Jess Curtis in Bundaberg, Queensland | Financial planner

Jess Curtis

Locality: Bundaberg, Queensland

Phone: +61 499 903 303

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• Public figure
• Financial service
• Financial planner

22.01.2022 Saving to buy your first home can feel so far out of reach for some people that they just don't do it. What if you could get a simple , easy to follow savings plan that restricts your access to your savings, saves you tax AND you get a review of your superannuation including a review of the fees , insurance and underlying investment option/s? I reckon that would be LIT ... The GOOD news is , I can totally help with you that. The BAD news is, I only have a few appointments over the next month. The initial meeting is no cost if you don't go ahead and I have heaps of payment options - what have you got to lose ?. HMU.

20.01.2022 Now more than ever it's important for us all to get behind each other, so I'd like to reach out and ask anyone I've helped in the past to please review my google business page. Link below If you yourself have a business please leave your link and I'll do the same. Jess Curtis - Financial Adviser Bundaberg would love your feedback. Post a review to our profile.... https://g.page/FinancialAdviserBundaberg/review?gm See more

19.01.2022 The cash rate decision for April has been announced by the RBA with the rate unchanged at record low 0.25%.

15.01.2022 Wondering if you're entitled to a refund ? Here's a simply cheat sheet that indicates whether you are likely to be entitled.

11.01.2022 ASX200 up 1.97% to 6,068 at close of trade today following RBA rate cut.

11.01.2022 I'm curious - do you have income protection? Why / why not?

11.01.2022 Hit me with some financial related questions you've always wondered or rules you're confused by. It can be about superannuation, tax, investing, salary sacrifice, personal insurance like life, TPD, income protection or trauma, beneficiary nominations, estate planning, centrelink... the list goes on. I want to make sure the content I post is useful and relevant to YOU. IMPORTANT: there is no such thing as a silly question. You can bet if you have the question - there are many others that do too! :)

11.01.2022 The Australian Tax Office has announced special arrangements that will allow employees working from home to easily claim running expenses such as electricity, air conditioning and computer maintenance. Beginning from March 1 this year, employees forced to work from home as a result of COVID-19 restrictions will be able to claim a fixed-rate deduction of 80 cents per hour for all of their running expenses.

10.01.2022 As predicted; the Reserve Bank of Australia (RBA) has cut the official interest rate to 0.10 per cent, in its first major move since the country entered recession.

09.01.2022 COFFEE LOVERS THIS ONE IS FOR YOU How switching your coffee buying habit could make you $134,000. Up until a year or so ago, I would buy a coffee every. single. day. Heck - sometimes twice a day (especially on Friday )... Every Barista within walking distance of my work place knew my name and what I ordered - it was great. Until... I started to really think about what that coffee was costing me. So - I bit the bullet and I bought a coffee machine, which I use religiously. Now - buying a coffee for me, is a special treat. To the maths. The average cup of a regular coffee (12oz) was costing me $5.50. But the cost of making my own; Coffee beans. I prefer Campos beans personally, they are a bit more expensive but bloody delicious (https://camposcoffee.com/). At $49 for a 1kg you can make around 62.5 coffees (double shot = 16grams of beans), therefore costing about 0.78c per cup Milk From a 2 litre bottle of milk, you could get around 6.8 coffees (355ml in a 12 oz medium coffee, less 60ml for the espresso shot = 295ml of milk). Assuming you don't buy supermarket brand milk (help the farmers) let's say $2.80 per 2 litre or 0.41c a cup. Coffee Machine Now I just got myself a basic Breville machine, similar to this one costing $899 https://www.thegoodguys.com.au/breville-the-barista-pro-smo Now study shows the average lifespan of a coffee machine is 6-10 years. I will calculate on the lower end, to be conservative. So let's say you are making 7 cups of coffee a week, over 6 years - that's 2,184 coffees for $899 equating to 0.41c per cup. So let's add it up. Beans = 78c , Milk = 41c , Coffee Machine 41c totaling $1.60 cup. A saving of $3.90 per cup, $27.30 per week or $1,420 per annum. NOW FOR THE EXCITING PART...... Let's say you invested that saving. The average Aussie share return over the last 30 years sits at 9.1% (https://insights.vanguard.com.au/static/asset-class/app.html). But let's be conservative and work on a 7% return. Should you invest $1,420 per year, with a 7% compounding return over thirty years - that would mean a total balance of $134,134. Made up of your actual savings over the period ($42,600) and investment returns ($91,534). I will continue to make my own, thanks. See more

