Manly Financial Services in Sydney, Australia | Financial service

Manly Financial Services

Locality: Sydney, Australia

Phone: +61 2 9976 3388

Address: Level 1, Suite 105 and 106, 39 East Esplanade, Manly 2095 Sydney, NSW, Australia

Website: http://www.manlyfs.com.au

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25.01.2022 Need to rebalance your investment portfolio? This needs to be approached with caution during these turbulent times but reviewing your asset allocation and risk profile to ensure it aligns with your financial goals has never been more important Below are several of the elements you should take into consideration ... Financial Situation Goals & Objectives Alignment With Personal Values Expected Investment Performance Time Horizon Risk Tolerance/Capacity Investment Structure Asset Allocation Asset Classes If youd like to know more please let us know in the comments below and well publish additional content on this subject or reach out to us direct (02) 9976 3388

25.01.2022 The whole world is in disarray right now, but there are several things you can do to help protect you financially and maybe even improve your position

24.01.2022 Ingredients of a Good Personal Financial Plan Part 3 The way you structure your mortgage, or mortgages, can have an enormous effect on the success of your personal financial plan. Not only will it impact your cash flow, but it can have far-reaching consequences on your tax position, even your ability to respond to opportunities and changing market conditions.... This article explores the third element, Mortgages and delves into the key elements you should consider before making any decisions.

23.01.2022 These changes could affect your familys financial future The banks and major financial institutions are exiting the financial planning market, do you know how this will impact you? Click the link below to see if and how you may be affected.... https://manlyfs.com.au//what-do-the-banking-royal-commiss/ See more

23.01.2022 Keeping an eye on the future? Reviewing and where necessary adjusting your personal finances to ensure you short term financial requirements are met while minimising risk is of course advantageous, but before making any adjustments keep in mind the medium to long term impact this will have on your financial strategy. For example accessing funds from your superannuation early as well as providing a short term injection of cash for essential living expenditure, also opens... up additional opportunities, but at the same time depending on a selection of factors including personal circumstances and timing, has the potential to negatively impact your medium to long term wealth. Also pay attention to the impact adjustments to one element of your strategy such as cashflow, may have on other elements. Elements to keep front of mind when making adjustments include: Cashflow Management Debt Management Insurance Estate Planning Investments Superannuation If youre interested in know more or just have a few questions please feel free to leave comments below or reach out direct (02) 9976 3388

23.01.2022 This video outlines a robust approach to investing, helping you to achieve your short, medium, and long-term aspirations Over time, your income will rise, and traditionally plateau off as you get closer to your retirement years. During this period, you may wish to adopt a wealth tank strategy A wealth tank includes savings accounts for our short-term savings, growth assets for our medium-term investments, and superannuation assets for our long-term... Check out the video for more detail and if you'd like to know more, please feel free to reach out to us [email protected] (02) 9976 3388

22.01.2022 Episode 2 of the Unlock Your Business Podcast is now live! This episode is a discussion on the importance of defining your Why, your Purpose and your Values to get you through times of stress with your business.... whether these are market related, customer related, staff related or environment related. This episode reminds us at this times of stress with the Covid-19 affecting our business operation and performance Why we are in Business and Why we do what we do to help us ...play the long-game and build a sustainable and profitable business. This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The podcast can be downloaded from Spotify, iTunes, your podcast player or via the link https://unlockyourbusiness.libsyn.com/ep-2-know-why-youre-i

22.01.2022 Close to retirement You have some big decisions to make as you plan the transition from accumulation phase to retirement phase... You can choose to receive your funds in the retirement phase in three main forms Lump sum Retirement income stream Combination of both .but were you aware of the Transfer Balance Cap (TBC) which impacts the amount you can transfer tax free. Interested in knowing more, please feel free to reach out via phone (02) 9976 3388 or send us a message

22.01.2022 You know we are in Manly but not sure as to where!! Take the lift to level 1 & you cant miss us. #manlyfs

22.01.2022 Debt, debt, debt... Heres how to manage & repay debt

21.01.2022 First home buyer? Heres some early info on a new scheme to allow first home buyers to purchase a property with a deposit as little as 5 per cent

21.01.2022 Demystifying the Financial Planning Process Do you want... Financial Independence?... Growth? Security? Wealth? Protection? Heres how we do it See more

21.01.2022 Pending changes to Super 1st April 2020 The rules around insurance paid through super will be changing in April... In most cases after this date trustees will be prevented from providing opt out insurance If youd like to know more about what this means and how it could impact you, give us a call (02) 9976 3388 or send us a message

20.01.2022 Ingredients of a Good Personal Financial Plan Part 2 Property is an integral part of any good personal financial plan. Property can mean a range of different investments commercial, retail, industrial, residential and even property trusts. So what are your options, and their implications?... Over the next few weeks, we will be looking at the key components of a well prepared financial plan. This article explores the second element, Property and why it’s such an important part of a balanced personal financial plan.

