May 3, 2018 · Published by RJS Wealth Management Pty Ltd

With cash investments offering low returns, those nearing retirement are going to have to save more while working to meet their retirement goals. Fortunately, there are a few options available outside of cash, when investing for income when interest rates are low.

April 16, 2018 · Published by R J Sanderson And Associates Pty Ltd

As a business owner – you will likely have your own expenses that can be paid for by the business rather than out of your salary or drawings. The amount of tax on a FB payment is the same as personal tax i.e. 47%, rather than company tax of 27.5%. However, as a business, you can claim the GST component and receive the tax deduction for the expense. There may or may not be tax advantages to you in offering fringe benefits to your employees. If you are offering them or considering offering them, talk to us to see whether it will be beneficial to you or not.

April 12, 2018 · Published by RJS Wealth Management Pty Ltd

If I knew then what I know now, I would have started investing so much earlier than I did. So much so that I firmly believe we should be investing for our children/grandchildren. Teaching them to save for their future and to help them learn and understand the power of investing over the long-term.

· Published by RJS Wealth Management Pty Ltd

According to the Bankruptcy Act, superannuation is usually a protected asset and falls under the category of ‘non-divisible' property. Non-divisible property is property which a trustee cannot take from a bankrupt.

March 29, 2018 · Published by R J Sanderson And Associates Pty Ltd

Hear property market insights from Nerida Conisbee, Chief Economist REA Group.

March 26, 2018 · Published by RJS Wealth Management Pty Ltd

Learn the the six stages of financial planning and set out exactly how a relationship between a financial planner and a client should develop. It’s an excellent framework for both financial planners and their clients.

· Published by RJS Wealth Management Pty Ltd

The sooner you start to plan for retirement, the more you’ll have, the more retirement lifestyle choices you get. Whether you have millions in assets or none, we can tailor a plan specifically for you that will protect what is most important to you whilst bolstering retirement possibilities. There is never a time too early to start but there can be a time that is too late, severely impacting on our retirement possibilities.

March 6, 2018 · Published by RJS Wealth Management Pty Ltd

From 1 July 2018, Australian homeowners aged 65 years and older will be eligible to contribute up to $300,000 as a non-concessional (after-tax) contribution to their superannuation. Why would you place the funds in your superannuation? By placing the funds in your superannuation. Then paying yourself a pension from that superannuation all earnings on the investment including Capital Gains are generally tax free. As is the pension you would be receiving.

· Published by RJS Wealth Management Pty Ltd

When you have a Financial Planner and Accountant on your team, they don’t compete, they complement one another. Each will be upfront about what they are licenced and qualified to help you with and refer you on at the appropriate point. This is the way we work at RJS Wealth Management, both Financial Planners and Accountants (for personal and business matters) know each other’s skill sets so well that working collaboratively is easy.

January 10, 2018 · Published by RJS Wealth Management Pty Ltd

Many investors like to keep an eye on the markets in general, or to watch the prices of assets they’ve invested in. When things are going well, this can give them confidence in their investments, but poor market performance can also undermine those good feelings. There’s danger in comparing big market indices to the performance of personal investments because they are seldom similar enough to be truly correlated.