Cost of living rising, companies culling and volatile markets swinging wildly as global uncertainty and insecurity become shorter to medium term.

• There were 23,102 people that went bankrupt in 2010-2011.
• Getting Financial Advice from a Financial Planner is the Cure.
• Failing to plan is a planning to fail.
• The core strength to a financial plan is the Advice that drives it.

Here at Wyse Wealth Financial Planning we provide security, certainty and a peace of mind to accumulating and protecting you wealth today!
We offer $305 Gift Voucher to redeem for any of our high performance packages.

Our team of 425 licenced professionals Advisors throughout Australia have a combined experience in excess of over 100 decades in the Financial Advice Industry.

We have helped pre-retirees maximise their income streams, see through wealth is accumulated using proven investment strategies and company employees get access to high end Financial Advice.

Thanks to Wyse Wealth, we are able to manage our own personal wealth and live the lifestyle that we wanted to. Without the Financial Advice we would be still working for out retirement, have no funds to be able to neither travel nor support our grand and god children. We are in a position to leave a legacy of wealth, health, love and happiness. Julie Wilder -Sydney

How would you feel that from the advice you took year on year over the last 30 years that you can still comfortable rely on, that your present assets give you a reliable income to support your busy lifestyle in retirement.

Call now on 1300 850 902 to be one of the first 15 to register for your appointment and go in the draw to win a Ipad 2 worth $599

Special Bonus: If you are in the first 15, you will also receive our newly designed product called “Financial Advice Tool Kit”. This amazing new product allows you to effectively make sure you are getting the best deal possible with your cash flow, superannuation, insurance and loans. We had one client saying that he has saved in excess of $550 in the first 4 weeks of using it!

This product has been valued at $3225. Along with the Free Gift card, this is a total value of $3,775.00 just for picking up the phone and calling now!

Call now or you will miss out on this limited offer! Ph:1300 850 902.

Don’t forget to ask about our $3775.00 worth of free bonuses.

Invest for the long-term, even if it’s hard to do
Research suggests investors feel a financial loss around twice as much as a financial gain, and are willing to take on more risk to avoid a loss.

But history tells us that over time, share markets do gain back their previous losses and rise to new highs. So if you’re concerned, instead of taking on more risk to try and halt the falls, perhaps the best option is to focus on your long-term retirement goal and seek advice.

When in doubt, seek advice
If you’re nervous about your super and the impact of market falls, make sure you speak to your financial adviser to discuss your specific situation and long-term savings goals.

Buy yourself some time – keep working
Working longer gives you three potential advantages:

1. You buy time for the markets and your super balance to recover
2. You can delay drawing down on your super
3. You add more to your super through ongoing employer contributions

Save now, spend later
Adjust your short-term spending, which could mean delaying big expenditure items such as house renovations, an overseas trip, or an upgrade to the family car.

Instead, consider moving this money into super’s generally tax effective environment, where it will have the opportunity to grow and earn investment returns when financial markets do recover.

Seek professional advice in relation to making Superannuation decisions
Regardless of market conditions, it makes sense to regularly review your investment strategy and make sure it is appropriate to your retirement savings goal and investment timeframe.

Your financial adviser can help you do this, as well as help you work out how much income you need in retirement and your plan to achieve it.

Adjust or delay your spending plans
If your assets and investment value have changed, you may have to adjust your spending or delay any big ‘spends’ in the short term.

This will help you to avoid dipping into your income stream, while maximising the amount of your benefit that is kept invested – giving it the opportunity to grow once financial markets recover.

Review your cash flow and investments
If you’re drawing down more than the minimum payment required on your retirement income stream, consider drawing less money or just the minimum amount in the short-term. This way, you will have more money in your account to benefit from any upturn in the market.

This will mean you will have a reduced income, so make sure you are comfortable with this prospect.

Consider returning to work part-time
If you recently retired and are drawing down more than your minimum amount, you could consider reducing your payments to just the minimum and returning to work to supplement your income.

While this strategy won’t suit everyone, it may reduce the extent to which you drawdown your account, while you buy yourself some time for the markets to recover.

Arrange your no obligation free meeting to discuss your Superannuation decisions.
Call today on 1300 850 902.

Objective:

• Take control of your spending.
• Plan to save more.
• Spend less than you earn.
• Reduce personal deductible and non-deductible debt.
• Consider switching banks.

Action:

1. “Identifying your goals and then successfully follow through with it!
2. Create a solid plan and implement it to bring results.
3. Assign 20-75% your income to your savings Ac.
4. Set financial goals and stick to them!

