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CFL Financial Planning

Locality: Brisbane City

Phone: +61 7 3328 8988



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25.01.2022 A Super Power to boost your retirement savings With plenty of confusing rules that the government seems to be constantly tinkering with, its easy to forget that Superannuation can be the most powerful tool you have to create your ideal retirement! This is because of the generous tax concessions available through superannuation and the exceptional wealth acceleration opportunities this presents. ... Click here: http://bit.ly/2KMzrKx for 5 of our favourite tax-effective strategies to make the most of your super. To find out which strategies, you should use to turn your super into a retirement savings Super Power book a 15 minute focus call with us here: http://bit.ly/2sGBXsk



25.01.2022 What are the ways to insure yourself with a Total and Permanent Disability (TPD) policy? Read here: http://bit.ly/2UGsbFY

24.01.2022 What Does Financial Freedom Really Mean (and how to get there without sacrificing your lifestyle)? Do you find yourself receiving an unexpected bill and wondering How are we going to pay for that? Or perhaps youre getting to the end of the month, looking at your accounts and wondering where all your hard earned money went? These are the type of situations that make your heart race as the financial stress kicks in. What if, instead of worrying, you take unexpected bills in... your stride and at the end of each month you can see your debt going down and your investments going up? Do you feel that sense of relief? Thats what financial freedom feels like. The path to financial freedom isnt a get-rich-quick strategy. Click Here: http://bit.ly/2NuXFwA or call us on (07) 3328 8988 to book your financial freedom strategy session.

23.01.2022 Should you change your super investments at or near retirement? YesIt’s our belief that changing from accumulation phase to retirement (pension) phase means that you need to reconsider your investment strategy. This is because the portfolio now needs to provide a consistent income in both good and bad market cycles, while still providing some inflation protection. We typically see retirees take one of 2 approaches... 1. They switch to a conservative investment option or cash, only to find the gap between the income their super earns and the amount of their living expenses getting wider OR 2. They retain the same growth style investment strategy, only to find that at the first market downturn they need to sell assets at the bottom of the market cycle to provide an income. The result of both of these approaches is that their capital is being depleted faster. A personally tailored Retirement Income Strategy is the solution. Click here: https://bit.ly/3gnKdGx



22.01.2022 A recent study compared households with a Financial Plan against those without, on a number of key metrics. Click here: http://bit.ly/2H7BrzN to see why those with a financial plan were better off!

22.01.2022 Sticking to your Financial New Years Resolutions Lets be honest - Most of our resolutions are broken very quickly, and often its because we think about what we want without thinking about how to achieve it. Below we discuss some common goals and tips to achieve them. One trick is NOT to try to make lots of large changes at once, rather be sure to make small realistic changes that will help you work toward your larger goals. For each goal look to change one small thing that... will help you to meet that goal. It all starts with setting targets A lot of people tell us they have set up a budget and well done to them, but if its more than 12 months old, its probably no longer relevant. Try reviewing your savings targets in particular have they increased with your income or are you spending more than ever before and saving the same amount? If they have its time to reset. If your lifestyle spending has gone up you may need to reset your retirement goals as well. You will need more money to retire if you have a more expensive lifestyle to maintain. Dont bite off more than you can chew - be careful you dont set too many or unrealistic financial goals, or you may not achieve any of them. Consider meeting with your financial advisor to review your goals and the strategies in place to achieve them.

22.01.2022 Want a better retirement than your parents? How will you be able to afford it? Over 50? According to recent ABS statistics you are likely to be retired in 10 years or less & you will enjoy retirement for over 20 years if youre male and over 30 years if you are female. Medical advances and healthier lifestyles mean that were living much longer so retirement involves much more than it used to and thats expensive.... In our grandparents day, retirement was short and expectations were modest and the focus was on passing on a legacy. The current generation of healthier and wealthier retirees are focusing on enjoying longer, more active and more expensive retirements than ever before and most pre-retirees are expecting a similar or better retirement experience. Read my 7 Retirement Income Tips to maximise your retirement income and make it last the distance: https://bit.ly/3fy4R7d



22.01.2022 Power of Attorney- What is it & Do you need one? Most of us may have an up-to-date Will, but how many of us have thought about who will manage our affairs if we are overseas or become incapacitated? A power of attorney is a formal document giving another person the authority to make personal and/or financial decisions on your behalf.... To find why you need a Power of Attorney Click Here to read our article: http://bit.ly/2EP3IHf or PM or call us on 3328 8988.

