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HOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structure 2021-22 FEDERAL BUDGET Colin Lewis | Technical Update 1www.fitz.com.au 2021-22 FEDERAL BUDGET By Colin Lewis Head of Strategic Advice 11th May 2021 This is a GOOD NEWS BUDGET as it relates to financial planning advice. The measures announced in this year’s Budget covering taxation, superannuation and social services are all positive and, I’m sure you’llDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
MATTHEW NICHOLSON
Matthew’s strong technical expertise allows for a thorough and detailed evaluation of a wide array of financial strategies. Able to refine and tailor these strategies around each client’s particular circumstances, he delivers a high quality of both advice and service through the provision of elegant, market-leading solutions.SAM BENDEICH
Sam brings to Fitzpatricks Wealth Advisers a unique blend of life insurance technical excellence and a resolute customer focus. As a risk management expert, Sam’s passion in the wealth management industry is to develop a clear understanding of his clients, their dreams (both business and personal) and their family circle dynamic. Distilling this often complexSIMEON LEVIN
THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner.WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoHOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structure 2021-22 FEDERAL BUDGET Colin Lewis | Technical Update 1www.fitz.com.au 2021-22 FEDERAL BUDGET By Colin Lewis Head of Strategic Advice 11th May 2021 This is a GOOD NEWS BUDGET as it relates to financial planning advice. The measures announced in this year’s Budget covering taxation, superannuation and social services are all positive and, I’m sure you’llDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
MATTHEW NICHOLSON
Matthew’s strong technical expertise allows for a thorough and detailed evaluation of a wide array of financial strategies. Able to refine and tailor these strategies around each client’s particular circumstances, he delivers a high quality of both advice and service through the provision of elegant, market-leading solutions.SAM BENDEICH
Sam brings to Fitzpatricks Wealth Advisers a unique blend of life insurance technical excellence and a resolute customer focus. As a risk management expert, Sam’s passion in the wealth management industry is to develop a clear understanding of his clients, their dreams (both business and personal) and their family circle dynamic. Distilling this often complexSIMEON LEVIN
THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner.WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is also FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureADVISERS ARCHIVE
Heather Boughton. Fitzpatricks Private Wealth. Heather Boughton has over 33 years’ experience in the financial services industry. Heather is a trusted mentor and adviser to a broad range of clients, building long term personal relationships with them. Heather provides guidance and security in all aspects of investment, tax and financialplanning.
FITZPATRICKS PRIVATE WEALTH, NORTHERN BEACHES At Fitzpatricks Private Wealth, Northern Beaches, we provide personal and structured advice. We approach a financial plan as a lifelong strategy and we are focused on providing you with personalised ongoing care. We have expertise in investment, superannuation and insurance strategies, ensuring these strategies meet your individual circumstances and goals. We take the time to FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we run SUPER PROCEEDS TRUSTS An SPT is a trust that is funded by superannuation death benefits. Generally, it’s established under the terms of a person’s Will to manage their super death benefits for the ultimate benefit of various beneficiaries, instead of those beneficiaries inheriting the death benefits directly from the super fund, say because of asset protectionWARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDAVID MARASEA
David Marasea commenced his career as a financial adviser in 2004; initially at a small boutique financial planning firm called Heraud Harrison, one of the founding firms that later merged to create the Shadforth Financial Group (SFG) in 2008. Finding that the corporate model suited his ideals about how best to serve client’s interestsless
DENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
PROTECT YOUR ‘GRANDFATHERED’ ACCOUNT-BASED PENSION Protect your ‘grandfathered’ account-based pension. 25 July 2018. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth. July 2018. The introduction of the $1.6 million transfer balance cap (TBC) – part of the superannuation reforms that came into effect from 1 July last year – was the catalyst for many peopleto
HOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structure 2021-22 FEDERAL BUDGET Colin Lewis | Technical Update 1www.fitz.com.au 2021-22 FEDERAL BUDGET By Colin Lewis Head of Strategic Advice 11th May 2021 This is a GOOD NEWS BUDGET as it relates to financial planning advice. The measures announced in this year’s Budget covering taxation, superannuation and social services are all positive and, I’m sure you’llDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
MATTHEW NICHOLSON
Matthew’s strong technical expertise allows for a thorough and detailed evaluation of a wide array of financial strategies. Able to refine and tailor these strategies around each client’s particular circumstances, he delivers a high quality of both advice and service through the provision of elegant, market-leading solutions.SAM BENDEICH