PUT IN WRITING

1. Identify and write down your financial goals – Most important to least important.
2. Put your goals somewhere where you can see them regularly.
3. Start with an end in mind and be specific about the goal or dollar amount.
4. Quantify your goals in dollar terms – This will provide an opportunity to measure it. Example: Saving for your children’s university / education funds, deposit for a new home, going on vacation, paying out credit card debt or planning for retirement.

BREAK IT DOWN

• Break each financial goal down into items – This will provide clear direction for what’s realistic, achievable and measurable.
• Have short-term goals of less than one year, medium-term goals of one-to-three years, and long-term goals of five years or more.

• “Short-term goals could be paying off your credit card or saving for a holiday. By holding yourself accountable to a firm plan, you are more likely to make the sacrifices necessary to get there.
• “Medium-term goals might be saving for a deposit towards your first home, investing in direct property, shares, or establishing your own business.
• “Long-term goals could be ensuring there is enough superannuation and investments for retirement so the cost of living a person desires can be achieved.”

• Get a comprehensive Financial Plan – Click here to make an appointment to see a financial planner!

PAY YOURSELF FIRST

• Maintain your eyes on a goal that you can strive to achieve.
• Direct your income so that it goes into 1 account, preferably an offset account or high interest maximiser account.
• Start accumulating funds to get the benefit of compounding interest.

CHECK YOUR PROGRESS

Review your progress monthly, quarterly, half yearly and or yearly to determine if your program is working effectively.

Once a goal is established and written down, it can be tracked using a variety of tools including bar charts or spread sheets – Click Here – Calculators

If you’re not making satisfactory progress on a particular goal, re-evaluate your approach and make changes as necessary or call one of our Financial Planners on 1300 850 902.

NOTHING’S SET IN CONCRETE

Millions of Australians today have a reduced amount of wealth than they probably planned because of volatile share and property markets in the past five years. However it shouldn’t mean giving up on your goals.

Think Long term and what are the steps to get there by putting in place what needs to be achieved to get there.

Live with confidence to change or alter your goals if circumstances change.
Plan for 2012 Today! Have a Financial Planner formulate your goals. Fill in your details below or call 1300 850 902.

One of the most productive and successful ways to becoming rich is investing in stock. The stock market can bring another income stream, as well as help you with securing your financial freedom. If you have considered investing in the stock market, having a well equipped financial adviser is important your success. They can give you the advice needed to understand just how the stock market works. Of course financial stability can be a hard task to accomplish but having a game plan can help set the wheels in motion.

There are a few things that you must take into consideration when setting your sights at becoming rich through the stock market. The first thing you may want to consider is not investing in big well known companies. That would be the easiest thing to do. Most people who invest and become successful normally invest in companies that are unknown. As the company grows so does your investment. Investing and trading in stocks hasn’t been the route to go when trying to become rich. Any financial advisor would explain to you that investing and getting a steady growth on your investment is what will be more beneficial to your dollar.

If you aren’t into getting financial advice, or advice from anyone for that matter. Getting rich through steps other than the stock market can be done. One of the ways you can become rich is by starting your own business and then selling it. Come up with a new idea that customers will find useful, earn a profit from it and sell it for more than you invested in.

You can also exploit yourself as an expert in something that people desire information for. If you aren’t into self help information, you can develop property and sell it. Real estate has become one of the biggest ways to make a financial living. And one of the biggest ways you can become rich!

Quote:

Rule No.1: Never lose money.
Rule No.2: Never forget rule No.1.
Warren Buffett

“Are you earning on target of your salary expectations?”

“Do you require personal cover that you thought no one in the Australian market place could provide?”

You may have growing assets, carrying debt levels that need to be protected against in the unforseen event of Death, Critical Illness, Sickness and Accident, Total and Permanent Disability?

Well! Do we have the good news for you!?We can insure you for larger amounts than thought possible.

Most of us like to stay up-to-date with how the markets are going. However, when markets are volatile they hit the headlines, and there always seems to be more stories compared to when markets are performing well.

While it’s good to be knowledgeable about what’s going on, when thinking about your investments, it helps to remember that market down times are a normal part of the market cycle.

And, while it’s natural to feel unsettled during uncertain times, we’ve seen it all before. History is littered with examples of market corrections (falls of more than 10%) and in every case, the market has bounced back and continued on an upward trend.

Australia’s AAA credit rating is solid.

And, everyone’s needs and goals are different, so you’ll need an investment strategy that’s designed specifically for you. Your financial plan, among many other things, takes into account the levels of risk you’re willing to accept and your investing time frame.

And, while your strategy is designed to accommodate for uncertainty in the market, because it’ll inevitably happen at some time in your investing life, it never hurts to review your strategy and make sure you’re still on track to achieving your goals.