22.01.2022 Should you change your super investments at or near retirement? YesIts our belief that changing from accumulation phase to retirement (pension) phase means that you need to reconsider your investment strategy. This is because the portfolio now needs to provide a consistent income in both good and bad market cycles, while still providing some inflation protection. We typically see retirees take one of 2 approaches... 1. They switch to a conservative investment option or cash, only to find the gap between the income their super earns and the amount of their living expenses getting wider OR 2. They retain the same growth style investment strategy, only to find that at the first market downturn they need to sell assets at the bottom of the market cycle to provide an income. The result of both of these approaches is that their capital is being depleted faster. A personally tailored Retirement Income Strategy is the solution. Click here: https://bit.ly/3gnKdGx

21.01.2022 If youre retired or nearing retirement, should you change your super investments? YesIts our belief that changing from accumulation phase to retirement (pension) phase means that you need to reconsider your investment strategy. This is because the portfolio now needs to provide a consistent income in both good and bad market cycles, while still providing some inflation protection. We typically see retirees take one of 2 approaches... 1. They retain the same growth style investment strategy, only to find that at the first market downturn they need to sell assets at the bottom of the market cycle to provide an income. 2. They switch to a conservative investment option or cash, only to find the gap between the income their super earns and the amount of their living expenses getting wider. The result of both of these approaches is that their capital is being depleted faster. A personally tailored Retirement Income Strategy is the solution. Click here: http://bit.ly/2v7Wg60 for a look under the bonnet.

21.01.2022 Eliminate Financial Stress by creating good money habits! Do you feel like you’re just not getting ahead financially, and that even when your income increases you seem to spend every cent you earn? If this sounds familiar than just thinking about finances probably gives you a headache! Gain control of your finances in 2021 by starting new habits and following these tips:... 1. Set realistic targets & review them every year targets should set for expenses, debt repayment, savings, investments & retirement planning. 2. Create a cash flow plan - eliminate unnecessary expenses & use savings effectively 3. Pay yourself first - pay yourself set amounts of money to achieve each of the set targets 4. Create finance buckets This should be a minimum of 3 cash buckets plus investment buckets e.g. working a/c, expenses a/c, cash buffer a/c & investment account 5. Embrace Financial Technology to track your spending- tracking your spending helps you monitor your progress and stay accountable to your cashflow plan. To follow the 5 tips and eliminate financial stress Click here: https://bit.ly/3aehId8

20.01.2022 What is the retirement Smile? Have you taken the time to understand what your spending habits might look like over a 10, 20 or 30 year retirement? If even the thought of trying to work that out is daunting, Click: http://bit.ly/2O17HGt to see how important this is to your retirement.



20.01.2022 Superannuation helps clients build greater retirement savings by providing tax advantages. Click here (https://bit.ly/2YRsz74) to read the Top 5 tips for building up your super that you still have time to do in 2020.

19.01.2022 Gearing What is it & does it suit you? Just as you can borrow money to buy a home, you can borrow to invest. This is commonly known as Gearing and if managed carefully, can be a way to grow your wealth, but it isnt for everyone. What is gearing? Read more here: http://bit.ly/2IAf1Vr

19.01.2022 Our 2nd Control your cashflow to Fast Track Financial Freedom (3 Simple Steps to take control of your finances!) Workshop was a great success. Thank you to all the attendees! A great group of people turned up ready to roll up their sleeves and begin work on improving their financial future. From the feedback weve received the attendees now have more clarity and confidence around their cashflow and financial future than ever before.... I just wanted to quickly share some of the feedback we received regarding how attendees were feeling before the workshop compared to how they felt after? Before: lack of knowledge After: Excited to create a plan, Hesitant before now better confidence & I was confused before and now mostly know where I need to start Please note this was the final event in this series of workshops. We intend to run this and other workshops again later in the year. In the meantime we will enjoy helping many of the attendees to take their next steps toward financial freedom.

18.01.2022 While most non financially minded Australians woke up to news of a relatively dull budget on Wednesday morning, for CFL this budget offers quite a few planning opportunities for pre and post retirees especially. However, its a case of delayed gratification, with none of these measures being relevant until 1 July 2019. As such, we wont provide any of our own detailed analysis at this time. Instead Click Here: http://bit.ly/2rJOv3G for a link to a great analysis from Challenger Financial Group. Contact us on (07) 3328 8988 to discuss how the budget might affect you.

