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Tempus Wealth Newsletters

August 24 July 24 June 24 April 24

Tempus Wealth Investment Updates

August 2024

Tempus Wealth Articles

2022/2023 Federal Budget Planning in your 40s Children and Money habits Five Financial Goals for the New Year The Mental Health Benefits of Exercise Why Insurance Matters When is The Best Time to Invest Critical Illness Insurance

Proud Supporters

Community and charity organisations provide wonderful opportunities for such a diverse range of people and we proudly support their efforts.

DIABETES AUSTRALIA

Tempus Wealth & Warren Saunders Insurance Brokers held our “Trek for a Cause” in May 2024. It was a fantastic day with over 70 participants walking distances of 30km, 20km, 11km, or 6km to raise over $7,500 for Diabetes Australia, a cause that helps empower people to live well with Diabetes whilst raising much needed funds to find a cure. Click here for the video.

Undisputed Performance and Rehab

Tempus Wealth was pleased to support Project AMP, an event ran by James O’Leary, owner of Undisputed Performance and Rehab - Project Any Means Possible (AMP) involving a swim around Shark Island in Cronulla followed by a run at distances between 5-21km. The idea of the event is to promote the community into a better lifestyle and strive to achieve their goals.

Calvary Health Care Kogarah

Tempus Wealth & Warren Saunders Insurance Brokers had an amazing Trek in June 2023 supporting Calvary Health Care Kogarah, a cause very close to our hearts, an organisation that WSIB founder, the late Warren Saunders was a huge supporter of - Calvary Health Care Kogarah. Our teams took on one of the trek options of their choosing (28kms, 20kms, 13kms or 6km) and walked to raised $7,568 to help enable the hospital to purchase equipment and help them continue to enhance their provision of comfort and care for the benefit of their patients. Click here for the video.

BEYOND BLUE

Tempus Wealth & Warren Saunders Insurance Brokers had a great day taking on the Botany Bay Coastal Trek. We raised $5,700 on the day to support Beyond Blue and raise awareness about Mental Health. A big thank you to our many raffle prize sponsors. Click here for the video.

Every donation helps and makes a significant impact to mental health in Australia. Click here to donate.

AUSTRALIAN INSITUTE FOR INTEGERNATIONAL PRACTICE

We are proud members and supporters of this wonderful initiative click here for intro. A long term client of ours has been the initiator of the Intergenerational practice research program and has worked with other passionate health professionals to get it to bring it to life. The work and their mission is extraordinary and we look forward to watching the many benefits it strives to achieve in preventing Ageism and juvenile delinquency as well as just making people’s lives better…

MELANOMA INSTITUTE AUSTRALIA (MIA)

In May 2021 we hosted a charity event supporting MIA. Clients, industry and personal friends joined our Tempus Team in completing the Coastal Trek in the Royal National Park. We had over 60 participants and raised $7,485 that has gone straight to Melanoma Institute Australia. We have plans for bigger and better next year! Click here for the video.

GYMEA GORILLAS

The junior rugby league football club for Gymea is known as the “Gymea Gorillas“ and they entered their very first competition back in 1963. They remain a family orientated club who provide every player with the opportunity to play the great game of rugby league, no matter what their ability. It is about having a go.

THE ROYAL CHALLENGE

The objectives of the Royal Challenge are to raise money for Sydney Children’s Hospital Foundation and inspire people to invest in a healthy lifestyle. #CommunitySupport

Tempus Wealth Tipping

We will once again be hosting both 2024 NRL and AFL Tipping competition for our clients, staff, friends and family.

Entry is $25 per competition and the total pool will be awarded to the top three Tempus' Tipsters in each competition. Click here for more information on how to join.

Tempus Wealth Cocktails Suggestions

Click here to download Tempus Wealth Cocktail Suggestions.

Client Stories & Testimonials

I’ve always been an active person and keeping fit is not only a hobby it’s part of my job as a professional footballer. Like a lot of people you think serious illness won’t happen to you so when I received the news that I had cancer it was a huge mix of emotions. It’s like I still didn’t believe it and that’s really the way I dealt with it the whole way through.

My wife Sonia and mum Sharon were really knocked about by the news. Like any family member would, you think about the ‘what if’s’. I was out of action for a number of weeks and there were moments there where it did cross my mind ‘what if I can’t play again’ and ‘what will I do to earn an income’. Obviously my health was first and foremost but it was only natural to have concern for our future.

Back in 2001 when I first started playing grade footy, I made the decision to seek professional financial advice. I knew there was an end date to this career and I wanted to ensure the opportunity was maximised. As an 18 year old personal insurance was certainly not top of mind and I never thought I’d need to use it. It’s advice that I’m certainly glad I took.