20.01.2022 How Do Investment Professionals Manage Investment Risk? As a personal investor, developing an understanding of how they approach this will enable you to develop a greater understanding of how to make informed decisions This article explains two of the regularly used tools and the principles behind them ... Reach out to us if youd like to know more! [email protected] (02) 9976 3388

19.01.2022 Eligible for the new First Home Loan Deposit Scheme? The First Home Loan Deposit Scheme (FHLDS), commenced from 1 January 2020 ... If youve saved a deposit of at least 5% you may be eligible Dont hang around as FHLDS only supports up to 10,000 eligible first home buyer loans each financial year. If you have any questions, post them below or reach out to us direct!

19.01.2022 Changes to Personal Financial Planning In 2020 You Should Be Aware Of! The current situation in the Australian personal financial planning and financial market, could only be described as a Black Swan Event. That is, something that happens even though it seems impossible. So what do investors need to do to not only survive this Black Swan Event, but to thrive, with their financial futures intact?... We explore the key elements within this article and outline steps you might want to consider

18.01.2022 Episode 3 of the Unlock Your Business Podcast is now live! This episode is a discussion of some main points a Financial Planning Adviser Buyer needs to look out for to ensure they are dealing with one of the majority of ethical and professional financial planners in the marketplace and not the bad-apple minority that we only hear about in the news. Although this podcast is designed specifically to talk Financial Planning & Business Management for business owners and operato...rs, this episode would be of great benefit for all people who are thinking of engaging a Financial Planning professional. So please share! This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The podcast can be downloaded from Spotify, iTunes, your podcast player or via the link https://unlockyourbusiness.libsyn.com/ep-3-financial-planni

15.01.2022 Businesses are rapidly adapting to unprecedented levels of change, empty offices being the new norm, but have you reviewed your own financial situation to ensure youve minimised your risk exposure? For those of you who have not already benefited from the advice we are able to offer, please feel free to reach out for a no obligation financial health check. To book an appointment please call us (02) 9976 3388 or send us a message

15.01.2022 Ingredients of a Good Personal Financial Plan Part 1 Creating a good personal financial plan is a lot like baking a cake. If you leave one element out, or get the ratios wrong, it won’t rise properly, and you won’t get the results you are hoping for Over the next few of weeks we will be looking at the key components of a well prepared financial plan... This article explores the first element, Portfolio Management and why it’s such an important part of a balanced personal financial plan

14.01.2022 The Secret Ingredient To Investing! Have you ever wondered how some people manage to achieve huge returns on their property or share portfolios? Just lucky, really good investors or is there something else?... Well this video provides the answers If you’d like to know more please reach out to us in the comments below or direct via [email protected] (02) 9976 3388

14.01.2022 On a reduced income during these uncertain times? Here are a few quick tips to help you minimise the impact, compiled into a short article. Simply spending less is unlikely to be an effective approach... Applying a few easily implemented ideas could have a big impact Acting now could make the difference between bouncing back or crawling once the bugs have been brought under control If youre interested to know more or just have a few questions please feel free to leave comments below or reach out direct (02) 9976 3388

13.01.2022 Three Questions You May Want To Consider When Developing Your Asset Allocation Strategies Do You Have A Financial Plan Which Asset Classes Should Be Included Strategic or Tactical Asset Allocation... In this article, which is part of a series of articles on this subject, we delve not only into what these three questions are, but also break down the elements behind these questions, to help you develop a robust asset allocation strategy. Please feel free to connect if youd like to know more [email protected] (02) 9976 3388

13.01.2022 Thinking of having a child Might be worth checking to see if the recent changes to the Paid Parental Leave Scheme could impact you... Interested in knowing more, then give us a call (02) 9976 3388 or send us a message

