Infuse Financial in Broome, Western Australia | Financial planner

Infuse Financial

Locality: Broome, Western Australia

Phone: +61 431 965 526

Address: Broome 6725 Broome, WA, Australia

Website: http://infusefinancial.com.au

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25.01.2022 2017/18 Federal Budget Summary The announcements in this update are proposals unless stated otherwise. These proposals need to successfully pass through Parliament before becoming law and may be subject to change during this process. Budget projected to return to balance in 202021 and remain in surplus over the medium term... Growing consensus that the global economic outlook is improving First-home buyers allowed to save a deposit through voluntary contributions to superannuation No changes to negative gearing or capital gains tax The Medicare Levy will increase by 0.5 % to 2.5 % of taxable income on 1 July 2019 Non-concessional contributions to superannuation funds of up to $300,000 allowed from sale of principal residence Small businesses with a turnover up to $10 million can write off expenditure up to $20,000 for a further year Education funding set at $18.6 billion over 10 years University student fees will increase by 7.5 % by 2021 University graduates will start repaying their loans when they reach an income level of $42,000 a year, down from $55,000 $75 billion in infrastructure funding and financing over the next 10 years A $472 million Regional Growth Fund will be established Doctors will be encouraged to prescribe generic drugs to save the Pharmaceutical Benefits Scheme (PBS) $1.8 billion over five years $350 million to help returned soldiers A one-off energy bill payment for pensioners worth $75 for singles and $125 for couples $321 million over four years for the Australian Federal Police An annual foreign worker Levy of $1,200 or $1,800 will apply per worker per year on temporary work visas and a $3,000 or $5,000 one-off Levy for those on a permanent skilled visa If you think you may be impacted by some of the Budgets proposed changes, you should consider seeking professional advice. A financial adviser can give you a clear understanding of where you stand and how you can manage your cash flow, super and investments in light of proposed changes. If any of these proposals raise questions, concerns or potential opportunities for you, please speak with your financial adviser today, or contact us for an obligation-free discussion today. Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

24.01.2022 Federal Budget 2018/19 Winners: Taxpayers no increase to the Medicare levy and the 37% tax bracket to be scrapped by 2024... Low-income earners and middle-income earners tax offset up to $530 Window of opportunity for recent retirees to make additional super contributions Increase SMSF membership from four to six Parents of young children no limit on Child Care subsidy limit for those with a combined income of up to $187,000 Superannuation members no more exit fees, lost and inactive super funds to be reunited by the ATO Small business the $20K instant asset write-off extended for 12 months to 30 June 2019 Older Australians the Pension Work Bonus scheme will be extended to increase the maximum permissible earnings and include the self-employed; 14,000 more home care places for the aged, the expansion of Pension Loans Scheme and new social security means-testing of pooled lifetime income streams Losers: Tax cheats and the black economy crackdown on money laundering and tax evasion and no cash payments of $10,000 or more Welfare cheats crackdown on fraud, debt recovery and clawback of erroneous payments Multi-national tax avoiders clamping down on the treatment of stapled securities and thin capitalisation rules Illegal tobacco profiteers taskforce established to stamp them out Vacant landowners no tax deductions from 1 July 2019 Higher education providers will have to cover the cost of administering HECS-HELP and FEE-HELP Migrants waiting period for certain welfare benefits extended to 4 years Most changes must be legislated and passed through Parliament before they apply. Final legislation may differ from the original announcement. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and or consider a Product Disclosure Statement.

23.01.2022 Financial professionals bring confidence in retirement. 77% of surveyed Australians yet to retire (who have not enlisted the help of financial professionals) do not feel confident or prepared for retirement. Source: 1,647 of respondents by IPSOS for the Australia Today report ... Retirement is then, this is now This lack of preparation is a symptom of a living for today mindset. More and more Australians are living from pay-cheque to pay-cheque to support an increasingly luxurious lifestyle which includes travel, dining, entertainment, fashion, technology etc. Sadly, financial planning and retirement saving is forgone as a luxurious lifestyle is viewed as part of a normal standard of living. Silver-lining Australians who have sought professional financial help are more than twice as likely to feel very or fairly well prepared for retirement than those without seeking help from a financial professional. These findings highlight the importance of early preparation for retirement and show the value financial advice can bring by creating awareness, establishing achievable goals and improving financial outcomes. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and or consider a Product Disclosure Statement.

