Renouf & Partners Financial Planning in Breakwater | Financial planner

Renouf & Partners Financial Planning

Locality: Breakwater

Phone: +61 428 581 428

Address: 4a Reeves Ct 3219 Breakwater, VIC, Australia

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

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25.01.2022 Thanks Jen and Bec!

25.01.2022 Strategy is so important. As much as we all (me included) like to bank bash. The new bank levy (tax) has ripped $14Bn out of the share prices..... With our share portfolio's being so heavily laden with banks, this is going to hurt most investors.... So it looks like the investor is going to pay via increased banks fees. As well as being hit in the hip pocket via a decrease in wealth. Knee jerk reactions arent the right move, planning and strategy is required....

25.01.2022 The ATO may communicate with members who may be affected by the superannuation changes starting 1 July 2017. From now until June, members may receive a letter, email or SMS from the ATO outlining key changes to their super. This may include correspondence to members affected by: -changes to the superannuation non-concessional (after tax) contributions cap -the reduction of the concessional (pre-tax) contributions cap to $25,000 per annum... -the introduction of a transfer balance cap of $1.6 million for pension-phase accounts -total superannuation balance changes See more

24.01.2022 To all our valued SMSF clients, the ATO has granted SMSF's a little bit of breathing space to lodge 2017 returns. We would still like to see your records asap though. https://www.ato.gov.au//ATO-extends-due-date-for-2016-17-/

24.01.2022 ETF's over Coffee with Damon Gosen, VP Business Development, Van Eck

24.01.2022 Stephen Maynes catches up with Michael Watson from Latrobe Financial in this edition of 'Coffee Talk' Please like and follow for more episodes.

24.01.2022 Renouf & Partners, Proctor Accounting and Integral Insurance are teaming up in October for what we hope will be an annual golf fundraiser. (Details still to be confirmed) Ambrose Format. We would be looking for paying players, (golf and food included) Hole Sponsors, donors of Auction and or Raffle Items .... So who would like to have a few beers, have some fun and support some local charity? Great for business development and networking. Profit donated to a charity, which we may change each year. As we will have limited player numbers 78 and hole sponsors 18, we are looking for expressions of interest. (We have already 20+ committed) If you are interested in playing, donating, sponsoring or all of the above, please contact me for more details. I look forward to hearing from you.

23.01.2022 This weeks episode of Coffee Talk with Darren Halley from Integral Insurance Services. https://youtu.be/3vTSFBgXw2U

23.01.2022 Very pleased to say our new website is up and live: https://renoufpartners.com.au/

23.01.2022 Pretty Much Sums it up....

22.01.2022 Fasten your seatbelt folks, they have tried to destabilize the Australian Property Market, now the share market.....do these clowns want a recession? Let's not try to talk ourselves into pneumonia from a cold. The market is a clever beast, those trying to effect the market......not so much.....

22.01.2022 Coffee Talk this week ESPO....with Damon and Steve. https://youtu.be/lPl-6aUul9U

22.01.2022 Join us for coffee talk this week as we discuss ESG with Stuart Robinson from Vanguard.

22.01.2022 We are moving, please note that as of Friday 23/04/2021 we will be in our new office at 4A Reeves Ct, Breakwater We look forward to seeing you there.

21.01.2022 Hi Folks, we are experiencing email issues today. If you get email bounce back please resend. Sorry for any inconvenience.

21.01.2022 That’s a wrap.. I’ve been busy working on something that has combined both passion and an unrealised calling and now she’s done. I’m am really proud of how th...is piece has come together and I absolutely love it but I also love my job working with Brumbies. So if you think you need this piece in your life, tomorrow morning from 9am until midnight Friday, I’ll running a silent auction to raise funds for Jen Renouf, Southern Brumbies Educating & Rehoming training facilities. As I’m sure you are mostly aware I run this as a business not a NFP (there are so many institutions out there that need your help) so all the $$ I can personally raise the better the chance I have to continue to rehome, and less eye ball rolling from my ever suffering husband - love you! Special thanks to Donna Crebbin -Pixs Pics- Photography for allowing me to use one of her beautiful photos of the late Paleface and his mob, who sadly perished in the 2019/2020 bushfires. And thank you to MINT by michelle for sharing her skill and knowledge to help get the piece done. Thanking you all in advance for your support. Link to the event auction page: https://fb.me/e/NGc8fxEa See more

