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26.
Preparing an Investment Strategy
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Dover Financial Advisers, Financial Services, Financial Planning, Dover Financial Advisers, Cheltenham, Victoria , Australia
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Superannuation Planning
Introduction to Superannuation
Index
1. Why SMSFs are essential
2. Why we recommend SMSFs
3. Benefits of SMSFs
4. SMSF setup costs
5. The process for SMSF setup
6. Further reading
Super planning stategies
Index
1. Large deductible contributions
2. Borrowing to pay deductible contributions
3. Tax savings for deductible contributions
4. Borrowing inside SMSFs
5. Co-contributions for people on low incomes
6. Large deductible contributions for spouses
7. Large deductible contributions for parents
8. Large deductible contributions for parents
9. Salary sacrifice strategies
10. Transition to pension age 66 - 60
11. Transition to pension after 60
12. Spouse superannuation benefit transfer
13. Superannuation benefit transfers TRAPs & spouses
14. Borrowing to pay large contributions
15. Pay super before loans
16. Retire at 55 to access tax free lump sum
17. Concessional contributions & advanced gearing
18. Non-concessional contributions & advanced gearing
19. Controlling shareholder planning techniques
20. Family tax assistance rules
21. Consolidate your super
22. Transferring UK superannuation benefits
23. Kick-starting your super stategy
24. Dollar cost averaging and SMSFs
25. Binding death benefit notices
26. Preparing an investment strategy
Complaints handling
The Dover Way
Index
Introduction
Legal Structures
Index
Introduction - recommendations
Personal services income (PSI)
Personal service income trusts
Family trusts and PSI
Part-time private practice
Business practice trusts
Service entities
Service companies
Service trusts
Service partnerships
Part-time practice companies
Investment companies
Investment trusts
Investment SMSFs
Associateships and partnerships
Superannuation Planning
Introduction to superannuation
Super planning strategies
Stategies
No1
No2
No3
No4
No5
No6
No7
No8
No9
No10
No11
No12
No13
No14
No15
No16
No17
No18
No19
No20
No21
No22
No23
No24
No25
No26
Debt Management
Index
McMasters Finance
Cash management techniques
Simple gearing stategies
In-house finance company
Credit card management
Do not pay off loans
The role of debt
Handy hints for getting the money
How to manage debt
Negative gearing
Sources of debt
Tax Planning
Index
Introduction
Company cars
Overseas travel
Employment of relatives
Ownership of a related business
Common deductions
Deferring income
Pre-payng deducible costs
Tax Planning for employee GPs
Index
Introduction
Public hospital employees
Car fringe benefits
What is business travel?
Remote area housing
Living away from home allowance
Employee gifts
Reasonable meal allowances
The otherwise deductible rule
Frequent flyer benefits
In-house childcare facilities
Tax Planning Ideas
Index
Fringe benefits exemption
Minimising Tax on Investments
Index
Introduction
The basic principles
Tax efficient investment structures
Inter-face with practice structure
The role of debt
Other issues
Summary table
Financial Planning: The theory
Index
Introduction
One explanation of wealth
Another explanation of wealth
The purpose of wealth
GPs and investing
GPs economic life: the 3 phases
The young GP
Middle age & the peak cost years
The later years & retirement
How to retire early
Financial Planning: The practice
Index
Introduction
Should you own your own practice?
Your practice structure
Buying & owning cars
Buying your home
SMSFs and index funds
Asset protection strategies
Life insurance and income insurance
Financial assistance to relatives
Estate planning issues
Practical tax planning
Summary of the tax benefits
Intergenerational financial planning
Index
Introduction
Financial planning assistance to children
Summary of intergenerational planning
Disabled children
Worried grandparents and second hand volvos
Rich parents
Poor parents
Parents of foreign trained doctors
Parents with a low profit business
A family of investors
Indirectly gearing up a super fund
Superannuation co-contribution for parents
Employing children
The investment trust
Financial assistance to children
Homes for children
A child in every home
Family assistance payments
FAQ
Current investment issues
Asset protection for Doctors
Index
Keep a clear perspective
Future assets
Existing assets
Estate planning for doctors
Index
Introduction
Assets included in a GPs estate
The will
Bequests to beneficiaries
Changing a will
Contesting a will
Probate
Some terminology
The essential elements of a will
Signing and witnessing a will
What assets are controlled by a will?
Testamentart trusts
Advantages of testamentary trusts
Is there anything else to do?
Special notes on super funds
Powers of attorney
Insurance for doctors
Index
Introduction
Life insurance
Trauma insurance
Workcover
Health insurance
A special note on mental illness
Property & business insurances
General insurance
Homeowner's insurance
Business insurance
Frequently used diagrams
Frequently used documents
Interesting links
Index
General financial links
Sources of law
Superannuation information
Websites for doctors & dentists
That's a good idea
Index
Introduction
Superannuation planning
Controlling shareholder contributions
Spousal benefit transfers
Transition to retirement pensions
Double TRISS strategies
Superannuating children
The co-contribution: $1,500
Borrowing to pay contributions
Pay super before you repay loans
Debt management
Do not pay off debt
Non-deductible debt
Purchase home and debt conversion
Pay super before you repay your loans
Dealing with your bank manager
Paying personal deductible costs
Finance for Islamic doctors
SMSF investing
Automate your investment strategy
Check out super simulators
Don't borrow in your SMSF
Investing
A home for every child
Cash flow positive investing
Investing for private school fees
Using an investment company
Using two investment companies
Rental homes in holiday areas
Keep that old home
Use a quantity surveyor
Why we like index funds
Why we like dollar cost averaging
Managed investments to pay for education
Why we like property
Tax planning
Deductible overseas travel
Low dollar value fringe benefits
Pre-pay deductible interest
Employing children
Multiple tax exempt fringe benefits
A strategy for an employee doctor
Have you checked your deductions?
Thinking about June 30
Borrowing to pay large deductible contributions
Buy a home in a company
Paying personal deductible costs at the practice trust level
Estate planning
Financial planning
Inter-generational financial planning
Can you get family tax assistance?
Tax bonus payments
Get those commissions back!
Helping elderly parents?
Back out of dodgy investments
What should you be doing now?
Think of your family
Take care with pathology payments
Children staying at home
Are you helping relatives financially
Universal insurance
Child maintenance trusts
Practice development