21.01.2022 Infuse Financial offers wealth management and wealth protection strategies to Australians from Broome to Bunbury (and all the places in-between). Tom and Chelsea understand your time is precious and being busy people you value and prioritise your time and energy. Delegate the management of your finances to us - so you can get on with living your best life!

21.01.2022 Money & Me We all have very different views on money and our relationship, as such, with money is managed according to these views. So where do we form these opinions? Most of us first received money guidance from our parents and learnt to spend or save with our pocket money. Most of us would then progress to school banking by opening our first deposit account by becoming a dollarmite.... Whatever it was for you and whether you acknowledge it or not your past experiences and influences will mostly dictate how you run your relationship with money today. It is a good idea to seek advice and educate yourself from a variety of sources, remembering that some information should be taken with a grain of salt as we all have very different personal and financial circumstances. Parents and grandparents are a good place to start as they have generally walked in your shoes and may be able to impart some things that worked for them. Bear in mind though that time does change and what worked for them may not work for you. Friends and peers will mostly be in the same boat as you or a similar life stage so can be a good place for sharing information, remember though that they may not be experts but can help share some ideas about what has worked for them. No 2 peoples situation is the same. Online finance websites and blogs can offer impartial and general advice. The World Wide Web is a wonderful place to source information as it is fast, free and abundant but it is up to you to cross-check your sources and siphon through what may be relevant to you. Always be wary of sites that are biased towards certain products and check whether the author is authorised to provide financial information. Financial Advisors, broadly speaking, are experts that are qualified and authorised to provide you with specific advice by taking into account your personal circumstances. These professionals are required to act in your best interest by putting your needs ahead of their own and most Advisers will offer the first meeting free of charge so you get the opportunity to ask questions whilst they get to know you too. A professional can help you navigate the global financial marketplace and keep you on track when meeting your financial and lifestyle goals. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and or consider a Product Disclosure Statement.

21.01.2022 Healthy Financial Habits

19.01.2022 Infuse Financial is very proud to play a part in helping people on their journey to financial well-being. Our new website is now live and ready for your viewing at www.infusefinancial.com.au

18.01.2022 Research puts dollar value on advice

17.01.2022 Retirement Planning - a marathon not a sprint From wills to long-term budgeting, theres a lot to think about when making your retirement to-do list. Heres some tips to make sure youve ticked all the boxes. Check your will ...Continue reading

16.01.2022 Small Gains + Large Risks = Terrible Results http://tonyisola.com//small-gains-large-risks-terrible-re/

15.01.2022 #containthespread#beresponsible#dontpanic There is a lot of information out there and this is changing and being digested at a rapid rate which in turn is creating and aggravating global markets. In responding to the COVID-19 outbreak please make your first priority the safety and wellbeing of your family and broader community. ... Please adhere to the advice coming from our governments and the World Health Organization so we all do our bit to contain the spread by making responsible choices at an individual level. This will help protect those most at risk and go a long way in ensuring our essential service providers can continue to help preserve life. In the meantime we need to brace for a bumpy economic ride, maintain our medium term focus and contribute to getting this health pandemic under control and from there our global economy can move into recovery phase. This too will pass.

14.01.2022 Mr & Mrs Australia - how we spend and what we have. According to the 2013/14 Australian Bureau of Statistics, this is our life in numbers: Weekly expenses of an average family:... Housing - $325 Fuel/power - $43 Food/drink - $279 Clothes/Shoes - $64 Transport - $254 Recreation - $208 Alcohol - $31 Health - $77 Average Australian household has a net worth of $809,000 Average superannuation per household is $159,900 Average life expectancy is 82 years Average family has 2 children And scarily ... Australians lost $229,000,000 on scams in 2015!!! Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note any information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

14.01.2022 Get your financial house in order before the new financial year make 2016/17 your best financially fit year yet! Your mortgage, insurance, superannuation, budget and estate plan should be periodically reviewed to make sure you are planning for and protecting yourself and your familys financial future. Mortgage refinancing or increasing your payments and or frequency of payments can accelerate debt reduction, helping you own your home sooner.... Insurance holding the right cover at the right price will go a long way to reducing the financial impact on you and your loved ones if you are unable to work due to illness or injury, if you protect your car and home you should also see the value in protecting yourself, lifestyle and family. Superannuation after our homes super is the single, biggest asset most of us will rely on to support us during retirement. Spending time learning about superannuation and taking a few steps now to boost your super will make a huge difference to your lifestyle in the future. Budget - to start on the path to building wealth, you need to start saving money. The best way to do this is to set a realistic and manageable budget and stick to it! Estate plan - a properly drafted and executed Will can simplify the administration of your estate and having appropriate Powers of Attorney in place can provide peace of mind that your affairs can be managed in the event you are unable to do so. Addressing these issues can help avoid any potential family disputes. With the EOFY fast approaching now is a good time to plan for a wealthy and wise 2016/2017! Infuse Financial is able to help you with all aspects of personal wealth generation and protection, please feel free to get in touch. Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

14.01.2022 My little study buddy - helping me calm down and fit in some last minute cramming before sitting part of my Masters exam this morning.