08.01.2022 WHEN'S THE LAST TIME YOU REVIEWED YOUR SUPER? I have just finished preparing advice for a lovely young fellow who has taken the steps to meet with me to review his financial situation. As part of the advice I prepared for him, we reviewed his Superannuation.... I know, I know. Why do you care about super? Well - the chances are this is going to be the biggest asset you own if you continue to work and have regular contributions going in. I know what you're thinking - I have heard it all... "The Government will probably take it all any way". And while I won't get into that debate (for now) - I will pose a question to you.... WHAT IF they don't? Will you have wished you had taken more notice of it? Understood how it was invested, what fees you were paying? Any way - to the exciting part.... the result of the review... I was able to find a more cost effective super option for him and ensure it was invested in a manner that he was both comfortable with and that is expected to generate long-term returns in line with his expectations. The results of the projected balance available for him at retirement were remarkable. If he did nothing - his projected balance in just over 30 years' time would be $443,144. Under my recommendation, his projected super balance? Well - it came out at $545,203 (in todays' dollars - i.e. discounted by CPI). That is without any extra contributions, and in his case, without taking any more investment risk. The best apart about the process for him (he said) was that he was able to pay for his advice fee out of his super fund. This was really helpful for him, because right now he has his eyes set on a purchasing a property in the next 12 months, so he really didn't want fork out any fees that would impact his short-term goal. So - if "the Government is going to just take it any way", why not pay a portion of it to me? Just kidding (welllll half kidding...) ... but really.. what have you got to lose? Make an appointment today for an obligation free, complimentary review of your super. You ONLY pay IF you proceed with advice. See more

07.01.2022 Hi all, I urge you to please check your super balances and look out for money that has been rolled out of your account, without your permission or initiation. Twice this week I have been in contact with people who have either had funds leave their accounts, or have had a roll out requested (Each with different super providers). So please, login to your super accounts, check the transaction history, make sure your address is correct and check your MyGov (ATO) contact details as well. Please share this message with your family and friends.

07.01.2022 Today is my last day with ANZ Financial Planning following a business restructure which has seen a significant decrease in the adviser and support network not just in QLD but nationally. ANZ have been nothing but supportive during the redundancy period , particularly given the situation that we currently all face. I will miss our "Coastal QLD" FP team and all the staff at our local Bundaberg and Childers branches. ... Watch this space for my next move. Have a lovely weekend !

06.01.2022 I'm excited to announce I'll be re-joining FinChoice (previously Mortgage Choice) from next Monday the 16th. It will take a couple of weeks to be licenced again but can start taking appointments really soon. If you're looking for me I'll be at 143 Bourbong Street, BUNDABERG, or as always anything can be done by video, phone, email and post.... If you have any financial goals you need help achieving please make an obligation free appointment. I can help with superannuation, tax, investments, SMSFs , margin lending, cash flow and budgeting , debt management, centrelink, retirement planning, insurances including life, TPD, trauma, income protection, key person, business expense , key man, buy sell funding as well as claims on those aforementioned cover types. We also have a fantastic , experienced, mortgage broking husband and wife team - in house that have access to a huge panel of lenders , and we know now is a great time to be chasing those lower rates.

06.01.2022 Retiring from a paid job is stressful. The biggest concern I hear from my clients is "will I have enough money". I couldn't imagine starting the journey alone, without some guidance from a professional. I can help you with:... - Understanding what Centrelink entitlements you may receive and how to maximise these - Setting up an income stream from your Superannuation / Investments - Investing your assets for you in a manner that compliments your goals and tolerance to investment risk - Providing you with financial projections to give you an idea of how long your savings will last - Ensuring your Estate Planning is in order to give you the peace of mind that your assets will be left to whom you want them left and in the most tax effective manner Contact me today for a complimentary 1.5 hour consultation to discuss how I can help you.

04.01.2022 Client success story. I had a lovely couple come to me for some retirement advice. As it stood Mr Client was entitled to only $34 pf in Age Pension and Mrs. Client is not yet entitled to a pension. After a bit of shuffling around of assets, Mr Client is now entitled to a pension of $710 pf for the next two years until Mrs Client reaches Age Pension age. That's an extra $35,000+ in entitlements as a result of following my advice. ... What a great outcome

03.01.2022 Happy Easter weekend all you cool cats and kittens. I hope you're all spending invaluable time with your loved ones and staying safe. #ifyouknowyouknow