Hi All.
Isn't it scary to think about how quick this year is passing us by.. I trust that everyone is on top of their financial affairs with EOFY upon us?  
An observation I have noticed in our own practice is many of our clients who are in retirement mode, are needing to dip into their savings to assist their children with financial affairs. Two cases recently saw the clients children have a major health event and with no protection by insurance saw them go back to mum and dad for financial assistance.  Please ensure your loved ones have the necessary cover in place for everyone's benefits.  

if you have other issues regarding your financial affairs or estate planning,  please give us a call, that is what we are here for.

A new section to our Newsletter will see us share information that is that are not just financially related. These may be places of interest, food and wine recommendations or stories either experience by myself or one of our staff that we need to share.  This edition will see a wine and place to stay highlighted.

We would also appreciate your feedback, if there is anything in particular or anything you would like us to talk about, please let us know, we value your input.

I enjoyed this quote as everyone seems to talk abut how quickly time moves, and find it incredibly reflective when talking about the future. --- which path are you on? 
When it comes to the future, there are those who
let it happen

then there are those who

make it happen

and those who 

wonder what happened.
Preparing for EOFY
With the end of the financial year on our doorsteps, its a good time to reflect on your financial situation.

Here is a list of common changes to consider...

read more
Do you feel like spending?
When the Reserve Bank of Australia lowered interest rates, Treasurer Joe Hockey immediately urged Australian households and businesses to make the most of this opportunity, and to borrow, invest and spend.

read more
Women are more likely to experience disability after illness
Women aged over 45 are nearly twice as likely to be disabled from sickness as men, New research has shown.

read more
Living longer means changes to Super
Nothing can be taken for granted when it comes to superannuation and aged pension policy.  Recent industry discussion means it's more important than ever to ensure you are financially self-sufficient for your future.

read more
ATO warns of aggressive phone scammers
The ATO is again warning the public to be aware of a phone scam that is circulating, where fraudsters are intimidating people into paying a fake tax debt over the phone.  The aggressive scam attempts to force people to pay a fake tax debt immediately by threatening arrest if they don’t comply.

Luxury car tax threshold 
The luxury car tax threshold for the 2015/2016 financial year is $63,184. The fuel-efficient car limit for the 2015/16 financial year is $75,375.
Early access to super for people with terminal illness
The Assistant Treasurer has announced that, from 1 July 2015, the government will amend the provision for accessing superannuation for people suffering a terminal illness.

Under the current provision for early access to super, a person with a terminal illness is required to obtain a certification from medical specialists that they have less than 12 months to live. The relevant regulations will be amended to change the life expectancy period from 12 months to 24 months.
This months saw us able to showcase for some of our clients an Information Evening held at the Brighton Baths.   With some interesting insights shared by our speakers, our clients enjoyed some delicious food and wines along with getting to know our team.
DFP - Wine of the month
‘The Fat Cat Shiraz’ is produced by ‘Quin Brothers Wines’.  

The renowned winemaker is Andrew Quin, current head winemaker for ‘Hentley Farm Wines’ in The Barossa.
Hentley Farm has just been awarded ‘Winery of the year’ by James Haliday.  Andrew has been nominated twice for ‘Young Winemaker of the year’, and has also produced the wine voted ‘Best Red’ at the prestigious 2013 Barossa Wine Show.
We hope you enjoy this wine as much as we enjoy drinking it.


Matt Quin is a good friend of DFP - and this is an excellent red - at $20 a bottle it drinks like a $60.  Should you wish to experience you can contact Matt at: 
DFP - Stay of the month 
A delightful cottage lovingly and beautifully restored by 5th Generation Carol Gillman.  

Chiltern accommodation at Chiltern Cottage is located right in the heart of Chiltern, 3 hrs drive north of Melbourne and perfectly located midway between Beechworth and Rutherglen, Albury and Wangaratta.  

We were fortunate enough to stumble across this hidden gem and could not recommend it higher.  

Plus Carol is a delight to deal with and can be contacted on 0419 388 045

Dunsford Financial Planing has had a bit of movement recently with a a few new entries  to our team. Let's take a moment to meet them...
Tahlia Hartskeerl - joins the team as Office Manager

With a weath of experience with client relations.  Tahlia is a very keen sports fan, being the youngest with 3 older brothers, this was hard to avoid.  She plays netball for Frankston Bombers and barracks for the Melbourne Demons
Patrick Czajka - joins the team as Financial Administrator/Paraplanner

Recently graduated with his Bachelors in Commerce majoring in Accounting and Finance, Patrick is the youngest member in our team. He is responsible for assisting clients and helping the Advisor's. Patrick is a passionate motoring enthusiast. 
Prab Singh - joins the team as Associate Advisor/Senior Paraplanner 

Prab has been in Financial Planning since Feb 2008. and has worked for various organisations as Adviser & Paraplanner. Recently married Prab loves his football and is an avid Melbourne Demons supporter.

From all of us here at Dunsford Financial Planning - a big happy End Of Financial Year to all our friends...And we look forward to assisting you in the future....
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