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Meet a Member
of Our Team
Graeme Del Favero
CFP CA
Representative - Principal
Financial Planning
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Graeme Del Favero advises private clients in
relation to a range of business and personal
financial issues.
Graeme began his career in a variety of
service disciplines nationally and
internationally before moving into financial
planning in 1999.
The blend of experience has provided Graeme
with a well-rounded understanding of
investment and business structures and
Australian Tax and Superannuation Laws,
allowing him to guide clients in achieving
both business and personal financial goals. |
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Graeme believes in establishing ongoing
relationships with clients by assisting them
in making informed decisions in relation to
their financial future, through an alignment
of personal, business and investment goals.
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Your
Own Personal Superfund - Is It Your Money? |
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Written
by David Hall - Tax Specialist (Townsville)
I was recently approached by Jim in relation to his
superannuation. Jim has set up his own private superfund so he can
make all the decisions where he invests his money,
but an accountant told him that even though it's his
superfund he can't borrow from it or lend it money
or even sell it any asset.
Jim, what you have been told is basically correct. Even
though it is your superfund and you get to make the
decisions, your decisions have to fit within the law
that applies to superfunds. In your case the superfund is what is called a self-managed superannuation
fund into which you can make personal contributions,
your employer can make contributions and if your
spouse or children are also members they and their
employers can also make contributions.
Read the full article here |
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Networking
Fact Sheet |
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It can be quite daunting walking into a room full of
people you've never met with the intention of
telling them about yourself and your business.
However, getting outside of your comfort zone and
networking opens up a world of opportunities for you
to capitalise on.
The Queensland Government
Department of Employment, Economic Development and
Innovation provides a
networking fact sheet which could help you get
out and networking comfortably, and seeing the
benefits for your business, in no time. |
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Product, Sales And
Distribution Strategies |
In any downturn, you should review each product's
sales and costs of distribution to determine the
real underlying profitability. In particular you
should:
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Understand how demand for your product/services
changes in a downturn and develop a business
strategy on how to cope with expected changes to
demand
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Make sure you have detailed information on your
product range and depth, including plans for new
products. Consider whether you should reposition
yourself to an alternative market
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Gather information that demonstrates your
understanding of the market potential. Look at
the following areas:
- Industry
Description and Outlook
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Competition
- Product
Description
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Distribution
- Target
Markets
- Be proactive
in looking for alternative products and
services. Seek out other opportunities. Consider
your ability to reposition for other competitive
advantages.
- Develop your
Distribution Strategies, as distribution
involves both competition and cost
considerations in moving goods to end markets.
The selection of a distribution strategy also
has an important bearing on both product
positioning and the image you are trying to
create in the market place.
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This is an extract of
WHK's Economic Survival Kit which contains hints and
tips on surviving economic downturn.
Click here to request your complimentary
Economic Survival Kit. |
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Section 945A of the Corporations Act
requires advisers to obtain information from clients before making
recommendations. Equivalent requirements apply also to accountants in relation to the provision of tax advice. Accordingly clients and
readers should not act only on the basis of material obtained in this
newsletter because the contents are of a general nature and therefore do
not take into account each person's individual circumstances and may be
liable for misinterpretation. Do not act upon any of the information
contained within this newsletter without first obtaining specific advice
by your adviser. All opinions, conclusions or forecasts are reasonably
held at the time of compilation but are subject to change without
notice. WHK assume no obligation to update this publication after it has
been issued. Whilst every effort has been made to ensure accuracy,
information contained may not be complete, may have changed or may not
be relevant to or appropriate for your circumstances. You must not use
the information without seeking professional advice. Should you consider
the acquisition of a particular financial product as a result of the
material contained, you should obtain a copy of and consider the Product
Disclosure Statement for that product before making any decision.
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Port
Douglas Office: |
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Port Douglas Qld 4877 |
Ph: 1300 852 044
Fx: (07) 4099 4344
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Charters Towers Qld 4820 |
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Fx: (07) 4787 4169
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