21.01.2022 A little freshen up...thoughts?

20.01.2022 Merry Christmas. Please note: our office is closed from 21/12/2020 - 04/01/2021

20.01.2022 Last night was Budget Night, and what does it mean for most of us? In general terms here are some points to note: (these are my thoughts not advice) - Medicare Levy increasing by .5% from July 1 2019. For funding of the NDIS. - First Home Buyer have the option of saving via super for their first home deposit. Some potential tax savings for the first home owner, max amounts for a couple is $60k over 2 years. Not part of the policy, but is this a move to encourage regional e...xpansion? - 65+ aged people can sell downsize and contribute into super. Again there are caps and is it the right strategy? But again it serves for a couple of financial strategies for people contemplating retirement. - Changes to treatment of LRBA via SMSF, going to effect cap calculations moving forward? - Tougher rules for foreign investment into Real Estate. Looks like the old FIRB rules for developers. CGT for PPR removed and a vacancy charge for future (6 month or less occupied) foreign investment purchases. Ideally reducing demand, hence taking some pressure off the domestic housing market. - $20k small business write offs extended for another year. Trying to stimulate the economy at the lower end. - University Fees going up, effectively banking future tax payments. This is a hot bed...so I am not going to get on my soap box about this one. - Childcare rebates means tested, more pressure back at the coal face. - Marginal Tax Rates unchanged. - Property Investors, your property related travel expenses will be no longer tax deductible. There goes the WA miners coming to Melbourne for the GF and viewing their investment properties. - Property Investors substantial changes to depreciation, speak to your accountants about this one...... - Small company tax rate deduction ($10M aggregated turnover and below). - One off Energy assistance for some pension holders. There is heaps of other details, so if you have any questions please email me. We have a pile of briefing papers coming through today that I can share. As mentioned above, these are the outlines and some of my thoughts. If you want specific advice in relation to you personally, contact me directly and we can discuss. Remember that all these measures need to get approved by parliament before they are set in stone. That said, most of the time they do. In a nutshell, we need to......pay tax. The Government needs to balance the books and they are going to get us to pay....

19.01.2022 No shock here.... In an emergency meeting called weeks ahead of its usual date, the RBA has taken the unprecedented step of cutting rates to 0.25 per cent and committing to the purchase of government bonds in the secondary market a quantitative easing program.

19.01.2022 Continual pessimistic talk in the market.....now rates start to go up. Government and opposition, please someone show some leadership!

18.01.2022 Proud to support a great organisation and structure.

18.01.2022 RBA rates on hold....silence reigns we all get wet........literally

18.01.2022 Emails are back up, sorry for any inconvenience.Emails are back up, sorry for any inconvenience.

18.01.2022 https://twitter.com/RenoufFP/status/1054864573717602304 If you have or are thinking of having an investment property, a good read.

17.01.2022 I talk about this every day........

17.01.2022 Great explanation of Exchange Traded Funds.

17.01.2022 Not a bad way to spend the day in the office...

17.01.2022 Merry Christmas, from our crazy crew to yours. May 2018 be an even better year!

16.01.2022 Merry Christmas All.

16.01.2022 RBA meets for a coffee and a catch up.....no news here.

16.01.2022 HAPPY NEW YEAR....well nearly! Yep, that's right; Saturday is the start of the New Financial Year 2017/18. So what has changed for you? ... What plans do you have for the next year? Are you just rolling with the punches? The next couple of weeks is a perfect time to plan, re focus, be strategic and determine what changes you are going to make to make the new year the year you want it to be. Is it going to be easy? ABSOLUTELY...NOT.... Is it worth it? ABSOLUTELY. We are away on leave for the next few weeks. We will be enjoying a vacation, business planning and investigating some other markets sectors and opportunities whilst away. We think 2017/18 is going to be a fantastic year! I wish you health, wealth and happiness..... Happy New Year! Cheers Adam

16.01.2022 RBA leave the cash rate unchanged.

15.01.2022 As was widely anticipated, The RBA has cut the cash rate again today. Cash rate is now .50%

14.01.2022 Please subscribe to our YOUTUBE page, as we will be making regular contributions.

14.01.2022 Any support would be greatly appreciated.

14.01.2022 THE MORRISON GOVERNMENT AND YOU In many ways, the re-election of the Coalition government is a mandate for more of the same. But there a number of key election promises that may impact you depending on your life stage..... For the full article continue reading on the following link: https://renoufpartners.com.au/resources

13.01.2022 Big 4 in good shape... What is public sentiment? (please keep it clean)

13.01.2022 RBA Cuts cash rate to 0.75% https://www.rba.gov.au/media-releases/2019/mr-19-27.html

13.01.2022 First BOQ now NAB...

12.01.2022 Very pertinent...

12.01.2022 Hopefully some common sense prevails....

12.01.2022 It's going to be an interesting week: - Melbourne Cup - RBA meeting and tipped to reduce rates further - USA election... Yes the market is going to be affected, no there is no confidence in which way it will go...BUT.... The sun will come up in the morning, and the market will react accordingly. Let's not speculate, relax, stay true to the course and lets get back to normal......well COVID normal.

