FINANCIAL PLANNING – INVESTMENT ADVICE

FINANCIAL PLANNING – INVESTMENT ADVICE
Financial projectning is whole environing using sound cannonade strategies to close your short-promise and long-promise ends. Externally a project, you can’t controlforever insecure you earn secure to where you shortness to go. Seeing a financial projectner can rarely acceleration in secureting the straight order you need!
Scenario
You are a financial projectner established control Clforever Choice Financial Consultants. Three clients keep habited you control some order on how to project control their coming:
• Robin Banks – is a unrepealed 55-year long-standing grandmother, whose mate of-late passed abroad, leaving her with funds of $110 000. She runningly haves her have 3 bedroom dregs in Springwood (rate the median figure), and has specie cautionss of $20 000. She toils bountiful span as a Retail Sales Manager and admits the median hire. Her running accumulated superannuation poise is $200 000. Robin earn shrink at the antiquity of 60.
• Specie Currency – a 30-year long-standing of-late alienated courageous and is runningly occupied as an Secondant Totalityant at a Medium sized Totalitying Firm in Cairns earning the median hire.
His running accumulated superannuation poise is $94 000. Specie is runningly solutioning a 3 bedroom dregs on the Atherton Table Lands in North Queensland, and has specie effects behind a alienate dregs totalling $370 000. He is knhave to his friends as the ‘miss transferr’.
• Honestin Score – a 22 year long-standing university tyro who has honest begind his fourth year of a embrace measure, Bachelor of Calling / Bachelor of Commerce at Griffith University, Nathan Campus, runningly with a HECS score. He earn transfer congenial misss and is a very ambitious individual, achieving very elevated distinctions control his studies to age. On height of his measecure Honestin earn be seeking toil as a Controlensic Totalityant and earn toil control a hire.
Currently he has part-span toil at Nandos as a specieier and he is receiving the apex failureiquity where he toils 20 hours a week. He accepted $47 000 from his of-late deserted grandfather’s rank. The solely other effects haveed by Honestin are a car rate $6 000 and specie cautionss of $8 000.
During their primal consultation with you, you compiled a register of their short- and long-promise ends:
Justin Score Specie Currency Robin Banks
Short-promise ends Long-promise ends Short-promise ends Long-promise ends Short-promise ends Long-promise ends
Complete university externally a HECS score
Secure bountiful-span possession behind graduation
Purchase a dregs in Tanah Merah QLD
($350 000 – $600 000) Secure a promotion
AND
Re-establish firm foundation arrangements (doesn’t shortness to solution) Purchase a 3 bedroom dregs closer to toil Shrink in 5 years and subsist a unintoxicated lifestyle (She shortnesss $35,000 per year) On shrinkment shortnesss to donation a upstart Toyota Corolla RZ, CVT automatic.
Build up cautionss control coming leisure
($20 000)
Secure a promotion
Wants to donation a Dual Cab Hilux 4WD 2008 -2014 pattern (upstart or correctiond)
Wants to purchase a Honda Jetski/Seadoo Donation a upstart Toshiba Laptop (4G) and is delighted to waste up to $2 500. Travel:
Scenic Europe River Cruise control brace weeks
Travel to Japan control 2 week leisure
Build up cautionss (approx $30 000)
AND
Keep sufficient Superannuation control shrinkment (He shortnesss
$65 000 per year). Travel to Upstart Zealand this year control a individual (1) month leisure.
Build up cautionss of
(approx.
$20 000)
AND
Keep sufficient superannuation to control shrinkment (He shortnesss $55,000 per year) Build up cautionss of
(approx.
$20 000)
Pass on cautionss to her progeny (2 children – referable trusting)
You are requested to intelligible a financial diplomacy that earn second ONE of the three clients endue their funds so they can close their certain ends.
You are required to:
• fit a reverberation that outlines your financial strategies
• fit a PowerPoint bestowal that outlines your financial strategies
• fit a script control your bestowal and
• confer-upon your recommendations to your client (ie. the arrange) in a 5 – 7 searching traditional bestowal.
The financial projectning aspects that should be prepared in your bestowal include:
? financial ends control each client;
? Budsecure ideas that earn be correctiond control each client’s portfolio (budgeting and wasteing, end enhancement, cautions, score/loan, banking products, miss management/income protection/insurance/assurance)
? the compound of cannonades (specie and specie equivalents – cautionss totality, synod bonds, promise safeguard, real-estate, shares, and superannuation)
? whether the cannonades are elevated or reduced miss;
? the aggregate of currency wholeocated to each image of cannonade; (70% foundation, 20% cautions and 10% fun). You can prop this with graphs as-well if you love.
? a illustrative exhibit of the funds wholeocation –
? reasons why the currency has been wholeocated in the recommended ratios;
? a paltry believe of the feasible contemplated avail on funds each client may admit from each financial diplomacy; and
? a illustrative exhibit of contemplated avail.
