Payneham Financial Services in Payneham | Investing service

Payneham Financial Services

Locality: Payneham

Phone: +61 8 8362 2626

Address: 69 Portrush Road 5070 Payneham, SA, Australia

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

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15.02.2022 PROTECT YOUR INFORMATION When it comes to identity crime, do you know what to look out for? Identity documents are like gold to tax scammers. They can use things like your driver’s licence, passport and tax file number to: * steal your tax refunds and super * commit refund fraud in your name... * take over your business and submit amendments to your BAS. See more

24.01.2022 Want someone to give you money when you're old? Do it yourself! Kick your super into gear and thank yourself later!... Call Payneham Financial Services today to find out how we can help you grow your own money tree today!

24.01.2022 Why It Is Important For Women To Get Advice On Their Superannuation?! Women have more reason to seek advice on their superannuation than men because women are more likely to take a career break. Research commissioned by REST Super shows that women are less likely to make any superannuation plans for a career break despite being most likely to plan a break from their career. ... The research also showed that only 6% of the women who participated in the survey sought advice prior to commencing a career break! The break from work and super contributions is for women, often coupled with a lower salary than their male counterparts and can result in women retiring with up to $283,141 less than men. The fact that women are more likely to have a career break provides an opportunity to consult an adviser. The adviser can provide strategies to ensure that super contributions are supported or maintained. The advice could also result in a review of the investment settings of the portfolio to confirm they are reflective of the client’s needs, goals and situation. Give us a call at Payneham Financial Services to find out more! Our goal is to improve lives through financial advice. We believe if people feel positively about their finances, they will feel better about themselves and their lives will improve. The material for this article was sourced from Financial Standard Feb 2018!

23.01.2022 Insurance will provide a financial force field to protect you! Contact Payneham Financial Services to find the right #insurance for YOU today!

22.01.2022 Who will help support your family if you have an accident an get hurt? Make sure you understand what insurance works best for YOU! We can help you make the right decision today!... Contact us for a free consult today

21.01.2022 Superannuation is money being sent to the future for when you reach retirement What is your super doing while you are striving and perspiring? If you are moving and shaking to bring in the money then your super should also be sweating and succeeding. We can show you how to get your super working 24/7 and making stuff happen for you NOW!

19.01.2022 Women Helping Women Are you a woman who is approaching or at age pension age, own your home and living alone? Would you like to share your home on a rent plus cost and housekeeping basis with another woman who is of a similar age?... If yes please indicate your interest by contacting Des Tsagatos of Payneham Financial Services 8362 2626 or [email protected] Conversely if you are a woman who is approaching or at age pension age, living alone and interested in sharing a home on a rent plus housekeeping basis costs basis with a woman of a similar age, please indicate your interest by, contacting Des Tsagatos of Payneham Financial Services 8362 2626 or [email protected] Please share this post and support women who wish to help each other

18.01.2022 We have a useful summary of the 2020 Federal Budget on our website: https://www.pfsfp.com.au/news.html

17.01.2022 Can't see the future? Don't worry, we can't either! That's why Payneham Financial Services are experts in helping you stay protected from accidents that stop you from working!... Contact us to book a meeting today

17.01.2022 Are you looking for Financial advice? Don't know who to trust or where to go? Payneham Financial Services we offer our first meeting for free!... We want to learn more about you.We discuss what is important to you, what you wish to achieve and how we can help. If we believe we can work with a new client and the agreement is mutual we then start our journey together. Contact us today and let's see if we can help you!

17.01.2022 These people think that they're having a bad day... Wait till they find out they don't have #insurance

16.01.2022 Govt Employees: Superannuation Spoiler Alert! For government employees who are members of a state or federal govt super fund, there is a complication to the recent changes which allow employees to make tax deductible contributions to super. The complication is that state or federal government super schemes are not able to accept tax deductible contributions from anyone.... Part of the answer If you are a state or federal government employee and you want to be able to use super to reduce your tax, is to open a super account with a retail super fund. However there are a couple of issues which can cause grief in the form of financial penalties if you proceed without advice. Please call Des Tsagatos of Payneham Financial Services on 8362 2626 for more information on how your super can help you to pay less tax.

14.01.2022 Hello. Are you 3 maybe 4 decades from retirement? Then read on. Each year your employer is paying almost 10% of your salary into your superannuation fund. Superannuation is money being sent to the future for when you reach retirement. Meanwhile, here you are striving and aspiring at your employment until you reach retirement time, at which point you can meet up with your super. But what is your super doing while you are striving and perspiring? If you are moving and shaking to bring in the money then your super should also be sweating and succeeding. You don’t want your super to be on the sun lounge snoozing after a hard day by the pool for the next 40 years. We can show you how to get your super working 24/7 and doing stuff for you now.

