Edition No. 2 | 30 August 2013

TWM News (Sept 2013)

We welcome you to the latest edition of the TWM newsletter. We hope you enjoyed reading the first edition and we thank you for the comments we have received to date. We would love to hear your feedback on our newsletter so keep the comments coming!

We have had a busy start to the new financial year with the implemntation of the Federal Government's Future of Financial Advice (FOFA) legislation and also a new software system which we believe will better provide our services to you.

We hope you are all well and enjoying the warmer weather that has been bestowed upon us!!

Regards

The TWM team

What’s the outlook for Australia’s housing market?

In the MLC Investment Insight - What’s the outlook for Australia’s housing market? Michael Karagianis, Senior Investment Strategist, MLC Investment Management discusses the outlook for Australia’s housing market.

Read the full report - What’s the outlook for Australia’s housing market?

How to make your insurance more affordable

Did you know you can save money by buying your insurance in super? This is because super can offer both cash-flow benefits and tax concessions.

Top Social Security Strategies you didn't know about

Maximising social security benefits, such as the age pension, has been a major goal for many Australians once they reach retirement. Jennifer Brookhouse* outlines some strategies that can be used to reduce your assessable income and/or assets and increase your Centrelink benefits.

In this edition

	What’s the outlook for Australia’s housing market?
	How to make your insurance more affordable
	Top Social Security Strategies you didn't know about

Whats new

Treasures in the Attic

Are you sitting on hidden treasures? Find out when the antique valuation event Treasures from the Attic returns to the Ipswich Art Gallery this September!

Date: 21 September 10am - 1pm

Venue: Ipswich Art Gallery (between Limestone & Brisbane Streets) Ipswich CBD QLD 4305

Telephone: 07 3810 7222 www.ipswichartgallery.qld.gov.au

Ipswich Musical Theatre presents Sound of Music

Date: 21, 22, 24 September

Venue: Ipswich Civic Centre

www.ipswichciviccentre.com.au

Brisbane Festival 7-28 September 2013

http://www.brisbanefestival.com.au

Phone
07 3281 1226
Fax
07 3282 9900
Email
Email Us
Website
Total Wealth Management
Address
Suite 2, Level 5,
Ipswich Corporate Centre
14-16 East Street,
Ipswich QLD 4305

PO Box 48,
Ipswich QLD 4305

Total Wealth Management Pty. Ltd. ABN 14 079 194 808 trading as Total Wealth Management is an Authorised Representative of GWM Adviser Services Limited ABN 96 002 071 749, trading as Garvan Financial Planning an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.