Knowledge Centre

Level up your financial skills

Debt Management Strategies

Improve your ability to reduce debt and build a better future. Here we have gathered some additional information to help you understand the financial planning concepts reviewed in the statement of advice on debt management.

Debt Management
Redraw facility
Debt recycling
Costs and risks of reverse mortgages

Retirement Income Strategies

At Acton Wealth, we want to empower you with the skills and tools required to save for the future. Here we have gathered additional information to help you understand the concepts discussed in the statement of advice about retirement income.

Account Based Pensions
Transition to Retirement Pensions
Term Allocated Pension
Annuities
Transfer balance cap
Pooled lifetime income streams

Social Security Strategies

These documents cover a range of fundamental concepts to help you understand our statement of advice in relation to social security. Knowing the benefits you can count on according to your particular situation is important as some changes in your status can be unpredictable and others must be planned ahead for in a strategic way.

Age Pension
Aged Care
Disability Support Pension (DSP)
DVA Service Pension
Gifting
Insurance bond in a private trust
JobSeeker payment
Pensions Income and Assets Tests - Centrelink
Strategies to increase Centrelink or DVA entitlements
Waiting periods

Risk Protection Strategies

Being protected and secure is fundamental to us all. Here you will find additional information to help you understand the financial planning concepts in our tailored insurance advice.

Income Risk Protection
Term Life Risk Protection
Total and Permanent Disablement - TPD - Risk Protection
Trauma or Critical Illness Risk Protection

Superannuation Strategies

Together we can develop an adaptable superannuation strategy that suits you best. To help you understand the financial planning concepts involved, please find below a set of documents discussed in the statement of advice about wealth accumulation (superannuation).

Cash out and re-contribute to super
Co-contribution
Consolidate superannuation
Downsizer Super Contribution
Early release of super (COVID-19)
First home super saver scheme
Non-concessional contributions
Personal deductible contributions
Salary sacrifice
Splitting superannuation contributions
Spouse contributions
Superannuation

Estate Planning

We help you to anticipate and arrange the management and disbursement of your estate in the unfortunate event of incapacity or death. These documents provide further particulars to help you understand the financial planning concepts presented in the statement of advice about estate planning.

Advance Care Directive
Family Trusts
Powers of Attorney
Special Disability Trust
Superannuation death benefits
Testamentary Trusts
Wills

Investment Concepts

In this section of our Financial Knowledge Centre, we present some of the essential investment concepts so you can understand the benefits of the financial strategies that we recommend.

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
Managed Discretionary Accounts (MDA)
Separately Managed Account (SMA)
Set and maintain a budget

Tax

These documents provide some additional information and guidance to help you improve your tax literacy and understanding of your obligations.

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

Business Insurance Strategies

We help you correctly insure your most important business assets. This collection of documents provides further guidance to help you understand and be confident in the financial planning concepts discussed in the business insurance statement of advice.

Business Continuation Insurance
Business Expenses Insurance
Business Succession Agreement and Funding

Gearing

Gearing can come with inherent cost and risk. For gearing to be effective, the overall return from investments should exceed the cost of the loan and other expenses over the life of the investment. These documents provide further counsel to help you understand the financial planning concepts analysed in the statement of advice about gearing.

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

Self Managed Super

With Self-Managed Super Funds (SMSFs), you're in charge, with us by your side. In this section, we give you added information to help you understand the financial planning concepts discussed in the statement of advice.

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