We’ve been farmers our whole life. After we built up and sold our first farm we moved to a much larger property – this meant taking on more debt and more work. The work side of things has never worried us as that is what we know however the finance side of things was something we felt should be looked at by someone who is in that game.

For us, seeing a financial planner was like tidying up loose ends. It brought everything under one umbrella and gave us a clear and achievable path forward and into retirement.

Our personal insurance has been put in place so that if either of us were to get injured and couldn’t work, the other could continue running the farm without any worry about money.

Our superannuation has been tidied up and put into a better fund so that we can achieve a comfortable retirement. We were also advised to refinance our loan with a much better interest rate, which we did. The process was handled by Tempus Wealth which made it easy for us.

We certainly have peace of mind now in regards to our financial future and really feel like we want to spread the word. We’ve just seen it as outsourcing our unnecessary worry.

Jamie was only 49 with a wife and two young children (the youngest being 5 days old), when he suffered a massive stroke. Previously fit and healthy, a non-smoker and with no family history of stroke, he never in his wildest dreams imagined it would happen to him.

He was attending a social gathering when all of a sudden he felt a strange sensation down his left side. Luckily for Jamie there were people in attendance that recognised what was happening to him. He was rushed to hospital, underwent surgery was swiftly put on an intensive rehabilitation program, which included re-learning how to walk and talk.

Fast forward to today and Jamie is back working and even completed the Sutherland to Surf charity fun run. Jamie largely attributes his amazing recovery to getting to hospital quickly and being able to afford, through his insurance, intensive rehab.

We have found that many of our clients require specialist advice in the areas of Buy/Sell, Keyperson and Income Protection insurance. Our long association with Karine Matthews and Murray Bennett has enabled us to refer our valued clients with the confidence that they will receive tailored advice that is appropriate to their circumstances.

As clients ourselves we have benefited from their professional services and commitment to ongoing reviews. — Vince Choy

Client Feedback

Joe & Jacqui had only good things to say about Sam Drury our Mortgage Broker after recently refinancing:

Sam was amazing!! Helped us every step of the way! Cannot recommend highly enough. Sam was great with her communication and was very professional It was a pleasure working with Sam.

Joe & Jacqui 😊

Thank you SO much for helping us through the process of buying our home!! We never thought we could be entering this exciting chapter as a family so soon!! It's been so quick and you've made it incredibly stress-free and seamless! We're so pleased we walked into your office and feel very grateful sitting in our new living room this weekend.

Thank you also for sending us some delicious wine and a card!! Super thoughtful!!

We will, of course, recommend you to everyone!! Whether they are planning to buy or not. "Go have a chat with Sam Drury!"

Have a wonderful week and we'll touch base soon.

Kind regards,

Amy, Tom & Sophia 😀

"Thank you so much for all your help in getting my little investment up and going! Despite only being a little one in a big pond but big to me, you were an absolute gem and made me feel as it was the most important thing to you too! So friendly and professional all the way! Thank you also for taking such an interest in our little grandbaby! Such an amazing experience being a Nanny and it was wonderful for you to ask after him. I’m so happy with our new little house and it will be well loved and lived in for many years to come"

JC 👌

"Thank you so much for all of your support and guidance Antonia. From our very first conversation a year ago you made everything so simple and easy to understand. This has been a very seamless process and I have no doubt it's because you have been doing a lot of work in the background for us"

Anna T and Brad M 👍

"You’re a genius Antonia and thank you. I know we are not quite done yet but you have been amazing to deal with and I really appreciate your help and professionalism. You and the whole Tempus team have all been great."

Corey and Rebecca to Antonia Krkovski 😁

Finance Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Borrowing and credit

• Mortgage calculator
• Mortgage switching calculator
• Mortgage health check
• Personal loan calculator
  (also suitable for car loans)
• Credit card calculator

Cash Flow Management

Cash flow management is the backbone of a comprehensive financial plan. A sound cash management program will:

• Maintain appropriate levels of liquid funds for predictable expenses and emergencies
• Allocate excess funds to be invested for the longer term.

As part of our comprehensive review of your financial situation, we will prepare both a current balance sheet and your cash flow projections.

Strategy

A Cashflow Strategy helps you to achieve the following:

• Optimise your debt
• Maximise your cash flow

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Debt / Loan Management

Tempus Finance is our specialist loans division. Integrating with your personal strategy, Tempus Finance can help you secure exactly the right loan for your circumstances. We can help you:

• Purchase a home or investment property
• Reassess your current home or investment loan
• Refinance your existing loan
• Assist with car and equipment leasing
• Secure a personal loan
• Find a commercial or business loan
• Consolidate debt and free up equity

Obtaining a loan through Tempus Finance does not end there, your loan is reviewed annually, with up-to-date property and area valuations, in addition to detailed loan market comparisons to ensure that you are getting the best rates and products available.

