Edition No. 1 | 24 July 2013

The TWM newsletter is launched!!

Welcome to the very first Total Wealth Newsletter. As your advice team we hope you find this service both informative and of relevance to you.

We have also recently updated our new look web site www.totalwealth.com.au so please pay us a visit online and let us know what you think by using the feedback tab.

It is our goal to provide you with one edition each month as well as a specific service that alerts you to any changes in financial matters that may directly affect you or your portfolio i.e:-

Interest rates
Government changes
Opportunities

Financial markets
Centrelink changes
Unique offerings

We look forward to catching up with you and don’t forget we are here to help, why not drop in for one of our famous coffees.

Regards,
The TWM Team.

Super or the mortgage?

Most of us wait until the mortgage is paid off before making larger “catch-up” contributions to superannuation but the recent halving of the annual concessional cap makes this harder to do.

Money talks - over 50s

Talking to your loved ones about money can be one of the hardest conversations of all, as well as the most important. Here are some tips for those difficult financial conversations.

In this edition

	Super or the mortgage?
	Money talks - over 50s

Whats new

The Babbling Trillbillys Presents Better Late Than Never

Find yourself on the wrong side of 60, trying to make sense of it all? The last day for this comedy held at the Ipswich Civic Centre is this Friday 02/08/13, may be for you. Only $10 a ticket. For more information click here

Ipswich Home Gardener's Expo 2013

Will run from 8.30am - 3.00pm with entertainment, food and refreshments all day including special guest speaker Clair Levander (4BC Gardening Host). Admission is $3.00 per person with children under 12 years FREE!

Date: 24 August
Venue: Glebe Road & Green Street Booval

Visit the website here...

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.