14.01.2022 At Payneham Financial Services, our first meeting with a new client is at NO cost! We just want to get to know you first! We outline the services that we offer, i.e. we provide professional financial advice on how people can secure and improve and ultimately transition their financial capital!... We then ask questions of the clients to establish what their financial position is and what their objectives are for their family and themselves. If we believe we can work with the clients to assist them in achieving their objectives, we will say so! We don't want to waste your time! Contact us today for #financial help!

13.01.2022 Advice on insurance can be the support under your feet! Payneham Financial Services can help you find the Insurance that works best for YOU! Let's sit down and get you protected TODAY!

13.01.2022 Want to feel invincible? You might want to make sure you have the right kind of insurance to cover yourself! The role of insurance is to manage risk and to provide the money you would have provided if fate in the form of sickness, accident or mortality had not stopped you from working!... Contact us today to ensure your safety!

11.01.2022 Less Tax More Super!! Good news for people who wish to reduce their tax payable and top up their partners superannuation. If your partner is earning $37K or less and if you contribute $3,000 to super on your partners behalf you can reduce your tax payable by $540... The low income spouse contribution tax offset is now available to more couples making a contribution on behalf of their low income or non working spouse, aged less than 70 including a defacto or same sex partner. A maximum tax offset of $540 will available where your partner has an income of $37,000 per annum or less (currently this is $10,800 or less). To receive the maximum offset requires you to a contribution to super of at least $3000 on behalf of your spouse. A tax offset is better value than a tax deduction as it reduces your tax payable rather than your taxable income. The offset will gradually reduce if your spouse’s income is above $37,000 per annum and cuts out an income of $40,000 per annum, (currently this cuts out an income of at least $13,800 per annum!!!

11.01.2022 If you are receiving the age pension and wish to downsize your home, recent changes to superannuation now allow senior Australians to down size their homes and contribute large amounts of money (sorry, Facebook rules won’t let us give dollar or age numbers) to superannuation without having to pass the work test. Downsizing and access to superannuation will allow people to get higher returns on their money than bank interest and maintain/improve their quality of life. Call Des Tsagatos on 8362 2626 to find out how much money you can put into super from downsizing your home.

11.01.2022 Is your business struggling to stay above water? Finding it hard to grow? At Payneham Financial Services we take a positive proactive approach with our advice!... We want to: -Add value -Reduce tax -Make business simpler easier and more profitable We look at your personal and business position situation with view to managing risk, reducing costs and improving your profits! Contact us today for business advice!

11.01.2022 How will you earn money if you have an accident?! Payneham Financial Services can help you find an insurance that will work for you when you can't! Contact us today to find out how we can help you!

10.01.2022 How much income would you have if you retired (at age pension age) with $150K of super? Let’s assume you owned your home and had no debts. If you were single, your income would consist of the full age pension plus the energy and pension supplement, a total of $883.30 per fortnight ($22,965 annually). You would also receive another $6,000 a year from your super which would give a total annual income of $28,965. A couple in the same circumstances, i.e., age pension age, own home and no debts would receive $34,819 from the age pension including supplements, plus another $6,000 from their super for a total income of $40,819. Please contact Des Tsagatos on 8362 2626 for more information on how to build your retirement income.

08.01.2022 Your superannuation could help you reduce debt and/or service an investment loan. You may be eligible to turn your super into a pension and keep working. The pension income can be used to reduce debt or to service an investment loan. Reducing your home mortgage will reduce your bad debt, i.e. non-tax deductible, and reduce your living expenses.... The use of an investment loan can help boost your retirement capital and reduce the tax payable on your income. Call Des Tsagatos, on 8362 2626 at Payneham Financial Services to find out how your super can work harder for you.

08.01.2022 Do you have a family member that is entering aged care? Do you have a lot of questions in regards to the avalanche of information you have been provided with? Financial advice can have a major impact on both the client entering aged care and their family!... Payneham Financial Services understands that all situations require a personal approach and we try to achieve the best possible outcome! Contact us today to feel more educated about making the right choices.