10.01.2022 Recession or Bounce Back? The Reserve Bank is cautiously optimistic about the future and has signalled a change in focus from managing inflation to reducing unemployment This article explores the Reserve Bank Governor Philip Lowe’s opinions on these topics and breaks down the key elements to provide you with some clarity ... If you’d like to know more please reach out to us [email protected] (02) 9976 3388

10.01.2022 How Understanding Asset Classes Can Help You Getting your head around the available asset classes, what they have to offer an investor and their characteristics, can make a big difference to the performance of your investment portfolio This article investigates the key aspects of asset classes and how these relate to improving investment performance over time, specifically... What Are Asset Classes The Traditional Four Alternative Asset Classes If you’d like to know more, feel free to reach out to us [email protected] (02) 9976 3388

10.01.2022 We can all laugh at the toilet paper shortages, but not being financially prepared for the impact of COVID-19 isnt so amusing. Its all very well to stock up on toilet paper, but have you checked youre adequately insured, your investments are well structured and you have access to funds for your short term requirements? If your answer to any of the above is NO, now is the time to have a discussion with a financial planner, to see what can be put in place to help you navig...ate through these turbulent times. If youd like more details on what you should be considering or interested in a financial health check, please feel free to reach out via phone (02) 9976 3388 or send us a message

08.01.2022 Ingredients of a Good Personal Financial Plan Part 4 SMSF Superannuation is a huge part of any good financial plan. When thinking about Super you essentially have two options, a traditional fund or a Self-Managed Super Fund (SMSF) The popularity of SMSF’s has grown enormously in the past five years and there are some great benefits, but also some downsides.... This article explores the fourth element, Self-Managed Super Funds, answering common questions, including a breakdown of the advantages and disadvantages, to help you evaluate whether this is something worth investigating further.

08.01.2022 4 strategies to reduce your taxable income before June 30th This is the third in a series of articles within which our Managing Partner Raffi Pailagian shares his thought on the best approaches during these turbulent times, based on experience gained during the GFC Reducing you taxable income, is just one of a selection of steps available to you as part of a wider strategy, to improve your long term financial wealth and achievement of lifestyle goals ... If this article raises any questions you would like to discuss, please feel free to message us or reach out direct for a confidential discussion [email protected] (02) 9976 3388

08.01.2022 11 Ways To Legally Pay Less Tax Tax is one of the major causes of leakage in any financial plan. While you must comply with tax laws, there are myriad ways you can structure your finances to allow you to legally pay less tax, which will have a positive effect on your overall financial plan. This article investigates how to reduce the amount of tax you pay, either by reducing your taxable income, or by reducing the tax payable on a portion of your income.... In Australia there are 5 tax ‘brackets’. How much tax you pay is based on your income from any source, whether it be a PAYG paycheque, rental income or share dividends. These brackets range from zero percent tax on income under $18,200, to 45% tax on income over $180,000. The higher your taxable income, the more benefit you can derive from tax minimisation strategies. There are essentially two kinds of tax savings you can make, Deductions, and Offsets/Rebates, and they operate quite differently which this article investigates in more detail. If you’d like to know more please reach out to us in the comments below or direct via [email protected] (02) 9976 3388

08.01.2022 What You Need To Know About Retirement Income Strategies The answer is not as self-evident as youd imagine, as your investment needs in retirement are very different from your needs during the wealth-building phase that got you there This article which is the second in a series on retirement planning, examines several of the key elements a robust retirement income strategy should include, as well as an introduction to the Sequence Of Returns Risk.... If youd like to know more please reach out to us [email protected] (02) 9976 3388

07.01.2022 When Should You Start Planning For Retirement? Yes in most circumstances the earlier you start the better, but there are several questions worth asking and understanding to provide you with a more solid answer. This article is part of a series we are releasing on retirement planning and delves into... Where Do I Start How Much Income Will I Need What Will My Limp Sum Need To Be When Can I Afford To Retire Tax Considerations If this raises any questions youd like to discuss, please feel free to reach out to us [email protected] (02) 9976 3388

07.01.2022 Is your Superannuation Package Protected? Do you understand how the legislative changes which came into effect from 1st July 2019 may impact you? If you have any uncertainty, please feel free to reach out to us