18.01.2022 Time is running out in the countdown to End of Financial Year 2019. Click here: http://bit.ly/2WTpqG2 for our super strategies for EOFY 2019

17.01.2022 Most of us may have an up-to-date Will, but how many of us have thought about who will manage our affairs if we are overseas or become incapacitated? Setting up a Power of Attorney can solve this problem. For more information on Powers of Attorney, Click Here: http://bit.ly/2pqGPSO or call us on 07 3328 8988 to book an estate planning focus session.

17.01.2022 Why is controlling our finances so difficult? Its mainly because we dont try! Why not? Because it seems too hard. But heres the thing. Its actually quite easy to get your finances on track, and stop stressing about them. Here are my top 3 tips to help you Take Control! 1. Embrace Financial Technology to track your spending - Tracking your spending helps you understand your daily money habits so you can create new ones. 2. Create a Cashflow plan once you know your spend...ing, you can set a budget and set savings, lifestyle & investment goals. 3. Seek advice from experts to avoid making costly mistakes that you'll end up regretting. Seek advice from qualified, experienced advisers who are able to provide strategic advice, not just sell you a product. Bonus tip for business owners Stop treating your business bank account like your personal wallet! Treat yourself like an employee and pay yourself a reasonable salary plus super. If there is profit once all the bills and taxes are paid, do something positive with it or see rule 3 for help. For help taking control call me on (07) 3328 8988 or click here: http://bit.ly/2sGBXsk to set up a 15 minute financial check-up call. Want to know more??? Check out my article on Controlling Your Cashflow here: http://bit.ly/3aHQQlr

16.01.2022 Boost your retirement savings using Super Power. Despite plenty of confusing rules that are constantly being tinkered with each time the government changes, Superannuation remains one of the most powerful tools you have to create your ideal retirement! This is because of the generous tax concessions available through superannuation and the exceptional wealth acceleration opportunities this presents.... Click here: for our top 5 tax-effective strategies to make the most of your super: http://bit.ly/2PUoN85 To find out which strategies, you should use to turn your super into a retirement savings Super Power book a 15 minute focus call with us here: http://bit.ly/2sGBXsk

16.01.2022 Have you heard? In the next few weeks, were getting a small group of people who are looking to take control of their finances together for a LIVE Workshop event. Were going to roll up our sleeves and help you identify what youre doing right and wrong with your finances now. Then well get started on the first 3 steps to creating a long-term wealth creation plan.... We want you to walk out of this session with a clear plan of action outlining what to do to take control of your finances..and achieve your ideal lifestyle now and in the future. Well make sure youre aware of the key strategies our clients are implementing that have them feeling motivated, and relaxed rather than frustrated and stressed. and give you the confidence to make the right financial decisions going forward. On top of that, well give you access to the tools you need to make sure you can set, track and achieve your short and long term financial and lifestyle goals. The workshop is called Control your cashflow to Fast Track Financial Freedom. Register Here: http://bit.ly/2IPNOwu Its 90 minute LIVE Coaching event specifically for motivated people who are sick of not getting ahead and who want to learn how to maximise their cashflow & begin their pathway to financial freedom But its not for everyone - itll be strictly for doers, not just listeners. Plus, itll be hands-on and youll have to work :-) Anyway, I put up a page with all the details (what well be doing, and the dates, etc) If youd like to spend some time with us working ON your financial situation and smashing out the beginning of your personal financial plan (and have some cool tools and reference materials to go with it), click here to check it out: http://bit.ly/2IPNOwu

16.01.2022 Is your business Future Proof or could an Illness become a Financial Tragedy? If you have business partners, you need a business succession plan.if you dont have one, you might live to regret it. Click here to read more: http://bit.ly/2zPbzTS To speak to an expert in business succession plans, click this link: http://bit.ly/2sGBXsk to schedule a 15 minute phone call

16.01.2022 What is The Retirement Smile? Retirement is something most people look forward to, and when you get there you certainly want to have something to smile about. But what if you get there, only to realise that the projections your super fund has sent you were wrong! Read more here: http://bit.ly/2O17HGt or call 07 3328 8988 to speak to a retirement planning expert:

14.01.2022 Over 45? Chances are you will be retired in 15 years or less & you will be retired for more than 20 years. Are you on track to be able to afford that? In reading a retirement article today I was very surprised to learn that Australians are retiring significantly earlier than in decades past. According to the ABS, in 2016 average retirement ages were 58.2 for men and 51.5 for women. This is a drastic reduction from the 1970 averages of 67 for men and 65 for women. What was ...not surprising was the difference in the average years in retirement with males averaging 22.2 and women 33.1 compared to 1.3 and 9.8 years back in 1970. Medical advances and healthier lifestyles mean that were living much longer so retirement involves much more than it used to. In our grandparents day, retirement was short and expectations were modest. Now with a wealthier baby boomer generation who place less importance on leaving a legacy, retirees are enjoying longer, more active and more expensive retirements than ever before. Read my 7 Retirement Income Tips here: http://bit.ly/2urM6wz to maximise your retirement income and make it last the distance. To speak to an expert in planning your retirement, book a 15 minute call with us here: http://bit.ly/2sGBXsk

13.01.2022 Do you find yourself living from paycheck to paycheck, wondering at the end of each month where it all went? If so, this 5 step process might be just what you need! Read more here: http://bit.ly/2Ith2kP Chick Here: http://bit.ly/2sGBXsk or call us on (07) 3328 8988 to book your financial freedom strategy session.

13.01.2022 SENIORS Are you missing out on COVID Stimulus, Age Pension payments or concessions? Receipt of part age pension and using concession cards can make a significant difference to your budget, but with the COVID Stimulus measures in place this year it’s more important to review your eligibility than ever. There are several government concession cards available for eligible seniors but there have been a number of changes to these in the past 12 months. Keeping on top of the chan...ges is important for maximising your benefits and reducing your expenses. Click here https://bit.ly/2HxSWuq for CFL’s Key Seniors Concessions Outlined information on the recent changes to the Concession Cards Available to seniors this year and the benefits they provide.

12.01.2022 Do you know the date that youll be debt free? If not you need a plan. Want to be debt free sooner or at least at Retirement? Then you should look for opportunities to take control of your finances and tackle your debt 'head on'. There are all sorts of strategies to pay your loans off faster. One tip is to make your loan payments weekly, this generally equates to 13 months of payments each year, which will knock 2 years off your home loan over a 30 year term. That's just one ...common strategy, we have plenty more. To read our top 5 tips to save money on your loans, click here: http://bit.ly/2TPRlRC. To set up an Debt Free action plan PM us or pick up the phone and make a call.

12.01.2022 Our 2nd Control your cashflow to Fast Track Financial Freedom' (3 Simple Steps to take control of your finances!) Workshop was a great success. Thank you to all the attendees! A great group of people turned up ready to roll up their sleeves and begin work on improving their financial future. From the feedback weve received the attendees now have more clarity and confidence around their cashflow and financial future than ever before.... I just wanted to quickly share some of the feedback we received regarding how attendees were feeling before the workshop compared to how they felt after? Before: lack of knowledge After: Excited to create a plan, Hesitant before now better confidence & I was confused before and now mostly know where I need to start Please note this was the final event in this series of workshops. We intend to run this and other workshops again later in the year. In the meantime we will enjoy helping many of the attendees to take their next steps toward financial freedom.

12.01.2022 "Failing to plan for the death or serious illness of your business partners is an important decision - Dont live to regret it!" Click here to see why: http://bit.ly/2zPbzTS To speak to an expert i n business succession plans, click this link to schedule a 15 minute phone call: http://bit.ly/2sGBXsk

11.01.2022 If you have previously taken the time to sit down and create a Will or Estate plan it may be a surprise to find out that its quite possible your Will is invalid. If this is the case you could be one of the almost 50% of Australians who die intestate, whereby your assets may be distributed by your states pre-determined formula instead of according to your wishes. There are a lot of reasons why your Will could be invalid but here are our top 3: 1.Incorrect paperwork 2.Marri...age or Divorce 3.Your legal rights as a will-maker may have changed Click Here: http://bit.ly/2IKWxF8 to read more or PM us or call 3328 8988 to get help to create or review you

10.01.2022 Are you still on track for a comfortable retirement? We’re now a couple of months in to this new global pandemic affected world and 2 things are true for most of us: 1. Our everyday life has changed and 2. Our super and investment portfolios are lower ... The first point is something everyone is learning to cope with and most Australians seem to be doing a pretty good job of it. For some, falling super and investments means panic stations, for others it means opportunity. What it should do for most is provide a clear signal that it’s time to take stock and determine if you are on track achieving the retirement you want. If you’re in the latter group then the best way to do this is by working with a Certified Financial Planner to create a Financial Plan. What is a Financial Plan? A financial plan is an evaluation of your current financial condition, a summary of your goals and a roadmap to help you get from the present to the financial future you want. To chat to one of CFL’s Certified financial planner click here: https://bit.ly/2U35uwX to arrange a 15-minute focus call.

