I would like to share some insight into investing in international shares as part of a long-term diversified portfolio. You may not be aware, but the Australian share market only represents around 2% of the total capitalization (market value) of world equity markets. There are over 13,000 listed […]
As part of the ongoing Centrelink and superannuation reforms, the Government has extended the Centrelink deeming rules to superannuation account based pensions commencing after 1st January 2015. This means that account based pensions will be treated as a financial asset and deemed under the income […]
You may have previously heard of the term ‘Salary Sacrifice’ and wondered what it’s all about? Essentially, salary sacrifice involves giving up some of your pay and putting it into your super instead, which will save tax and helps boost your super. You’re effectively asking your […]
One of the questions we often get asked by our clients is “How much super do I need for a comfortable retirement?” The answer to this question depends on each individual’s lifestyle needs. For example, if you’re planning to do a lot of overseas travel in retirement then you would need a […]
What is a nominated beneficiary? A nominated beneficiary is typically a dependent or adult relative who has been nominated to receive a death benefit upon the death of a member or policy owner (superannuation, pension accounts or life insurance death benefit). If you’re aged 18 and over, you […]
When people are considering the importance of income protection, some people believe that they have already taken out an income protection policy with their mortgage. However, after taking a closer look, they actually have mortgage protection insurance and not income protection. It is inevitable […]
Budgeting is the process of creating a plan to spend your money. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. If you don't have enough money to do everything you would like to do, then […]
What are some of the pitfalls of buying life insurance online?Most online insurance providers promote the simplicity of applying for life insurance online – no blood tests or medical exams, a handful of medical and pastime questions, and the policy can then be issued instantly. Nice and easy with […]
Can I pay off my mortgage with my super? Superannuation is subject to special access rules called preservation. What this means is that you cannot access your super benefits until you retire after a certain age, or you satisfy another condition of release such as permanent disability or severe […]
What is Trauma insurance? Trauma insurance (also known as Critical Illness insurance) provides a lump sum upon the diagnosis of a serious medical condition. Whilst many of us may have private health insurance, the full cost of seeking specialist treatment for a serious illness is usually not […]
My wife and I utilised Max’s services to review our life insurance policies, with particular respect to addressing an exclusion clause. Max spent significant time searching for the best possible solution and came up with a proposition that affordably met our requirements. I would not have been able to achieve this using one of those on-line insurance quote generators. Max did his utmost to get us the best deal and I would recommend him to anyone who is seriously looking to review their life insurance options.
Thanks Max for all your help with my new Life and Income Protection Policy. Not only have I got a better policy but a better premium as well. You answered all my questions and nothing was too much trouble. A pleasure dealing with you.
Insurance and the complexities of organising it has been made easy by Altura. Thanks Max for a painless process to organise what is an important aspect of any working person’s life. I have a great product within the price boundaries I gave and have the confidence that if I ever needed to claim, I have the full support of Altura to manage me through the process.
Max and Altura recently reviewed my superannuation and personal insurance circumstances. Upon reviewing my existing arrangements and analysing my personal needs, Max was able to outline a more cost-effective plan that saved money and was thereby likely to increase my return over time without compromising my personal coer. Max also took the time to make the process painless and simple and accommodate my busy schedule. Max is a true representative of customer service and operates a highly professional operation.
Max really took the time to understand my families needs and found a solution & cover that matched our situation and budget. His expertise, integrity and attention to detail were outstanding. He patiently followed up and answered each and every question with confidence and authenticity. I only wish all professionals conducted business in this manner. I can recommend Max to you enthusiastically and without reservation.
Max Pagnin from Altura Financial Planning provides outstanding knowledge and integrity in the field of personal insurance and income protection. Thanks to Max and Altura, my family was able to save over $5000 per annum on tax minimisation and through his detailed knowledge and support of my family’s needs for protecting our incomes, and the future of our children I can not thank Max enough, and highly recommend him to my entire network of family, friends and associates.
Max made a quite complex and daunting financial situation straightforward simple and not time consuming. Whilst finding me the best products and keeping my costs at a minimum, but with value, he stepped me through multiple options and was personable, friendly and punctual wiht good follow up.