06.01.2022 Interested in finding out how we helped our clients through the GFC and how this could help you now? This is the first of a series of vlogs from our Managing Partner Raffi Pailagian, which strips away the complexity and outlines how to retain or regain control of your financial situation In this short vlog we investigate the two initial principles which need to be considered ... Where Are You Spending Now? Implementing Your Plan Additional vlogs will be released over the coming weeks stepping you through the journey and sharing insights gained, but if you have any questions youd like answered in the meantime, please feel free to leave comments below or reach out direct (02) 9976 3388

06.01.2022 Ingredients of a Good Personal Financial Plan Part 5 Superannuation Superannuation is one of the cornerstones of any financial plan. Getting your Superannuation right can mean the difference between a comfortable retirement and spending your time counting pennies. Traditional Super funds provide you with an enormous range of options. It can be confusing, because everyone tells you their fund, their structure, their options are the best. And it is hard to compare ...because often you are looking at apples and oranges. But the Superannuation options you choose can make a big difference to your final retirement amount. This article explores the fifth element Superannuation, covering the potential benefits, account types, categories, investment options and pointers to assist with selecting the right super fund for yourself. #superannuation #financialplanning

06.01.2022 Interested in how to effectively Pay off personal debt? This is the second in a series of articles within which our Managing Partner Raffi Pailagian shares his thought on the best approaches during these turbulent times, based on experience gained during the GFC. Further articles in this series will be released over the coming weeks, but please feel free to message us or reach out direct in the meantime, if you have any questions... [email protected] (02) 9976 3388 See more

06.01.2022 COVID-19 Government Support Packages The Australian Government have and continue to release a range of financial support packages for individuals and businesses, but the shear number and options can be overwhelming for most people Below are a list of the main ones for individuals and households you may want to investigate... Changes To The Social Security Deeming Rates Early Childhood Education & Care Relief Increased & Accelerated Income Support JobSeeker Payment JobKeeper Payment Additional Support Payments For Pensioners Temporary Early Access To Superannuation If youd like to know more about how these could impact your financial situation, please feel free to reach out to us direct (02) 9976 3388 or in the comments below

05.01.2022 Not Sure What’s Driving The Current Strong Market Performance? At a time when you’d expect to see a major drop in the market's performance due to the global impact of COVID-19, we are seeing the exact opposite, which is confusing personal investors. To help explain what is happening and why, we have recorded and transcribed a vLog which you may want to review, that delves into the key elements and how they are impacting the market

04.01.2022 What Is The Compound Interest Formula? Depending on the type of financial product you are talking about compound interest is either a miracle or something far less desirable There are all sorts of complicated formulas for calculating compound interest that relate to interest rates and periods, but let’s just keep it simple, because it’s really the principle that we need to understand ... The simplest formula for compound interest is: I = P x r x t ‘I’ is the interest in dollars, ‘P’ is the principal in dollars, ‘r’ is the interest rate expressed as a decimal and ‘t’ is the time period in years If you’re interested in learning more, check out our latest article which digs into this in a little more depth or reach out to us to discuss how this could be applied most effectively to help build your wealth

04.01.2022 The 4 key factors used by experts to read an economy Ever wondered how experienced investors read an economy, well this article investigates one approach using key factors which enables them to rapidly identify economies of interest These factors are:... GDP Interest Rates Inflation The Labour Market The relationship between these factors is vital for maintaining balance in the economy, as each one has an impact on the others, so understanding these metrics and how they interact can help you rapidly identify opportunities to investigate further or avoid. Over the coming weeks well be releasing additional articles exploring other aspects involved in making investment decisions, but please feel free to message us in the meantime if you have any questions, or reach out direct (02) 9976 3388

04.01.2022 Changes to Income Protection you should be aware of APRA have released a range of guidance changes which will take effect over the next 16 months, one of which took effect last month From 31 March 2020, APRA expects insurers to discontinue writing income protection insurance contracts where insurance benefits arent based on income at the time of claim, including agreed value (and endorsed agreed value) contracts... These measures shouldnt impact the income protection insurance contracts of existing policyholders, unless their current policy ceases and needs to be replaced, but check with your Financial Planner to ensure you are not impacted If youd like to know more please let us know in the comments below and well publish additional content on this subject or reach out to us direct (02) 9976 3388

