduce the risks of a Margin Loan Who could consider a geared investment strategy? Gearing ratios, Buffers and Margin Calls Alternatives to Margin Lending: Geared share funds, Protected Equity Loans and Installment Warrants Tax Benefits of Margin Lending My personal view on the appropriateness of margin lending Call 1300 275 428 Call 130 275 428 to leave your most pressing financial question for Gavin to answer on the show The first 3 callers to leave a voice mail question that I can use on the show will get their choice of 1 of the four main resources I recommend: Your Money Counts by Howard Dayton Money, Eternity and Possessions by Randy Alcorn Faith Based Family Finances by Ron Blue and Jeremy White Living in Financial Freedom produced by Focus on the Family with Christian Super of which I wrote the 2 of the 4 sections. iTunes You can subscribe to the podcast via iTunes or other methods of syndication, here's short video explaining how. Join us on Twitter! Twitter Become a fan on Facebook I recently created a Cornerstone Wealth Facebook page. The page needs 25 followers to be able to secure the Cornerstone Wealth name for the page. If you are on Facebook, it would be awesome if you could become a fan of the page by clicking the Like button at the top of the Cornerstone Wealth Facebook page so I can secure the Cornerstone Wealth name for the page. There is not much to the Cornerstone Wealth Facebook page at this stage but it will evolve over time. Email me Email me at GavinMartin@CornerstoneWealth.com.au to arrange an initial consultation or complete the Contact Form. Alternatively call 1300 275 428. Cornerstone Wealth - Financial Planning and Investment Advice no 51:45 www.cornerstonewealth.com.auGavin MartinnonadultFinancial advice based on solid foundations