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Graduate Financial Guidance Program (Building Wealth through Planning). What is Financial Planning Who we are Australians’ Debt Problem The Financial Journey Role of a Financial Adviser The Program The Process Case Study. Ivan Lee Authorised Representative

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Graduate Financial Guidance Program(Building Wealth through Planning)

What is Financial Planning

Who we are

Australians’ Debt Problem

The Financial Journey

Role of a Financial Adviser

The Program

The Process

Case Study

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning)

Disclaimer :

The information contained in this presentation is by way of general information only and has been prepared without taking into account any person’s individual objectives, financial situation or needs. Before making any decision to act on recommendations in this presentation, a person should consider the appropriateness of the information to their individual objectives, financial situation and needs and if necessary seek advice from a suitably qualified professional.

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning – What is Financial Planning )

“Financial planning is a holistic approach to planning for your financial future. It is about setting short and long-term goals and developing strategies to achieve those goals”

Source : CPA Australia

Source : CPA Australia

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning – Financial Planning Wheel )

Source : CPA Australia

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning – Who we are )

Financial Advisers

CPA – Business Consulting

Lending Consultants

PIS – largest Advisers Network

Work closely with Accountants

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning)

Australians’ Debt Problem

Strong economy for the past 10 years

Unemployment dropped to 5.3%

Low interest rate/inflation rate

Rising household income; but

Australians savings ratio dropped

from 10% in 70s to -2.3% in 2005

RBA – Australians doubled their debts in

the past 5 years

(National Centre for Social and Economic Modelling)

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning)

Australians’ Debt Problem

Where has the money gone ?

No Budget / No Cash flow Planning

Spending instead of Investing

Creating Liabilities instead of Assets

The Power of Compound Interest

Lack of awareness of Financial Planning

and Financial Literacy

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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$ Wealth

Graduate Financial Guidance Program(Building Wealth through Planning)Financial Journey

Well-Planned

Winner

Positive Net worth

?

Good Saver

Enough for Retirement ?

Age

20

30

40

50

60

Financial Disaster

Negative Net Worth

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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$ Wealth

Graduate Financial Guidance Program(Building Wealth through Planning) Financial Journey

Well-Planned

Winner

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Role of a Financial Adviser

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

Estate Planning

Retirement Income

Well-Planned

Winner

Tax Effective Investment

Salary Sacrifice

Managed Investment

Investment Loan Service

Wealth Protection

Gearing Advice

Home Loan Service

Managed Investment

Business Advice

Super Savings

Investment Advice

Set Goals

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

Well-Planned

Winner

The Goal is to help you to achieve this :

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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There is no trick, no magic you only need to:

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

Well-Planned

Winner

1. start early

2. be discipline

3. Regular investment plan / superannuation strategy

4. Appropriate advice from your trusted Financial Adviser

Age

20

30

40

50

60

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Why Super is one of the best Investment vehicles :

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

Well-Planned

Winner

1. 9%compulsorycontribution - employer

2. Salary Sacrifice to lower personal marginal tax

3. Super earnings are taxed at maximum 15%

4. Allow personal contribution – un-deducted

5. Pension phase earnings tax free

6. Super/Pension Pay-out – tax free (subject to legislation 2007)

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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We are your Trusted Financial Advisers :

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

Well-Planned

Winner

1. PIS/AMM has the largest Financial Advisers Network

2. Full Services suite :Investment, Risk, Super, Lending, consulting

3. Long term relationship – gain your trust

4. Remuneration based on your future success

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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The Program

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

1.Registration through AMM website

2.General advice through e-mail

3.News update on market, policy changes

Well-Planned

Winner

4.Seminar on financial planning-related topics

5.Set up your regular investment plan/superannuation

6.Minimum initial set up fee

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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How to Proceed :

Graduate Financial Guidance Program(Building Wealth through Planning)

$ Wealth

1. On-line registration through AMM website

Well-Planned

Winner

2. Keep us informed your work status

3.Normally$1,000 initial investments

4. Regular Investments / Super Contributions

Age

20

30

40

50

60

Changing jobs

High salary increase

Holidays

Entertainment

Savings

Career upward

Marriage

Children

Dream Home

Building Wealth

Children Education

Home Renovation

Second Property

Prepare for Retirement

Downsizing

Children grown up

Lifestyle

Investment

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Case Study – Super Power

Graduate Financial Guidance Program(Building Wealth through Planning)

New Graduate

Starting Salary : $35,000

Salary Adjustments : 10%, 9% and 3.5% p.a. (during the work life)

Salary Sacrifice : 10% to 25% in 40 years at various stages

Inflation : 2.5%

Investment returns in Super : 7.5% p.a. (after tax)

Contribution Tax : 15%

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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Case Study – Super Power

Graduate Financial Guidance Program(Building Wealth through Planning)

Ivan Lee

Authorised Representative

Australian Money Masters

www.money-masters.com.au

Professional Investment Services Pty Ltd.

A.B.N. 11 074 608 558

Australian Financial Services Licence No. 234951


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