14.01.2022 Underinsurance: effects on families and children. Parents please have a read Source: Studies from ANZ Wealth in partnership with Ipsos, Impact of death of a parent on surviving partner and children in 2015 and OnePaths, Picking up the Pieces, Understanding the impact of parental death on children of 2010.... In 2014, there were 11,237 deaths of married people of working age (15 to 64 years). This equates to more than 31 families per day losing a family member and around 15 families per day leaving behind dependent children. For these families, the impact is not only the emotional trauma that is involved in the loss of a family member, but the potentially significant financial drain that this loss could represent. Studies have showed further, that of the children in families under financial strain: 49% took on more responsibilities caring for siblings 35% took on more financial responsibilities 41% stated a worsening in academic performance 15% had to move schools due to financial pressures 29% experienced anxiety/depression or abused drugs/alcohol 48% reduced their involvement in sport. Disturbingly, many Australians either do not consider their insurance needs or are under the impression that they have enough default cover in their superannuation. Infuse Financial is able to help you with a professional assessment of your life, trauma and disability insurance needs to ensure you pay for adequate cover at the appropriate price. Always plan no matter how improbable it seems. The bill for hindsight is much more expensive than the receipt for foresight. - Johnnie Dent Jr. Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

14.01.2022 Thank you to TJ at Spirit radio for the interview - it did turn out okay and I just had 2 friends stop and tell me they heard the segment and congratulated us on a job well done so I thought I would share happy listening :)

13.01.2022 Like most of you I am busy 'doing life' as best as I can - but if I am totally honest - I am shocked at how quickly time is whizzing by and life seems to speed up and not slow down! In this vein I have had a reality check and set my own personal goals for the next 12 months and I now feel a little more in control and have a little more focus. So if you, like me, have been time poor of late and not had the chance to get on top of your personal and financial goals try take some time out over the next few days and set a plan so you too can kick those goals in 2019 and live your best life!

13.01.2022 I do like this sensible theory/quote: 'The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.' - T Munger

13.01.2022 I love what I do ... because it is about so much more than money! https://vimeo.com/273650772

10.01.2022 First-home buyers get some help State and federal governments are creating new incentives to help first-home buyers get into the overheated housing market. Buying your own home is the largest purchase decision most people will make in their lives. However, a long run of low interest rates has fuelled spectacular dwelling price growth, record housing debt and phenomenal asset values, particularly in Sydney and Melbourne. According to the Reserve Bank of Australia, housing pr...ices nationally have increased 7.25 per cent a year, on average, over the past 30 years. Financial analysis and advisory firm CoreLogic adds that housing affordability has worsened over the past 15 years by every measure. It now takes 1.5 years of household income to save for a 20 per cent deposit on a dwelling compared with 0.8 years 15 years ago, the firms Perceptions of Housing Affordability Report 2017 shows. Government assistance There are incentives prospective first-home buyers can use to make their dream of owning their own home come true. This years Federal Budget, for example, proposes allowing individuals to make voluntary contributions to their superannuation accounts to save for a house deposit. It is proposed that super contributions and earnings be taxed at 15 per cent, rather than higher marginal rates. Withdrawals would be taxed at their marginal rate, less 30 percentage points. Contributions would be limited to $30,000 per person in total and $15,000 per year and both members of a couple could take advantage of the scheme. Additional non-concessional contributions could also be made but would not benefit from the tax concessions apart from the earnings being taxed at 15 per cent. Most states also have first-home buyer grants, each with different criteria. Some state governments are also making it harder for foreign investors by increasing duties and land taxes and introducing other measures to reduce competition for first-home buyers. Seek advice There are many investment options that can help you build a deposit, each of which has different risk and return factors, but you dont have to make financial decisions by yourself. Talk to a Financial Services Partners Adviser to develop a plan thats tailored to you. Your adviser can help you: understand your current situation identify your financial and savings (home deposit) goals determine your current income needs prepare a budget start a home savings plan protect your income and assets through personal insurance. Sources: https://www.rba.gov.au//bulletin/2015/sep/pdf/bu-0915-3.pdf https://www.corelogic.com.au//2017-05-CoreLogicHousingAffo Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