Debt Management

At Tempus Wealth, we distinguish between bad debt – simply spending tomorrow’s money today; and good debt – debt that builds wealth and improves your financial position. The sensible and strategic use of debt, and a refocusing from bad to good, is an essential part of our planning services.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Investment Advice

It is investments, not income that have the power to really build wealth for the long run. There are four key elements to our investment philosophy:

STRATEGY

Determine the best strategy for your needs, including timeframes, milestones and the optimal asset mix.

PLATFORM

Connecting the strategy with the most appropriate platform – from low-cost industry style funds to multi-functional wrap accounts

INVESTING

Purchasing quality investments which have been extensively researched by ourselves and the FSP Investment Committee

REVIEW

Regular reviews of your investments to keep up-to-date with global and local market conditions, and the continuing performance of your portfolio

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Tax Planning

Tempus Wealth will make tax planning an essential component of your overall strategy. Effective tax planning can legally minimise the amount of tax you pay, for example through:

• Salary sacrificing
• Co-contributions
• Tax concessions from your investments through negative gearing

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Superannuation

Superannuation is more than just a way to save for your retirement. At Tempus Wealth it is an essential pillar in a broader wealth creation strategy. Tempus Wealth can ensure that your superannuation is aligned with your lifestyle goals, whether it is helping to find lost super, assist with selecting the right structure or advising on asset allocation or investment choice. We can also ensure that your super is integrated with your tax planning. Super may be eligible for the following tax benefits:

• Personal contributions may attract a tax deduction
• Contributions made by your employer or under a salary sacrifice arrangement (up to your contributions cap) are usually taxed at only 15% instead of your marginal tax rate, which could be higher.
• Investment earnings are taxed at a maximum of 15%, rather than your marginal tax rate which could be up to 47% (including Medicare).
• Capital gains in the super fund are taxed at a maximum rate of 15 per cent, instead of at your marginal rate if the investments are owned personally.
• Your super benefit can be paid as a tax-free pension or lump sum when you reach 60 and satisfy the criteria to access your funds.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Personal Insurance

We insure important possessions, like our houses, because their loss could be financially devastating. But what if something happened to you? If you were in an accident or suffered serious illness and couldn’t work, how would you and your family afford your medical bills? How would you cover your mortgage and daily expenses? Personal insurance is about protecting your most important asset – you. Talk to Tempus Wealth about an insurance strategy that works for you.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Retirement Planning

What age do you want to be when you retire?

What type of lifestyle do you want to lead?

These two important questions are the first steps in planning for your retirement. Many people live well into their 90s, so you need to make sure your retirement income will last the distance. The right advice is about making choices today that will support your future lifestyle. Tempus Wealth can help you take control of your finances and grow your retirement income.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Estate Planning

Estate Planning is about protecting your legacy – preparing a plan while you are still alive and well to protect your wealth, your wishes and the interests of your loved ones. While estate planning usually has a financial focus, it will also account for non-financial issues, such as:

• Who will care for any dependent children if you were to pass away
• Your choice of medical treatment if you become incapable of making your own decisions

Estate Planning requires legal authority, and Tempus Wealth has a number of associate contacts who can help in this regard. Tempus Wealth can facilitate the legal relationships necessary to ensure your estate plan remains aligned with your overall strategic financial plan.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Business and Group Insurance

Building & maintaining a business is hard work. The success and growth of your organisation can heavily depend on the knowledge, experience and initiative of one or more essential people as well as protecting your whole team. How would your organisation manage with the loss of a keyperson including a business partner, what would happen to the ongoing ownership of your business? What about your staff, having the ability to offer Group life, TPD and income protection is an employee benefit that enhances staff loyalty and retention as well as making you an employer of choice. Talk to one of our business insurance specialists to see how you can protect your business and your people..

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Aged Care

ACCREDITED AGED CARE PROFESSIONAL

Dealing with decisions on aged care can be overwhelming, but identifying the key issues and getting the right advice can help give you the clarity you need. Meeting with one of our aged care specialists, we will explain the costs involved throughout the whole process and provide you with full explanation of all available options, so that you can assess the value before you make any decisions. We are here to help you take a positive step toward your peace of mind for your loved ones.

Contact us today to discuss how we can work together: (02) 9195 3770 or email us at advice@tempuswealth.com.au

Useful Links

Tax Resources

Financial Videos

Tempus Wealth Budget Planner

Download

General Calculators

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.