Integrity Insurance & Investment Services
General Insurance in Moonee Valley

People old to stress about staying employed or self employed and earning enough money to keep their family in a pleasing home and suitably clothed and fed, with sufficient left over for steady entertainment and a great holiday away, at least once a year. The pension, through government or employment, would be sufficient when it arrived. These days, though, the stress behind the ravaging recession and raging inflation is whether your stylish pension arrangements will yield you with ample money to eat, let alone live, to the standards you require. Employers are always looking at ways to decrease expenses and government departments are perpetual on a cost cutting exercise, so your pension and contributions towards it are always, potentially, under attack. Financial planners are intolerant to meet with anyone worried or stressed about their pension, because the older you are capable to consider all the factors involved and perhaps change some of your pension arrangements, the sooner you will be able to change your investments to try to get your retirement planning back on track. Where you were one of the lucky people that occupied was known as, a job for life, you wouldn’t have to worry about your pension planning at all, because it was all taken protection of for you. Some people who thought they had a job for life are now facing unemployment or changing their employment and have the need to revisit their retirement planning with their financial adviser because they are effectively starting again at the halfway stage. The move from a secure environment, such as a job for life, to considering insecurity over the following 20 years is adequate to increase anyone’s stress levels. Everyone hopes that they can maintain a appropriate quality standard of life during their pension years, but it is only through taking appropriate investment advice and retirement planning that you can truly know if you will be capable to look forward to a snug situation from retirement inwards. When you consider what has happened in the past, there is no wonder that some women receive a diverse attitude to financial planning with their financial adviser and particularly when they are looking lengthy term towards retirement planning. While the differences in income generation and financial planning have moved closer in the last few generations, women tranquil often earn less than men for same work. It is the woman who might take one to 10 years away from labor to bring up their children and it is the women who will take smaller pensions when they arrive to retire, generally speaking. Unfortunately, some women are less educated about financial planning and investing for now and through to retirement planning and although women are often credited with managing the budget of a household, these sometimes doesn’t go towards providing income care and investment in the future. It’s urgent for women to realism that statistically, women will most likely live longer than men and will need more money to produce a retirement income over a longer period. While men often think of themselves as the family’s main financial provider, they are very worried about will happen to their families if they should perish at an inconvenient time. Men are expected to comprehend all about income care and insurance while women are more prepared to inquire questions so that they grasp the differences quite clearly. Widows are especially worried about financial planning because many women tend to be more emotional than men, especially behind a divorce or the loss of a life partner. Females have a tendency to be more conscientious and receive fewer risks when talking through objectives with their investment adviser. This can be an advantage or disadvantage depending upon the financial requirements of the people involved and the way that the market moves for or against their investments over the course of time. In former couples, many men receive the lead in all discussions with financial planners, but today’s single women are more prepared to learn and understand about financial services planning and couples are more likely to do financial planning together. The government recently introduced tax legislation which is designed to keep workers superannuation and prohibit the establishment of phoenix companies’ which are deliberately designed to defraud workers of their entitlements. Importantly directors will be personally likely for their company’s failure to pay Splendid Guarantee Contributions (SAC). The APO will be able to make an estimate of unpaid SAC where a company fails to face its reporting obligations. Now more than ever company directors need to ensure that they pay both their SAC and pang on time to avoid fulling fowl of the fresh rules.