07.01.2022 Have you ever felt like youre just not getting ahead financially, and that even when your income increases you seem to be on a treadmill of spending every cent you earn and sometimes even more? Youre in a financial rut! Youre not saving or investing anything for the future because theres always another bill or personal expense. You cant see a light at the end of the tunnel. The secret to boosting your cash flow is very simple - you need to create a cashflow plan and t...ake control of your finances. To learn how, simply call me on (07) 3328 8988 or click here http://bit.ly/2sGBXsk to set up a 15 minute financial check-up call. Want to know more??? Check out my top 7 tips to reduce money stress here: http://bit.ly/2S9DY0I.

07.01.2022 A quick update of how our 1st Control your Cashflow to Fast Track Financial Freedom Workshop in this series went last night

07.01.2022 Sticking to your Financial New Year’s Resolutions Let’s be honest - Most of our resolutions are broken very quickly, and often it’s because we think about what we want without thinking about how to achieve it. Below we discuss some common goals and tips to achieve them. One trick is NOT to try to make lots of large changes at once, rather be sure to make small realistic changes that will help you work toward your larger goals. For each goal look to change one small thing that... will help you to meet that goal. It all starts with setting targets A lot of people tell us they have set up a budget and well done to them, but if it’s more than 12 months old, it’s probably no longer relevant. Try reviewing your savings targets in particular have they increased with your income or are you spending more than ever before and saving the same amount? If they have it’s time to reset. If your lifestyle spending has gone up you may need to reset your retirement goals as well. You will need more money to retire if you have a more expensive lifestyle to maintain. Don’t bite off more than you can chew - be careful you don’t set too many or unrealistic financial goals, or you may not achieve any of them. Consider meeting with your financial advisor to review your goals and the strategies in place to achieve them.

06.01.2022 Are you still on track for a comfortable retirement? Were now a couple of months in to this new global pandemic affected world and 2 things are true for most of us: 1. Our everyday life has changed and 2. Our super and investment portfolios are lower ... The first point is something everyone is learning to cope with and most Australians seem to be doing a pretty good job of it. For some, falling super and investments means panic stations, for others it means opportunity. What it should do for most is provide a clear signal that its time to take stock and determine if you are on track achieving the retirement you want. If youre in the latter group then the best way to do this is by working with a Certified Financial Planner to create a Financial Plan. What is a Financial Plan? A financial plan is an evaluation of your current financial condition, a summary of your goals and a roadmap to help you get from the present to the financial future you want. To chat to one of CFLs Certified financial planner click here: https://bit.ly/2U35uwX to arrange a 15-minute focus call.

06.01.2022 Are you on track to be able to afford the retirement income you want? Heres 7 strategies to help: http://bit.ly/2XKv4uf You might be surprised to learn that Australians are retiring significantly earlier than in decades past. I know I was. According to the ABS, in 2016 average retirement ages were 58.2 for men and 51.5 for women. This is a drastic reduction from the 1970 averages of 67 for men and 65 for women.... What was not surprising was the difference in the average years in retirement with males averaging 22.2 and women 33.1 compared to 1.3 and 9.8 years back in 1970. Medical advances and healthier lifestyles mean that were living much longer so retirement is more eventful than ever. In our grandparents day, retirement was short and expectations were modest. Now with a wealthier baby boomer generation retirees are enjoying longer, more active and more expensive retirements than ever before. Read my 7 Retirement Income Tips to maximise your retirement income and make it last the distance. http://bit.ly/2XKv4uf

06.01.2022 Every parent wants the best for their children, and this generally includes a good education. We are lucky in Australia to have access to some of the best schools in the world, but that also means education comes at a cost - sometimes a significant one. So how do we pay for it? click here for our top 5 tips: http://bit.ly/2RGBMKC.

