Edition No. 22 | 21 November 2016

Financial Focus - Spring 2016

Welcome to Financial Focus - Spring 2016.

We hope you find the articles in this issue interesting and informative.

In this edition, we look at 5 cruise destination best seen by boat. We look at how to boost your confidence in retirement. Plus, 5 things you need to consider before changing jobs

Download and read Financial Focus - Spring 2016

If you have any comments, questions, or would like to speak with us to review your existing strategy, please call us on 03 9832 0768.

Regards,
Battistella Financial Services

5 cruise destinations you need to add to your bucket list

If a cruise holiday has never been high on your agenda, you may be surprised to hear that some destinations are actually best seen by boat.

Forget the increasingly impressive onboard experience that cruise ships now offer, these destinations have enough allure of their own to get you pulling those deck shoes on.

Still don’t believe us? Then you need to read on.

Financial advice boosts confidence in retirement

Seventy-seven percent of Australian pre-retirees who haven’t enlisted the help of financial professionals1 don’t feel prepared for retirement.

What is a Testamentary Trust?

Testamentary Trusts can save your family thousands in tax each and every year though income splitting opportunities and also provide a level of asset protection to benefit future generations.

It is for these reasons that Wills with Testamentary Trusts are recommended by many lawyers, accountants and financial advisors as an essential part of a properly considered and implemented estate plan.

In this edition

	5 cruise destinations you need to add to your bucket list
	Financial advice boosts confidence in retirement
	What is a Testamentary Trust?

Phone
03 9832 0768
Fax

Email
Email Us
Website
Battistella Financial Services
Address
Toorak Business Centre
Suite 217, 19 Milton Parade
Malvern VIC 3144

Julian Battistella, Cameron Blackwell and Battistella Financial Services Pty Ltd are Authorised Representatives of GWM Adviser Services Limited ABN 96 002 071 749, trading as Garvan Financial Planning an Australian Financial Services Licensee, Registered office at 105 –153 Miller St North Sydney NSW 2060 and a member of the National Australia group of companies.

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.