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Your Financial Guide Newsletter September 2022This edition, we will introduce you to a new team member! We talk about the superannuation contribution rules that changed in July. We also talk about inflation, and the importance of being vigilant with regards to cyber security! As always, if you have any family or friends who you feel could benefit from a meeting with one of our advisers, please share this email or contact our team on 4041 2055 or admin@kellywealth.com.au   What’s New?
Welcome Sarah
Sarah has financial services experience spanning over 12 years. She has a depth of knowledge of the financial advice process having progressively performed various roles including Client Services, Paraplanner, and for over three years; Financial Adviser. Sarah’s focus is on fostering genuine ongoing relationships with clients based on a holistic understanding of their personal situation and consistent monitoring to mark progress towards their goals. Sarah has worked with a broad range of firms, each with their own unique approach to advice. As a result, she has experience providing advice on fundamental strategies, in addition to more specialised advice areas such as Self-Managed Superannuation Funds (SMSFs), listed securities, and Aged Care. Sarah grew up on the Atherton Tablelands, and on the weekend, she can usually be found at Rusty’s Markets or hiking up a mountain.
 Money GuideLosing an Entire Home – Cyber Security Awareness Internet hackers are getting smarter. The price this person paid will terrify you. Read what happened here….
Strategy GuideNew Financial Year, New Opportunities for your Super From July 1st 2022, Superannuation contribution cap and eligibility changes.
 Property GuideProperty Price Forecasts for 2023 What’s the outlook for the Australian property markets for the balance of 2022, and beyond?
 Wealth GuideThe Inflation Effect As an adviser, recent conversations with my clients have included talk of inflation and how it is affecting their household spending priorities, their expectations of the future, and their investments. Find out what kind of conversations we are having with our clients here…  DISCLAIMER: This information was prepared by us as part of YFG Cairns Pty Ltd trading as Kelly Wealth Services. YFG Cairns Pty Ltd is an Authorised Representative of Your Financial Guide Pty Ltd AFSL 511377. Kelly Wealth Services’ advisers are Authorised Representatives of Your Financial Guide Pty Ltd ABN 55 628 589 211 and operates under Australian Financial Services License No. 511377. General advice and general educational information in this newsletter has been prepared as an overview or summary only and it shouldn’t be considered a comprehensive statement on any matter or relied upon as such. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness to your objectives, financial situation and needs. By accessing and viewing this newsletter you agree to be bound by the Terms and Conditions of this newsletter.  |
STRATEGY GUIDE: Tax on Super & Division 296
One of the most talked about tax legislation changes that will impact less than 0.5% of the Australian adult population is Division 296.The main controversy of course is that the limit of $3m in super or above, is not indexed. So most young adults today will be...