Disclaimer

This briefing is presented by Ben McLennan of HM Financial Group Pty Ltd tradingas Prospur Financial, Corporate Authorised Representative of AMP FinancialPlanning Pty Limited, ABN 89 051 208 327 (“AMPFP”), AFS Licence No. 232706.

This presentation has been prepared by Prospur Financial. Any advice containedin this briefing is of a general nature only and does not take into account theobjectives, financial situation or needs of any particular person. Therefore,before making any decision, you should consider the appropriateness of theadvice with regard to those matters.

The information in this presentation is current as at October 2019.

Why isn’t it lunch time?

“We are drowning in a sea of irrelevance,

and starving for

meaning…”Edward O Wilson

What we do

What we do

What’s wise for entrepreneurs?

Freedom or Security

•What’s more important to you?

How much risk are prepared you to take?

What should you consider?

Asset Protection #1

Know your numbers & your structure

Asset Protection #2

Plan BLife insurance

Total & Permanent Disability

Trauma cover

Income Protection

Business Expenses

Buy/Sell Insurance

Paid on:

• Death

• Can’t work again, ever• Cancer, stroke, heart attack etc

• Income if you can’t work• Pays expenses if you can’t work• Buying out partners in event of

death/disability etc

Asset Protection #2 (cont)

Plan BProfessional Indemnity

Public Liability

Business Contents

Business Interruption

Paid on:

• Negligence

• Third party Injury/Illness

• Loss on business assets

• Loss of business revenue

General Insurance policies

Asset Protection #3Superannuation

Sole Purpose: to provide retirement income and death

benefits

Limited accessibility

Tax effective savings – contribution deductibility

Tax effective investment structure – 15% on earnings

Can own some life/disability/income protection insurance

Some Estate Planning control

Own residential or commercial premises

Protected from creditors

Asset Protection #4

Investment Bonds

Totally accessibility

Issued by Friendly Societies and Life Companies

Tax effective investment structure – 30% on earnings

No Capital Gains Tax after 10 years (rules apply)

Total Estate Planning control

Protected from creditors

Asset Protection #5

Companies & Trusts

•Entities vs Structures

•Taxable vs non-taxable

•Limited liability

How do I pick a great adviser?

The best advisers ask great questions…

What are your hopes and dreams?

What are you afraid of? What keeps you awake?

How do you want to be remembered?

What’s been your best financial decision/biggest mistake?

Why are you taking these risks?

Why did you want to see me?

There when you need us most

PRICE IS WHAT YOU PAY…

Value is what you get!

Value is a perception,

not a calculation. Value

is something people

feel, not something we

tell them they get.- Simon Sinek

What does great advice feel like?

Great advice leaves you feeling:

•Informed

•Educated

•Enlightened

•Empowered

Quote

“There is no security in life, there is no security in nature - life is a daring adventure or it is nothing.”

Helen Keller

Additional slides