Edition No. 5 | 02 December 2013

Welcome to our monthly newsletter

Can you believe how close Christmas is? With such a busy year behind us, we are certainly looking forward to the holiday break. The markets have been continuing on their 'bull' run and this looks set to continue into the new year. All eye's will be on the US Federal Reserve and whether or not they cut back on the money printing program they have undertaken over the last 5 years.

We are pleased to see some pockets in our property market have started to improve over recent times and it is starting to look like there may be another interest rate drop early in the new year. Always a good thing to help with the high costs of our water and power these days.

Our office hours over the Christmas will be as follows:- closed from 21/12/2013 to re open 06/01/2014 - thereafter, Monday to Friday 9.00am to 4.00pm.

From everyone in the office we wish you a Merry Christmas and a Happy New Year.

You Talk - How to sell property to make super contribution after retirement

Jeremy asks: My wife and I are 60 years old, employed full-time and have a jointly owned investment property we’d like to sell. We plan to retire at the end of this financial year. Should we contribute the sale proceeds into superannuation and should we do this before or after we retire?

Retiree - Who gets your super?

What happens to your super or your super pension if something happens to you? Unless you make a binding nomination, your super fund trustee may be able to override your wishes and your loved ones may miss out.

In this edition

	You Talk - How to sell property to make super contribution after retirement
	Retiree - Who gets your super?

Whats new

Mayor Paul Pisasale's Carols by Candlelight

Muster the Aussie spirit with an outback Christmas in Ipswich as Steggles presents Mayor Paul Pisasale’s Carols by Candlelight at North Ipswich Reserve on Saturday 7 December.

This wonderful event is suitable for all ages and provides a fantastic program of family entertainment including free kids’ rides, the Curley Cousins Show, Ipswich Orpheus Chorale Choir, Santa’s arrival, Christmas message by Mayor Paul Pisasale and special guests, Troy Cassar-Daley and Kate Cook, all topped off with a fireworks finale spectacular.

Discover more: www.ipswich.qld.gov.au

Ipswich Antique Centre

Have you discovered the IPSWICH ANTIQUE CENTRE? The Centre offers a wide range of antiques and collectibles including Australian, Country and English furniture, beds, Australian pottery, jewellery, vintage clothes, movie memorabilia plus a specialised Retro Room.

The Centre is located in the heart of Ipswich Central in the beautifully restored Congregational Church Sunday School building built in 1895. You can also grab coffee and cake in their onsite cafe.

Discover more: www.ipswichantiquecentre.com.au

Afternoon Tea at Shingle Inn City Hall

Enjoy a traditional Afternoon Tea experience in Brisbane’s oldest and most-loved café. Feast on a wonderful selection of ribbon sandwiches together with a delicious assortment of petite sweet treats and hand-made scones with clotted cream and preserve.

A selection of 15 loose leaf teas and Shingle Inn’s unique coffee blend ensures there is something to accompany Afternoon Tea to suit everyone’s taste. For a truly unique experience enjoy a pot of Shingle Inn’s milk coffee, the original coffee-of-choice at Shingle Inn before espresso became popular.

As a licensed restaurant with an extensive wine list, Shingle Inn City Hall is also able to offer a choice of Afternoon Tea accompaniments from sparkling wine to Vintage Pol Roger Champagne.

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.