11.01.2022 RBA leave cash rate unchanged. Australia 8-442 & 5/74 in reply to England 227..... I wonder what people are more interested in?

11.01.2022 Something a bit different that I really need everyone's support on.... And if you have any friends, relatives, contacts in our beautiful Alpine regions share it there too!

10.01.2022 This weeks edition of Coffee Talk by Alex Lagerwey starts to discuss Insurance Inside Super. https://youtu.be/iGv5ZNNcozA Please follow our youtube page for more updates.

10.01.2022 This week we are going to do our first ‘Coffee Talk’. Coffee Talk Is a recorded short discussion or interview discussing topics related to Financial Services, the Market or public topics. These discussions will be hosted by:... Adam Renouf, Director - Renouf & Partners, Cumulus Financial Group Alex Lagerwey, Director - Array Financial Services, Cumulus Financial Group Stephen Maynes, Director - Mayneline Financial, Cumulus Financial Group. Whilst they will be general advice in nature, we hope that you will find them interesting and follow each week. If you have a topic you would like covered please email me directly. This week we will speak to Damon Gosen, Director - Business Development from Van Eck This weeks topic ETF’s over coffee

08.01.2022 Rates on hold from the RBA and people having babies.....25 Million tonight.

06.01.2022 We are very excited here to be sharing our new website with everyone very soon. This is requiring some web and email configuration changes so at the moment we have no email sorry! If you need to contact us urgently please message our page or if you could hold your emails for now that would be awesome! Thank you!

06.01.2022 To our wonderful Friends, Family and Clients. Merry Christmas, have a laugh on us.

05.01.2022 Less than a week to go.

05.01.2022 Morning All, Health Insurance is a grudge purchase for most of us, so we are always looking for a better and or more affordable option. Up until yesterday we haven't been able to discuss health insurance with our clients.... Well now we can! This is brand new for us and the people we have spoken to are keen to see if they can get as good or better cover and save a few bucks. So, if you would like some more information, please let me know so we can forward some information to you. Doesn't cost anything for them to quote and compare. Good time of the year to save some $. have a great day.

05.01.2022 An interesting way of correlating Baseball with Financial Planning Adam. (For the full article click the link, the article will be at the bottom of the page:) WHY HITTING A HOME RUN ISN'T ALWAYS YOUR BEST BET I may have mentioned to you that one of my biggest passions, aside from my family and providing financial advice to my clients, is baseball. https://renoufpartners.com.au/about

05.01.2022 That went quick.....

04.01.2022 As predicted RBA dropped rates today to .1% amongst other QE measures. Take advantage of the times and reduce bad debt where possible, stick to your plan. Be strategic - don’t speculate...

04.01.2022 RBA has officially reduced cash rate again today. Cash rate 1%.

03.01.2022 RBA has cut rates.

03.01.2022 OFFICE FOR LEASE BREAKWATER Available now 4.0m x 4.5m office with lots of natural light for lease. Inclusive of all utilities, high speed internet. Great brea...kout room to have your lunch or meet your clients. Meeting rooms, training room and boardroom available. 20 onsite parking spaces available for you and your clients. Please email [email protected] for more information. See more

03.01.2022 Happy Easter from Renouf & Partners. Please note our office will be closed from 5.30pm Friday 18/04 and re open 9.00am Tuesday 23/04.

03.01.2022 This weeks coffee talk ESG Investing with Stuart Robinson, Vanguard https://youtu.be/8tNLEMgL3xc

02.01.2022 Coffee Talk Episode 6 Alex Lagerwey - Insurance in Super Part 2.

01.01.2022 Please have a look at Coffee Talk #01 ETF's over Coffee with Damon Gosen, VP Business Development, VanEck.

01.01.2022 The Greatest Country on Earth. A global political joke for the last 10 years. Maybe time for those who had global opinions over that period to look in our backyard before we throw stones?

01.01.2022 2018 Footy Season Footy tips. Open to all our clients, page followers and clients of: Proctor and Renouf - SMSF Specialists... Proctor Accounting Renouf & Partners Financial Planning Free to enter, $500 winner takes all first prize Join in the banter, Phil Proctor will no doubt be crowing (no pun intended) after the Tigers of 2017. Who know's there may be some random prizes throughout the season. Good luck for the season. If you have a friend who would like to join, get them to like our pages and send us a message. GO DOGS!!!!!!!!!!

01.01.2022 Enjoying a good night