Client Resources

At Focal Financial we provide a wide range of information for you to download and review. The Understanding Series covers all facts of life stages including Superannuation, Estate Planning, Retirement Income and Business Insurance.

The Smart Strategies Series provides insights into Strategies for Using Debt, protecting you and your family and maximising Retirement income to name a few.

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Understanding Series

Business Insurance

Understanding Business Insurance
Business Continuation Insurance
Business Expenses Insurance
Business Succession Agreement and Funding


Understanding tax
Small business CGT concessions
Redundancy payments
Salary packaging
Tax considerations for non-residents

Debt Management

Understanding debt management
Costs and risks of reverse mortgages
Debt management
Debt recycling
Redraw facility

Estate Planning

Understanding estate planning
Advance Care Directive
Family Trusts
Powers of Attorney
Special Disability Trust
Superannuation death benefits
Testamentary Trusts


Understanding gearing
Costs and risks of gearing
Costs and risks of gearing into superannuation
Costs and risks of margin lending

Investment Concepts

Understanding investment concepts
Asset Allocation
Child savings plans
Costs and risks of derivatives
Costs and risks of direct property
Dollar cost averaging
Insurance investment bonds
Investment risks
Managed funds
Separately Managed Account (SMA)
Set and maintain a budget


Understanding insurance
Income Protection Insurance
Term Life Insurance
Total and Permanent Disablement – TPD – Insurance
Trauma or Critical Illness Insurance

Retirement Income

Understanding retirement income
Understanding the $1.6 million transfer balance cap
Account-based Pensions
Transfer Balance Cap
Transition to Retirement Pension

Self-Managed Super

Understanding SMSF
Commencing an SMSF pension
Costs and risks of borrowing by self managed superannuation funds (SMSF)
Key SMSF investment rules
Limited Recourse Loan
Self managed superannuation funds
The SMSF Investment Strategy

Social Security

Understanding social security
Age Pension
Aged Care
Disability Support Pension (DSP)
DVA Service Pension
Insurance bond in a private trust
Newstart Allowance
Pension Income and Assets Tests – Deparatment of Human Service
Strategies to increase Department of Human Services or DVA entitlements
Waiting periods


Understanding superannuation
Cash out and re-contribute to super
Consolidate superannuation
Downsizer superannuation contribution
First home super saver scheme
Non-concessional contributions
Personal deductible contributions
Salary sacrifice
Splitting superannuation contributions
Spouse contributions

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