many people - life is getting more
serious but you're still committed to
family and friends and having fun.
salaries become one. Head to the Family
Assistance Offi ce and apply for the
Maternity Payment and Family Tax Benefi ts
(up to $7,800 per year) to help soften the
fi nancial impact.
you against medical expenses it also saves
you at tax time. Private health insurance
premiums increase by approximately 2.4%
after the age of 30, however you may
qualify for a 30% rebate to reduce the cost.
Talk to a fi nancial planner about strategies
such as salary packaging, salary sacrifi cing
and investing in shares and property to save
your tax and build on personal wealth.
in their 40s with higher incomes and
equally high debts.
Consolidating investments and liabilities can
reduce paying unnecessary tax.
planning ahead now. Consider various
superannuation strategies such as salary
sacrifi cing to assist in achieving your
retirement plans.
or disablement of your or your partner by
creating a proper will, Power of Attorney,
Health Directive and Testamentary trust.
a higher disposable income as they
become empty nesters. It's time to
determine what it's going to take to live
comfortably in retirement.
reducing your non-deductable debt should
be accelerated during this time, do you have
strategies in place that can help you reduce
your personal debt quicker?
optimal time to enhance an existing investment
portfolio with tax-effective strategies.
contributions of up to $100,000 each
fi nancial year until 30th June 2012 into your
superannuation program to help improve
your fi nancial position over the long term.