10.01.2022 Financial freedom is available to those who learn about it and work for it. Robert Kiyosaki.

04.01.2022 Why the market reacted the way it did ...

04.01.2022 Getting the right advice from your local lending and financial advice team may help you: Set realistic savings targets Build your best home loan deposit Give you a sense of control over your options... Understand the purchasing process Know what you can comfortably afford Secure a suitable interest rate on your loan Minimise or avoid LMI (lenders mortgage insurance) If you would like to start your journey to home ownership please get in touch with North West Finance or Infuse Financial today and take your first steps to successfully buying your first home. www.infusefinancial.com.au www.nwfinance.com.au * Please note this information (including any taxation advice) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement. Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. NWF - Australian Credit License (ACL): 370698.

03.01.2022 Tip: The 1% 'Rule of Thumb' For every two years a person is out of the workforce, an additional 1% of their salary needs to be put into superannuation for the rest of their working life to keep parity with where savings would have been without the break (Suncorp 2012).

03.01.2022 https://vimeo.com/286270833/b210b9bfca Making super simple just for you!

03.01.2022 Where will your super go when you are gone? #super#go#gone https://vimeo.com/283601375/01c8f63ecd

02.01.2022 YES! - The First Home Super Saver Scheme (FHSSS) is here to help aspiring homeowners, who have never owned property in Australia before use their super as a savings vehicle towards building a deposit for their first home. If you would like to find out more information on how the super saver scheme can assist you then please get in touch to: determine if you are eligible ... discuss your savings strategy highlight any tax benefits For example an eligible individual earning an income of $75,000 p.a. may have $25,400 to put towards their home loan deposit after 2 years of saving under the FHSSS. This is approximately $5,700 more than if savings had occurred in a typical deposit account. The benefits double if you are a couple looking to purchase your first home together thats a deposit of over $50,000 in just 2 years with over $10,000 in combined tax savings! * The above is an example and is for illustrative purposes only. It seeks to explain the effect of the FHSSS in a hypothetical scenario which may not accurately reflect your personal situation. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement. Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. www.infusefinancial.com.au www.nwfinance.com.au

02.01.2022 Start your journey to home ownership today by getting in touch with your local North West Finance broker to find out: - How much you can borrow - What your repayments will be - How much deposit is recommended... Many Australians share the dream of wanting to buy their own home where they can: - Create their own castle - Have a degree of control over their financial future - Build a secure environment to nurture their families Getting the right advice from your friendly, local lending specialist may assist you in working out the most effective way to successfully buying your first home. Please call North West Finance to book your obligation free appointment. Link to North West Finance Website Northwest Finance Australian Credit License (ACL): 370698.

02.01.2022 A word of warning: If it sounds too good to be true, then it probably is! A sad reality facing the Financial Services Industry is that the sins of the few have tainted the good work of the many - with very few good news stories reaching the public. Unfortunately, there will always be rogues operating in almost any industry, however the responsibility is ours alone to get educated and understand how to spot inconsistencies that could be raising red flags. ... The good news is with every media reported rogue adviser or ponzi scheme in operation comes a real opportunity for the public to learn more about how they can engage with the right professional, ask more informed questions and enjoy healthier financial outcomes. Please refer to the below link for some helpful information from ASIC: https://www.moneysmart.gov.au//investment-sc/ponzi-schemes Infuse Financial is a corporate authorised representative of Millennium 3 Financial Services AFSL: 244252. Please note this information (including taxation) is general in nature and does not consider your individual circumstances or needs. Do not act until you seek professional advice and consider a Product Disclosure Statement.

01.01.2022 With changes to superannuation and taxation being at the centre of the Federal Budget released last night now is not the time the time to be stalling on seeking financial advice. Negative or positive, below is a summary of what the budget may mean for you. Federal Budget Summary: The first Budget from the Turnbull government revealed a $39.9 billion deficit for 2015/16 moving to a $37.1 billion deficit for 2016/17 and forecasting a drop to $6 billion by 2019/20....Continue reading

01.01.2022 Last night the Treasurer, Josh Frydenberg delivered the Federal Budget for 2019. Heres our summary of the announcements and what it could mean for you. #Budget2019 #super #tax #savings... https://millennium3.com.au/budget/2019