05.01.2022 If youre retired or nearing retirement should you change your super investments? YesIts our belief that changing from accumulation phase to retirement (pension) phase means that you need to reconsider your investment strategy. This is because the portfolio now needs to provide a consistent income in both good and bad market cycles, while still providing some inflation protection. Many people retain the same diversified/balanced style super investment that has helped them ...grow their super, only to find that at the first market downturn they need to sell assets at the bottom of the market cycle to provide an income. The affect of this is that they are depleting their capital faster. Whats the solution? Click here: http://bit.ly/2v7Wg60 to look under the bonnet of our Retirement Income strategy.

04.01.2022 If your Credit Card debt is Scary its time to get Credit Savvy? Out of control credit card debt can be a source of unnecessary stress and prevent you from enjoying other things in life. Clearing your Credit card debts doesnt have to be hard work.... Check out our simple Cheat Sheet: http://bit.ly/2GpqSaw to help you crush your credit card debt sooner so you can get back to living the good life, guilt free. Want to know more??? or click here: http://bit.ly/2sGBXsk to set up a 15 minute financial check-up call or PM us.

04.01.2022 One question we are increasingly hearing from clients around investments is which investment approach is best Active or Passive? In fact, this is an often debated topic amongst finance professionals as well. So what is CFLs take on this debate? At CFL, we believe that both active and passive investment strategies can be complementary to each other and we frequently use them together when designing client portfolios. The mix differs based on economic conditions as well as the clients situation and goals. To get a better understanding of these differing investment approaches, click here: http://bit.ly/2JYoQzt for a great introductory article provided by Blackrock. To speak to an expert in portfolio construction, book a 15 minute focus call with us here: http://bit.ly/2sGBXsk

03.01.2022 Choosing a private school education for part or all of their children’s education, is seen as a must for some parents. For some the financial burden doesn’t end there, with many Australian parents also contributing to their children’s university education or vocational training costs. With the costs of private schooling and tertiary education increasing significantly faster than both wages and inflation, the impact on the family budget is getting more significant each year. So how do you pay for it? click here for our top 5 tips: https://bit.ly/3dALSJ4 or To speak to an expert, click this link to schedule a 15 minute phone call: https://bit.ly/2U35uwX

03.01.2022 Every parent wants the best for their children, and this generally includes a good education. However, for parents who choose private schooling for primary or secondary education, the impact on the family budget is getting more significant each year. Recent studies have shown the cost of private schooling is increasing faster than wages and inflation and for some parents the financial burden doesnt end there. Many Australian parents are also forking out for all or part of their childrens university education entering into debts theyll be paying off for years. So how do we pay for it? click here for our top 5 tips: http://bit.ly/2RGBMKC or To speak to an expert, click this link to schedule a 15 minute phone call: http://bit.ly/2sGBXsk

02.01.2022 Saving or investing money early is one of the keys to achieving Financial Independence. Its a point that cant be reiterated enough. This is largely because of the astonishing benefits of Compounding Returns, which is when you earn a return (income and/or capital growth) on top of a previous return. Over a couple of years, the benefits might not be that great. But over 30 or 40 years, the benefits may surprise you. Click here: http://bit.ly/2LJHdFz for more or to get investing now, book a 15 minute focus call with us here:http://bit.ly/2sGBXsk

01.01.2022 Cash plays an important role within a well-diversified investment portfolio and serves several purposes, including greater stability, diversification and liquidity. As we navigate volatility in markets, its important to remember the role and benefits of cash in a portfolio. Read more here: http://bit.ly/2rxPQe3

01.01.2022 We all want to give our children a good education, but with the cost of private schooling increasing faster than wages and inflation, the pressure on family finances is mounting. Putting a child through school (especially a private or faith based) school has never been more expensive. A 2017 survey by the Australian Scholarships Group showed that - for a child beginning pre-school in 2018 - a private school education costs parents $304,539 dollars, compared to $166,533 in a f...aith based school and $47,000 in the public system. The financial burden on parents doesnt end there. Many Australian parents are forking out for all or part of their childrens university education as well entering into debts theyll be paying off for years. Next week well let you know when should you start putting money aside, and wheres the best place to put it? If you cant wait until then To speak to an expert, click this link to schedule a 15 minute phone call: http://bit.ly/2sGBXsk

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