http://www.mercurywealth.com.au/ Financial planning is the process of meeting your life goals through the proper management of your finances. Your financial independence and future quality of life are vital issues that should not be left to chance. We understand this and can help you secure your future by providing tailored financial strategies designed to create and preserve wealth.

1. Mercury Wealth Management: Financial
Planner Melbourne
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Insurance
We make sure you and your family are
protected against life’s misfortunes.
Superannuation
We can assist you to save tax and have
more super at retirement.
Investment
We can help you to grow your wealth
and realise your financial dreams.
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2. Retirement
We can help you retire when you want
on the income you desire.
About Mercury Wealth Management
Company Directors automatically liable – legislative changes to SGC
regime before parliament.
The government recently introduced tax legislation which is designed to protect
workers superannuation and prevent the establishment of ‘phoenix companies’
which are deliberately designed to defraud workers of their entitlements.
Importantly directors will be personally liable for their company’s failure to pay
Super Guarantee Contributions (SGC)
The ATO will be able to make an estimate of unpaid SGC where a company fails to
meet its reporting obligations.
What is interesting is that the ATO will be able to commence recovery procedures
and pursue company directors if a company fails to comply with its reporting
obligations for a period of more than 3 months and its PAYG or SGC liability
remains unpaid.
Now more than ever company directors need to ensure that they pay both their
SGC and PAYG on time to avoid fulling fowl of the new rules.
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3. good investments, your wealth will certainly
Avoid Risk by Having an increase. Depositing them in the bank may
Effective Financial not be enough. You need to look for other
beneficial ways on how to grow your
Planning current savings.
Rich people can effortlessly buy the things Why not put up a business so that your
they want. Having a lot of money can make money will be multiplied? If you don’t have
someone’s life convenient and free from any experience in managing a business,
monetary dilemmas. Indeed, money is such then you must seek advice from a skilled
a powerful tool that everybody wants to financial consultant. You should be afraid to
have. If you have plenty of cash in the bank, invest your funds in a certain enterprise
then you do what you want with ease. But if because there is someone who could help
you don’t know to properly manage your you to properly manage your capital. Hiring
wealth, then someday you will just be someone who can give an assurance in
surprised to know that your funds have delivering economic security is always a
drifted away from your hands. So the right good decision to make.
thing for you to do is to have surefire
strategy to protect your wealth. Look for Don’t just keep your money in the bank
the systematic financial planning which is because there are many ways on how to
augment its value. Have a proper capital
offered by a professional accountant or an
allocation with the help of an accountant or
independent finance consultant. a finance consultant whom you can trust.
Financial advisors help individuals to reach
Your hard earned money must be secured
their goals by providing them the best
at all times so that you will have something option regarding fiscal management. This
to use whenever you need it. It is crucial to way, the risk of losing your money will be
dig hard so that you will continue to live a greatly reduced.
life with abundance. It is enjoyable to live a
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and health insurance is also beneficial to
you and your family. These are favorable
options that worth considering.
By using effective financial management,
your dreams and future plans will surely
come into reality because you know how to
take care and grow your assets. By having
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4. Different Financial Services Apart from loans, there are several banking
establishments who would also provide
Offered in Banks investment service to their clienteles. This type
of offer is going to give people a chance to allow
We can never deny the fact that in almost every
the value of their money to grow by investing
aspects of our living, money is always an
them in shares as well as in the stock market. In
indispensible matter. For this very reason, there
order to be safe, beginners are highly advised to
a lot of individuals tend to work their double
start investing in stocks or companies in which
time in order to earn an ample amount of
they are familiar with. The growth may be slow,
income that would sustain their present and
but the client is going to have an assurance that
future needs. Due to the fact that a lot of these
his investment is not going to plummet in the
men and women are very busy with work and
drain.
other responsibilities, a majority of them would
more often than not rely on financial services in These are only a few of the many other
order to deal with their monetary assets. monetary services these financial institutions
provide. In addition to this, bankers would often
Businesses that deal with money management
time use jargons that may sound alien to
are often times offered by financial
ordinary people. For this very reason, it is going
establishments. The most common one would
to be advantageous if a person should first seek
be government and private banks. Basically,
assistance from financial advisers. These
these organizations function as a shelter and
professionals are often times found in banks in
secure place for men and women to keep their
order for the clients to easily seek proper
financial savings. These institutions would then
consultation.
invest the pooled cashes from their clients to
different markets. Likewise, the banks would in
return give their customers a little interest for
their checking or savings account as a form of Talk To One of Our
payment. Advisers Today
In addition to this, these fiscal organizations (03) 9326 1722
also provide other financial services. Probably
the most common service they provide would
be their loaning packages wherein they allow
interested men and women to borrow a certain
amount of money from them. On the other
hand, people cannot simply avail this type of
service due to the fact that banks have set a list
of requirements and qualifications. These set of
pre-requisites will serve as a protection for the
fiscal institutions and their employees.
Financial Advisers- Practical Tips to Save Money
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5. Financial Advisers- Practical Tips since you will be able to set aside a fixed
amount for this.
to Save Money
Managing monetary assets may sound
pretty a uncomplicated perception. On the 3. Know how much you are willing to save
other hand, it is not as simple as it appears and tick to it. If you wish to save money
to be, most especially for the young earning efficiently, a lot of financing gurus would
members of the society. Financial advisers more often than not suggest to their clients
are professionals, who provide different to come up with a particular percentage of
products and services, to these men and your salary that you are willing to set aside.
women in order as a form of assistance to This percentage does not necessary have to
manage their savings in an efficient be fixed since you have the freedom to
manner. Find below is a list of simple tips adjust it every once in a while. Keep in
that are greatly recommended by a mind, though, that your main goal is to save
majority of these fiscal experts for effective and not spend.
money handling.
3. There are a couple of individuals who
1. In order to save cash, the first and would sometimes keep what is left from
probably the most important thing that you their salary after a day of splurging in the
should do is to be aware of your income banks. Money experts do not advice this
every month. In order to determine this, practice since it is not helpful in attaining
you have to make use of your pay stubs in your main objective to save. Rather, experts
order to get the average of the total who give financial services highly
amount of money you earn on a monthly recommend a balance formula that will
basis. The reason as to why financial help individuals to allocate their savings and
advisers would like you to be aware of this expenses accordingly. This formula would
is due to the fact that it is going to help you be thirty fifty percent needs, thirty percent
know your limits when it comes to your wants, and twenty percent savings. This
expenditures. scheme is very effective if you want to save
big; but if you are a big spender, then self-
2. Figure out your list monthly expenses. discipline is going to be very important.
When we say list monthly expenses, we are
talking about the invoices and bills you get
every end month. This would normally
include utility bills and loans. Grocery needs
and medical maintenances, if you have one,
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are also included in this list. Determining Advisers Today
the average of your overall expenses for (03) 9326 1722
these necessities is greatly recommended
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