04.01.2022 Why Should Independence Should be Important to You? There is some resistance in the community to paying a fee for independent financial advice. In fact, cost is the single biggest reason for not seeking advice. However, there are two ways in which a financial adviser can be remunerated for providing you with advice product commissions or charging a fee.... The problem with Commissions is that they become what is known as Conflicted Remuneration a term you have no doubt heard used a lot if you have followed the Banking Royal Commission in the media. Conflicted Remuneration This refers to commission an adviser may earn on a particular product which may influence the choice of financial product they present to their client. This type of income was identified in the Ripoll Report of 2009 as the leading cause of poor financial advice provided to clients. Paying a fee for financial advice means that you can be reasonably confident your financial adviser is recommending a product based on its features and suitability, not the one that provides them with the most attractive commission package. In an upcoming article well discuss the difference between general and personal advice and how this also impacts product choice. So, whilst paying a fee may seem like it costs you money, the independence, increased transparency and flexibility it provides will in most cases outweigh the cost in terms of investment returns. Need help? Send us a message by clicking the link below. See more

04.01.2022 Do you understand the new salary sacrificing arrangements? From the 1st January 2020 a selection of changes were introduced Have you checked with your financial planner how this could impact you?... If you are unsure, please feel free to reach out to us See more

03.01.2022 Is the Financial Planning process daunting? Dont know what is involved? Hopefully this video will shed some light on the Financial Planning process at Manly Financial Services. https://youtu.be/b1ZxNMIwcxM

02.01.2022 Confused about who you need to speak to for financial advice? We find few people understand the difference between a Financial Advisor and Financial Planner, which makes seeking out the right advice even more difficult. To help unravel this confusion weve written a short article you may be interested in ... https://manlyfs.com.au//difference-between-a-financial-pl/

02.01.2022 Which asset classes should you invest in? Cash Fixed Interest Property... Shares With only four main types of asset classes that can be invested in, youd imagine the decision would be fairly straightforward, but to maximise your opportunities for growth and minimise your risk exposure, a good understanding of the sub-classes will help you get ahead. If youd like to understand your options with more clarity, reach out to us (02) 9976 3388 or send us a message

02.01.2022 Manly Financial Services is a proud sponsor of the Unlock Your Business Podcast - Business Management & Financial Planning podcast for Small to Medium Businesses. Episode 1 Leveraging or Unlocking Your Business. What does this mean and why is it important? Ep 1 is a discussion on the importance of unlocking your business for wealth creation in order to reduce risk and create wealth. I discuss my business background to explain the reasons for starting this podcast and what ...this podcast will and will not be. Finally, I briefly cover 3 strategies to unlock business wealth that will be explored in more depth in future episodes. This podcast is brought to you by financial planning firm Manly Financial Services and investment manager Value Investment Partners. The podcast can be downloaded from Spotify, iTunes, your podcast player or via the link https://unlockyourbusiness.libsyn.com/episode-1-leveraging-

02.01.2022 Passive v Active Investing, which is better suited to the current market conditions? The various benefits and how these relate to different market conditions are explored in this article, providing clarity around why certain approaches tend to outperform others during different financial cycles Areas covered include... Cost Flexibility Levels of Certainty Tax Efficiency Over the coming weeks well be releasing additional articles exploring other aspects involved in making investment decisions, but please feel free to message us in the meantime if you have any questions, or reach out direct (02) 9976 3388

02.01.2022 How To Reduce Your Mortgage & Debt In these days of record low mortgage rates, now is the ideal time to identify how to reduce mortgages and minimise exposure to debt Within this article we take a look at strategies to help pay off mortgages faster and explain several concepts to assist you with making informed decisions ... If youd like to know more, wed be delighted to hear from you [email protected] (02) 9976 3388

01.01.2022 What Is Financial Planning and How Can It Help Me? Our financial advice service is tailored to meet our clients needs whether this involves focusing on specific areas of advice via our Financial Planning & Advice Service, focusing on the complete picture of our clients financial situation via our Holistic Financial Advice Service, or focusing on the retirement planning needs of our clients via our Retirement Planning Service. For more information please call us on (02) 9976 3388 or click on the link https://manlyfs.com.au//what-is-financial-planning-and-ho/

01.01.2022 Share markets are plummeting around the World But heres 5 things you can do to protect your wealth

01.01.2022 Retirement on the horizon? Its worth thinking about how youll approach your finances now. Consider the following questions... Will you be downsizing and paying off all debt?... How do you access your super and what is the best way to structure your assets for retirement? Are you eligible for the Age Pension and other Government support benefits? All a bit overwhelming? We get it. If you have a question about planning for your retirement, why not post it in the comments below? Were always here to help!