policy

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Q. I am retired and just received an inheritance. Can I still invest this into my Super?

Q: I fully retired in May 2019 when I turned [...]

By |2019-11-15T17:10:36+11:00November 15th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. I am retired and just received an inheritance. Can I still invest this into my Super?

Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q: I have used a Financial Planner for advice and [...]

By |2019-11-08T17:26:28+11:00November 8th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. What to expect when you have a Financial Planner conducting a Financial Planning review?

Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q: I have been advised to set up a Discretionary [...]

By |2019-10-28T10:34:47+11:00October 28th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. The difference between Discretionary Trust and Unit Trust and how they work and its pros and cons?

Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?

Q. I have received an offer to buy CommBank PERLS [...]

By |2019-10-15T09:47:59+11:00October 14th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Hybrid Investment vs Term Deposits: with interest rates available on term deposits now offering less than 2%, should I consider taking up the offer?

Q. With Term deposit rates falling to a ridiculous level, we have to think of alternate investment for our term deposit money.  What should we do?

Q: We are self-funded retirees and rely on returns from [...]

By |2019-10-14T14:13:29+11:00October 14th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. With Term deposit rates falling to a ridiculous level, we have to think of alternate investment for our term deposit money.  What should we do?

Q. Binding Death Benefit Nomination versus Reversionary Beneficiary: What’s the difference?

Q: I am 65 and married. I have a Superannuation [...]

By |2019-09-06T17:04:22+10:00September 6th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Binding Death Benefit Nomination versus Reversionary Beneficiary: What’s the difference?

Q. Can we change an existing Home Care Package provider if we are unhappy with their services?

Q. Can we change an existing Home Care Package provider [...]

By |2019-09-04T09:38:31+10:00August 26th, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Can we change an existing Home Care Package provider if we are unhappy with their services?

Q. Would I satisfy Total and Permanent Disability Insurance if I have been off work for two years due to sickness or accident?

Q. My Employer provides a 2 year Temporary Salary Continuance [...]

By |2019-09-04T09:39:29+10:00August 1st, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Would I satisfy Total and Permanent Disability Insurance if I have been off work for two years due to sickness or accident?

Q. Why would I need to pay for personal Income Protection insurance?

Q. If I am an employee and therefore have Workers [...]

By |2019-09-04T09:39:37+10:00August 1st, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Why would I need to pay for personal Income Protection insurance?

Q. Could you please explain what the change in deeming rates for Pensioners mean?

Q: Could you please explain what the change in deeming [...]

By |2019-09-04T09:40:15+10:00July 22nd, 2019|Blog, Media Articles, Q&A Andrew Heaven|Comments Off on Q. Could you please explain what the change in deeming rates for Pensioners mean?