Sam brings to Fitzpatricks Wealth Advisers a unique blend of life insurance technical excellence and a resolute customer focus. As a risk management expert, Sam’s passion in the wealth management industry is to develop a clear understanding of his clients, their dreams (both business and personal) and their family circle dynamic. Distilling this often complexSIMEON LEVIN
THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner.WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoHOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structure 2021-22 FEDERAL BUDGET Colin Lewis | Technical Update 1www.fitz.com.au 2021-22 FEDERAL BUDGET By Colin Lewis Head of Strategic Advice 11th May 2021 This is a GOOD NEWS BUDGET as it relates to financial planning advice. The measures announced in this year’s Budget covering taxation, superannuation and social services are all positive and, I’m sure you’llDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
MATTHEW NICHOLSON
Matthew’s strong technical expertise allows for a thorough and detailed evaluation of a wide array of financial strategies. Able to refine and tailor these strategies around each client’s particular circumstances, he delivers a high quality of both advice and service through the provision of elegant, market-leading solutions.SAM BENDEICH
Sam brings to Fitzpatricks Wealth Advisers a unique blend of life insurance technical excellence and a resolute customer focus. As a risk management expert, Sam’s passion in the wealth management industry is to develop a clear understanding of his clients, their dreams (both business and personal) and their family circle dynamic. Distilling this often complexSIMEON LEVIN
THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner.WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is also FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureADVISERS ARCHIVE
Heather Boughton. Fitzpatricks Private Wealth. Heather Boughton has over 33 years’ experience in the financial services industry. Heather is a trusted mentor and adviser to a broad range of clients, building long term personal relationships with them. Heather provides guidance and security in all aspects of investment, tax and financialplanning.
FITZPATRICKS PRIVATE WEALTH, NORTHERN BEACHES At Fitzpatricks Private Wealth, Northern Beaches, we provide personal and structured advice. We approach a financial plan as a lifelong strategy and we are focused on providing you with personalised ongoing care. We have expertise in investment, superannuation and insurance strategies, ensuring these strategies meet your individual circumstances and goals. We take the time to FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we run SUPER PROCEEDS TRUSTS An SPT is a trust that is funded by superannuation death benefits. Generally, it’s established under the terms of a person’s Will to manage their super death benefits for the ultimate benefit of various beneficiaries, instead of those beneficiaries inheriting the death benefits directly from the super fund, say because of asset protectionWARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDAVID MARASEA
David Marasea commenced his career as a financial adviser in 2004; initially at a small boutique financial planning firm called Heraud Harrison, one of the founding firms that later merged to create the Shadforth Financial Group (SFG) in 2008. Finding that the corporate model suited his ideals about how best to serve client’s interestsless
DENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
PROTECT YOUR ‘GRANDFATHERED’ ACCOUNT-BASED PENSION Protect your ‘grandfathered’ account-based pension. 25 July 2018. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth. July 2018. The introduction of the $1.6 million transfer balance cap (TBC) – part of the superannuation reforms that came into effect from 1 July last year – was the catalyst for many peopleto
HOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
HOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structurePENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FITZPATRICKS PRIVATE WEALTH (AUST) Fitzpatricks Private WealthAustralia. Australia. Glen is passionate about helping clients gain clarity around their personal goals and dreams and building strategies to assist them in achieving their ambitions. He seeks to empower his clients to live their life by design, the way they want to live. On an ongoing basis, Glen and histeam are
SIMON BEASLEY
Simon commenced his financial planning career 22 years ago and prides himself on understanding the goals and aspirations that are important to his clients. Simon’s financial planning background within the business banking and private wealth fields has provided a sound foundation prior to joining the Fitzpatricks team in 2020. He has beenimpressed with the
FITZPATRICKS HOPE ISLAND FitzpatricksHope Island. Hope Island. We help people get financially organised, providing them with more time to live their life on purpose and create the life they want. After spending the time to clearly understand a person’s goals and determining if we can provide value to their situation prior to engagement, we embark on a long term THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner.DENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,ROSS CURULLI
Ross has worked extensively in banking and finance for the last 31 years and began Financial Planning in 1998. He has also been a Certified Financial Planner CFP® since 2003. His strengths lie in developing dynamic and sound strategies for high net worth individuals with special detail for ongoing service. Ross looks forward toutilising
CHRIS GIAOURIS