Bestowal Savey
An innovative and animated habit should be adopted in your bestowal, using at last three (3) diffesolution images of visual aids to prop your bestowal (Charts, videos, YouTube clips, games anticipation – produce secure you correction Australian resources). Ensecure you are aware of the habit you save your bestowal, concentrating on your opinion convexity, gait and buffet copy and substantiality conversation, and belief.
Note: The arrange earn impress as your clients. You earn consequently be required to oration them during the bestowal.
Submission Requirements
Drain Due Friday 23 May 2015 by 1.00pm – you are required to acquiesce to your teacher:
• a printout of your ppt bestowal (brace slides per page, footer comprised with your designate)
• your bestowal script
• a signal processed reverberation proping your bestowal, including a intimation register;
• drain reverberation to be acquiesceted through Turnitin
Final Due Friday 27 May 2015 by 2.00pm – you are required to acquiesce to your teacher:
• a printout of your ppt bestowal (brace slides per page, footer comprised with your designate)
• your bestowal script
• a signal processed reverberation proping your bestowal, including a intimation register;
• copies of any added visual aids correctiond
• reverberation to be acquiesceted through Turnitin
Presentations begin in the week commencement 7 may 2015.
Bereduced are some links to second your discovery.
• http://www.payscale.com/research/AU/Country=Australia/Salary
• https://qsuper.qld.gov.au/calculators-and-forms/calculators/savings/budget-planner/
• http://www.strategies4u.com.au
• https://www.moneysmart.gov.au
• http://www.superguru.com.au/retiring/how-much-super-will-I-need
• https://www.moneysmart.gov.au/tools-and-resources/calculators-and-tools/superannuation-calculator
• https://www.amp.com.au/super/supersimulator/#!/
• http://qsuper.qld.gov.au/
• http://www.asx.com.au/education/sharemarket-games.htm
• http://www.asx.com.au/asx/markets/equityPrices.do
• https://www.moneysmart.gov.au/investing/shares
• http://www.library.qut.edu.au/services/community/schools/
• https://www.taxsuperandyou.gov.au
• http://www.business.gov.au/business-topics/tax-finance-insurance/insurance/Pages/default.aspx
• http://australia.gov.au
• https://www.amp.com.au/calculators/riskinsurance/default.htm?Gap#top
• http://www.infochoice.com.au/banking/savings-account/term-deposit-interest-rates.aspx
• https://www.qut.edu.au/study/fees-and-scholarships
• https://www.qut.edu.au/study/fees-and-scholarships/undergraduate-fees-and-financial-support
• http://www.afrsmartinvestor.com.au/p/howto/investing/how_to_get_the_best_asset_allocation_1x3Tlf4YirgV2UEJCWk5xN
• http://www.nab.com.au/personal/loans/home-loans/loan-calculators/loan-repayments-calculator
• https://www.moneysmart.gov.au/investing/investments-paying-interest/bonds/australian-government-bonds
• http://www.sunsuper.com.au/assetfiles/rismodeller/modeller.html
• http://www.asx.com.au
• http://www.asx.com.au/education/shares-education.htm
• http://www.asx.com.au/prices/smsf-calculators.htm
• https://www.moneysmart.gov.au/insurance
• http://studyassist.gov.au/sites/StudyAssist/
• http://www.suncorpbank.com.au/investing/calculators

Criteria Sheet
Rendering and Evaluation The tyro toil has the
following characteristics:
• thoroughgoinggoing and effectual anatomy and rendering of misspend totalitying basis and knowledge
• intelligiblement of close and convincing arguments to thoroughgoingly honestify strong conclusions, decisions, judgments and recommendations
• effectual despatch of totalitying knowledge using misspend modes control a miscellany of purposes.
The tyro toil has the
following characteristics:
• inferential anatomy and rendering of misspend totalitying basis and knowledge
• intelligiblement of reasoned and cohesolution arguments to honestify strong conclusions, decisions, judgments and recommendations
• gelatinous despatch of totalitying knowledge using misspend modes control a miscellany of purposes. The tyro toil has the
following characteristics:
• anatomy of totalitying basis or knowledge
• intelligiblement of reasoned arguments to honestify conclusions, decisions, judgments and recommendations
• intelligible despatch of totalitying knowledge using misspend modes control a miscellany of purposes. The tyro toil has the
following characteristics:
• basic exposition of totalitying basis or knowledge
• bestowal of unblended arguments to produce open conclusions or liberal recommendations
• despatch of totalitying knowledge frequently lacks clarity. The tyro toil has the
following characteristics:
• intimation to totalitying basis
• announcement of conclusions or recommendations
• bestowal of knowledge using poor modes