Financial planning is the process of meeting your life goals through the proper management of your finances. Your financial independence and future quality of life are vital issues that should not be left to chance. We understand this and can help you secure your future by providing tailored financial strategies designed to create and preserve wealth.

1. Mercury Wealth Management: Financial
Planner Melbourne
www.mercurywealth.com.au
Insurance
We make sure you and your family are
protected against life’s misfortunes.
Superannuation
We can assist you to save tax and have
more super at retirement.
Investment
We can help you to grow your wealth
and realise your financial dreams.
Retirement
We can help you retire when you want
on the income you desire.
http://www.mercurywealth.com.au/

2. About Mercury Wealth Management
Company Directors automatically liable – legislative changes to SGC
regime before parliament.
The government recently introduced tax legislation which is designed to protect
workers superannuation and prevent the establishment of ‘phoenix companies’
which are deliberately designed to defraud workers of their entitlements.
Importantly directors will be personally liable for their company’s failure to pay
Super Guarantee Contributions (SGC)
The ATO will be able to make an estimate of unpaid SGC where a company fails to
meet its reporting obligations.
What is interesting is that the ATO will be able to commence recovery procedures
and pursue company directors if a company fails to comply with its reporting
obligations for a period of more than 3 months and its PAYG or SGC liability
remains unpaid.
Now more than ever company directors need to ensure that they pay both their
SGC and PAYG on time to avoid fulling fowl of the new rules.
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3. Ensure A Bright Future With looking out for the wellbeing of your whole
family and your valuables.
The Help Of A Financial
In case you are unsure of the goals you
Planner In Melbourne want to set for your future, these industry
experts can help clear things up for you
Due to the current state of our economy, all
because it is their job to remind you of your
of us cannot afford to aimlessly squander
needs first rather than your wants. With
our money. However, all of us are not
their help, you will be able to determine
aware how to manage our earnings well
how you can generate the amount you
despite the fact that we know that this is
need for every short, medium, and long-
very important. It is a good thing that men
term goal you have established.
and women can employ the services of a
financial planner in Melbourne if they are When it comes to financial planning in
finding it difficult to accomplish this task on Melbourne, make sure that you hire a
their own. These professionals have group of expert people because two heads
become a necessity in this day and age. are always better than one. You will be able
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managing your finances in the event that to just one person. However, you need to
you do not have enough understanding or bear in mind that these individuals should
time for this aspect. have the knowledge, skills, certifications,
and licenses so that you will be certain that
You need to create and follow a budget if
you are getting more bang for your buck. As
you want to be successful in managing your
long as you start as soon as you can, you
money. Keep in mind that these experts are
will be able to secure your future with ease.
not limited to assisting you with your check
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won't come as a surprise if you are
interested in obtaining insurance due to the
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prepared than to end up one day without
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In addition to that, you are not the only
person that you are looking out for; you are
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4. Land – owning a land property, not exactly
Financial Advisers and ones that are developed can bring lots of
Where Their Uses Can Be monetary returns later on. Lands don’t
depreciate, they only get expensive through
Utilized the years and it’s a pretty good investment.
Getting the necessary papers will be easier
It is essential to any person to have the
with financial advisers to back you up.
stability that he needs not only for his
future but also for his current situation. It is Jewelries – if you are willing to invest your
unlikely that your finances will be as money into something that does not
organized if you are not taking the time to depreciate, then this is one of those. Gems,
sort them out yourself from time to time. If diamonds, pearls, these are those trinkets
you don’t have stable finances, it’s harder that don’t just come beautifully but also
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be asking yourself from time to time where and put them in a safe place, later on you
your money goes. A lot of people just spend can sell them for money and financial
and spend their whole earning life only to stability.
find out later on that they have nothing left
Time deposit and other bank related
as they grow old. That is where financial
investments – your money if not being used
advisers should come in, if you have the
should be safeguarded right? How about
sense to plan for the stability of your
investing it in a bank? If you don’t know a
finances, half of your being old problems
lot about how banking investments work
will be solved.
you can ask help from your financial adviser
Financial advisors will most likely encourage and he will be happy to provide help.
you to save most of your extra salary and
Retirement planning in Victoria isn’t that
dump them into good investments. It’s
bad if you look into the future today. Don’t
unlikely that they will do your finances any
be troubled that someday when you are old
hard because it’s their job and reputation at
you will be left with nothing. Invest today
risk here. So what would be the advices that
and find that financial stability you seek
they will tell you?
early in your life.
Bonds – it’s not difficult to understand that
if you want to buy something that can be a
long term investment, this is what you
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5. Financial Advisor in After you have secured their qualifications,
you can ask or research about their
Melbourne: Helping You background and experience. Know how long
Secure Your Future they have been operating and ask for the
names of their previous clients. If they have
Financial planning is such a delicate matter. worked with a big organization, then it is a
For you to be able to secure your monetary good sign. You can then ask for their
future, you need a financial advisor in impression or reviews about the service
Melbourne. Sometimes, we can’t even trust that were given to them by the advisor if
ourselves from saving our own money and they are impressed or not.
keeping track of our income and expenses
Referrals
because most of us spend a lot. Some even
spend more than what they earn. We need One thing that can ensure you of the
someone who can be trusted to take care of legality of the firm or individual you want to
our funds and will know how and where to hire is if they are referred by someone,
invest it so that it can grow. This is where someone you know well. Most likely, you
the role of a financial advisor comes in. are not the only person who is undergoing
this financial dilemma. There are a lot of
If you are tired of managing your finances,
people out there who have experienced
when you don’t know where all of your
financial problems are learning from their
money goes, then you certainly need the
experience can be beneficial to you. Ask
help of a financial advisor in Melbourne.
them to recommend you to someone they
You just need to be meticulous in finding
know.
the best person to work with and someone
whom you can really trust with taking good Look it up Online
care of your finances. You must look for
someone who won’t take advantage of you If you don’t know where to start looking
and who is just after their pay rather than and asking the people around you is not an
helping you. Now here are some things that option, you can look for a trusted one over
you should know. the internet. All you need to do is search
“financial advisors Melbourne” and you
Qualifications and Experience will get targeted results in your area.
What’s good about looking online is that
There are advisors who work for a firm and
you can take a look at their websites and
there are those who work independently.
read the different reviews and testimonials
Whatever you choose, you need to ask for
of those people they have worked with.
their qualifications and credentials. You
must ensure that they have the right papers
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to practice giving financial advice to people.
Advisers Today
http://www.mercurywealth.com.au/ (03) 9326 1722