Chris has a Bachelor of Commerce from Deakin University and is a Certified Financial Planner (CFP®) through the Financial Planning Association of Australia. CFP® is an internationally recognised mark and is currently the pre-eminent representation of professional Financial Planners around the world. Chris is also a member andaccredited
ROBERT ROSS
Robert Ross Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Rob has over 20 years experience in Finance and Industry and has enjoyed management roles in Banking and Funds Management in Sydney and London. In more recent years, Rob gained invaluable experience in comprehensive advice as the General manager of the family officeHOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
HOME - FITZPATRICKS
We provide advice to get you personally. and financially well organised. 10-3-now uses a goals-based advice process to keep you on track to reach your ultimate goals in life. We start with where you want to be in 10 years’ time, where you are now, and create a practical plan to guide you through to where you need to be in 3years’ time.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structureDAVID GRENCI
David Grenci has over 21 years’ experience helping his clients in financial services by providing specialised & personalised financial planning advice on a holistic basis for high net wealth individuals and their families. David is driven and passionate about helping clients build and protect their wealth. His focus is on buildinglong-term
PENSION DRAWDOWN
Take Geraldine, aged 68, who has an account-based pension in her SMSF which had an account balance at 1 July 2020 of $640,220. The ‘normal’ minimum annual payment is $32,010 (5% x $640,220 rounded to nearest $10) and the ‘new’ minimum is $16,010 (2.5% x $640,220 rounded to nearest $10). Seems straightforward enough and it is. FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,CONLIE SALVEMINI
Conlie Salvemini Authorised Representative ofFitzpatricks Private Wealth Pty Ltd. Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choiceswith
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structurePENSION DRAWDOWN
17 December 2020. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth December 2020. Anyone who has an account-based pension knows they must take a minimum payment each year. Of course, those requiring more income can take it, however, there are people who do not need this payment because they have other sources of income to live on, but still want to be in retirement LOCAL SUPPORT CRITICAL FOR BUSHFIRE-AFFECTED CANCER January 2020 One regional volunteer organisation is pulling out all the stops to continue its vital work supporting cancer sufferers in rural New South Wales Since mid-2019 Australia’s bushfires have devastated an area larger than England, claimed over 20 lives, destroyed around 1,500 homes and wreaked havoc on native wildlife. This unprecedented national crisis has THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner. FITZPATRICKS PRIVATE WEALTH (AUST) Suite 401C, Level 4, 19 Honeysuckle Drive, Newcastle 2300. 02 4926 5099 - Fax: 02 4926 5899DENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience, FITZPATRICKS HOPE ISLAND Level 23, 215 Adelaide St, Brisbane, QLD, 4000 GPO Box 589 Sanctuary Cove QLD 4212 Level 9, 10 Spring Street, Sydney, NSW 2000 GPO Box 1193Sydney NSW 2001
CHRIS GIAOURIS
Chris has been providing personal wealth management and financial advice since 2008; initially with a boutique firm “Heraud Harrison” who were one of the founding firms that later merged to create the Shadforth Financial Group (SFG). Finding that the corporate model suited his ideas about how best to serve client’s interests less and less, ChrisROSS CURULLI
Ross has worked extensively in banking and finance for the last 31 years and began Financial Planning in 1998. He has also been a Certified Financial Planner CFP® since 2003. His strengths lie in developing dynamic and sound strategies for high net worth individuals with special detail for ongoing service. Ross looks forward toutilising
ROBERT ROSS
Rob has over 20 years experience in Finance and Industry and has enjoyed management roles in Banking and Funds Management in Sydney and London. In more recent years, Rob gained invaluable experience in comprehensive advice as the General manager of the family office for a wealthy family in Sydney. Rob established Ross Financial Advisers inHOME - FITZPATRICKS
2021-22 Federal Budget By Colin Lewis, Head of Strategic Advice May, 2021 This is a GOOD NEWS BUDGET as it relates to financial planningadvice.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structurePENSION DRAWDOWN
17 December 2020. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth December 2020. Anyone who has an account-based pension knows they must take a minimum payment each year. Of course, those requiring more income can take it, however, there are people who do not need this payment because they have other sources of income to live on, but still want to be in retirementDAVID GRENCI
We all dream of the day we can retire from work and enjoy the fruits of our labour; whether that’s pottering about in the garden, travelling the world, or more time to catch up with friends and family. Implementing a smart wealth creation strategy now will help FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
CONLIE SALVEMINI
Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choices with your most important goals and deeply held values. He then drills down to help you uncover the opportunities thatDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is alsoHOME - FITZPATRICKS
2021-22 Federal Budget By Colin Lewis, Head of Strategic Advice May, 2021 This is a GOOD NEWS BUDGET as it relates to financial planningadvice.
FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structurePENSION DRAWDOWN
17 December 2020. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth December 2020. Anyone who has an account-based pension knows they must take a minimum payment each year. Of course, those requiring more income can take it, however, there are people who do not need this payment because they have other sources of income to live on, but still want to be in retirementDAVID GRENCI
We all dream of the day we can retire from work and enjoy the fruits of our labour; whether that’s pottering about in the garden, travelling the world, or more time to catch up with friends and family. Implementing a smart wealth creation strategy now will help FITZPATRICKS GOLD COAST Fitzpatricks Gold Coast looks after 50 selected high nett wealth families and successful business owners. Typically our clients have assets between $2 million and $50 million. The three areas we focus on for our clients are wealth succession/asset protection, estate planning and helping them make smart choices with their money. The Style of advise we runDAVID MARASEA
SIMEON LEVIN
CONLIE SALVEMINI
Helping you to get to the heart of what is truly important to you and your family is Conlie’s primary goal. He does this by encouraging you to step back and align your financial choices with your most important goals and deeply held values. He then drills down to help you uncover the opportunities thatDENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience,WARRICK HANLEY
Warrick helps successful individuals and their families get financially organised. Combining his practical experience and formal qualifications with tailored financial advice, clients are empowered to make informed decisions and take appropriate action to create the life they truly want. As well as providing financial advice to his clients for over 18 years Warrick is also FOUNDATION - FITZPATRICKS Fitzpatricks Financial Group Foundation Across the spectrum of positive activities that help generate a deep sense of personal enrichment for our clients, it is the act of giving that often stands above all others. Giving well, to both enhance your personal circumstances and maximise the end benefit to a chosen charity, involves getting the structurePENSION DRAWDOWN
17 December 2020. By Colin Lewis, Head of Technical Services, Fitzpatricks Private Wealth December 2020. Anyone who has an account-based pension knows they must take a minimum payment each year. Of course, those requiring more income can take it, however, there are people who do not need this payment because they have other sources of income to live on, but still want to be in retirement LOCAL SUPPORT CRITICAL FOR BUSHFIRE-AFFECTED CANCER January 2020 One regional volunteer organisation is pulling out all the stops to continue its vital work supporting cancer sufferers in rural New South Wales Since mid-2019 Australia’s bushfires have devastated an area larger than England, claimed over 20 lives, destroyed around 1,500 homes and wreaked havoc on native wildlife. This unprecedented national crisis has THE BENEFITS OF A REVERSIONARY PENSION 27 June 2012. Estate Planning is an important component of successful financial planning. The constant increase in blended families further highlights the emphasis that should be placed on this area, as there are often various relationships that need to be considered to ensure that the generational transfer of wealth is distributed as desired and in an equitable manner. FITZPATRICKS PRIVATE WEALTH (AUST) Suite 401C, Level 4, 19 Honeysuckle Drive, Newcastle 2300. 02 4926 5099 - Fax: 02 4926 5899DENIS O'CALLAGHAN
Denis has been part of the financial services industry for over 20 years. He has a Bachelor of Business, Diploma of Financial Planning and Registered Tax Agent. Denis is also a member of the Self-Managed Superannuation Fund Professionals Association of Australia (SPAA) as well as the Financial Planning Association. With Denis’ extensive knowledge and experience, FITZPATRICKS HOPE ISLAND Level 23, 215 Adelaide St, Brisbane, QLD, 4000 GPO Box 589 Sanctuary Cove QLD 4212 Level 9, 10 Spring Street, Sydney, NSW 2000 GPO Box 1193Sydney NSW 2001
CHRIS GIAOURIS
Chris has been providing personal wealth management and financial advice since 2008; initially with a boutique firm “Heraud Harrison” who were one of the founding firms that later merged to create the Shadforth Financial Group (SFG). Finding that the corporate model suited his ideas about how best to serve client’s interests less and less, ChrisROSS CURULLI
Ross has worked extensively in banking and finance for the last 31 years and began Financial Planning in 1998. He has also been a Certified Financial Planner CFP® since 2003. His strengths lie in developing dynamic and sound strategies for high net worth individuals with special detail for ongoing service. Ross looks forward toutilising
ROBERT ROSS
Rob has over 20 years experience in Finance and Industry and has enjoyed management roles in Banking and Funds Management in Sydney and London. In more recent years, Rob gained invaluable experience in comprehensive advice as the General manager of the family office for a wealthy family in Sydney. Rob established Ross Financial Advisers inMenu
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