07.01.2022 More Tax Planning Tips for Non Time Travellers In my previous article, I mentioned that unless you could travel back in time there was no point in talking to your accountant/adviser in July or August about paying less tax because once the financial year is done you’re your only hope is time travel. However if you act now, you can leave the Tardis parked in the shed. The first tip is to take out income protection insurance! The cost is tax deductible and it guarantees your ...financial security and independence when you need it most, i.e., when you are sick/injured and unable to fend for yourself. Other tax planning tips; prepay interest on an investment loan and/or prepay rent on commercial premises. If your spouse earns $37K or less, contribute $3K to his or her super and receive a $540 tax rebate. Tax rebates are good because they reduce your tax payable not your taxable income. Investment loans on properties are usually big bucks, several hundred thousands of dollars. However, an investment loan to purchase a portfolio of managed funds can be circa $100-200K. Managed funds are liquid, low cost, low maintenance and wealth accumulative. Want to know more about how financial advice can improve your life? Call Des Tsagatos 8362 2626 or email [email protected]

07.01.2022 How will you earn money if you have an accident? Payneham Financial Services can help you find an insurance that will work for you when you can't! Contact us today to find out how we can help YOU!

06.01.2022 How much superannuation is enough? This question can be answered by selecting the annual income you require and working out how much super you need to make it happen. Today I will explain using the example of a couple who own their home, are debt free and would like an annual income of $47,000 after tax. The couple are homeowners and at age pension age. They have a combined super/pension balance of $280,000, plus cash, car and contents totaling another $30,000. Their income would consist of the age pension $33,385 + $14,000 from their superannuation pension(s), total $47,385 tax free. Please call, Des Tsagatos of Payneham Financial Services on 8362 2626 for more information.

06.01.2022 This is going to be a big year for investors. How so? A big change for the better to superannuation came into effect on 1 July 2017. Every investor who is under 65 will be able to have up to $25k contributed into their super and claim all or part of the $25K as a tax deduction! This is really big news especially if you are an employee. Previously employees were not able to make deductible contributions, however now you as an employee can put money into super and clai...m a tax deduction. Here’s how it works. If your employer contributes $8k into super on your behalf, you can contribute up to $17K and claim a tax deduction on the $17K you contribute. Investors who wish to reduce the tax payable on their capital gains can use super to make tax deductible contributions up to the $25K limit (includes employer contributions). If you are self employed or under 65 and not working, you will be able to contribute up to $25K and claim a tax deduction.

06.01.2022 This is your last opportunity to make large contributions to super by the end of June. The amount you can put in after June reduces. The next 15 business days are your last chance to get a tax deductible contribution into super before the end of the financial year. Do you have a home loan or investment debt which you would like to pay off before you retire? If yes, call me to find out how you can turn your super into a pension and still keep working. Conditions apply. Des Tsagatos 8362 2626

03.01.2022 There’s no bad time to seek financial advice, but there are five situations where it’s more important than ever. If you think financial advice is just about helping you save more for your retirement, think again. No matter where you are in life, getting good financial advice can help put you in the best possible place to achieve your life dreams, and protect you if things don’t go to plan. Here’s the 3rd way your adviser can help you through some of life’s big events. 3. En...ding a relationship Not every relationship lasts, and break ups can be painful and often financially detrimental. Your adviser can help you work out how you and your former partner can split your shared assets (once you have reached an agreement with your former partner), including super and the family home. They can also help you get your finances back on track, with a budget to suit your new situation and lifestyle. Call us on 8362 2626 for more information.

03.01.2022 Meet the Payneham Financial Services team! At Payneham Financial Services we look at your overall financial position and provide advice to help you reduce risk, reduce tax and grow your capital. The combined approach of financial planning and accounting enables our clients to get a better handle on their overall position. ... This perspective enables our clients to view their position from a high level and make strategic decisions on how they wish to proceed. Our goal is to improve lives through financial advice! Contact us today to find out how WE can help YOU!

03.01.2022 Still haven't found the right #insurance for you? Watch this video. You don't want to get injured at work without insurance!... Make sure you contact Payneham Financial Services today and we can help YOU!

03.01.2022 What will happen if you get injured in a freak accident at work? Who's going to support your family? At Payneham Financial Services we can help you!... Let us ensure your family is protected, call us TODAY!

02.01.2022 A change is coming! New office space available. The building works at the front of our office are for a small extension at the front of our building. The extension will make a separate suite, consisting of 3 offices, a reception area and a board room. The plan is to have the work completed by 30 June, if not sooner. Any enquiries from potential tenants are welcome, please call Des 0407 975 725.

02.01.2022 Who will support your family if you get injured and can't work? Payneham Financial Services are experts in protecting families! Protect your family with one quick call today! ... Contact us to find out how we can help YOU!

01.01.2022 We have a brand new website coming very soon! Make sure you watch this space! If you're looking for financial advice TODAY you can still call us on (08) 8362 2626 or Click the link below to see our old website and get help now!... http://www.pfsfp.com.au/