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									SUDDEN	                                LIFESTYLE                                                              ESTATE	PLANNING

                                           	 Consider	outsourcing	some	of	your	                                    Review your will to ensure it is still
                                             financial administration and household                                relevant and adequately protects your
                                             chores to free up your leisure time.                                  loved ones
Receive an inheritance,                     Consider your living options and whether                               Make sure relevant people in your family
win lotto                                   you want to change your home                                           know the names and addresses of your
                                            Consider setting up education funds to                                 professional advisers and where to find
Life is complicated. You can control        help your grandchildren                                                your will
and plan for some things, but others        Start thinking about if and when you would                             Consider setting up a trust to 	
just creep up on you suddenly from          like to retire and what you would like to do                           protect your family’s inheritance and
behind. But the more you plan                                                                                      minimise tax
the easier it is to deal with those    INVESTMENTS
unexpected complications. Here are          Review your financial planning goals and
some things to think about at this          attitude to investing                                                  Review your insurance needs relating 	
stage of your life.                                                                                                to debt and regular repayments
                                            Look at additional investment options and
                                            strategies to minimise tax                                             Review your personal insurance needs
                                                                                                                   such as
                                       SUPERANNUATION                                                         	         Life insurance
                                            Review your retirement options                                    	         Total and permanent disability
                                            Review your super strategies such as                                        insurance

                                       	         Spouse contributions                                         	         Trauma insurance

                                       	         Salary sacrifice                                             	         Income protection insurance

                                       	         Self-managed super
                                                                                                              GIVING BACK
                                            If you have more than one super fund,
                                                                                                                   Think about whether you would like to
                                            think about consolidating all your super
                                                                                                                   make tax deductible charitable donations
                                            into just one fund for more control and to
                                                                                                                   or set up a charitable trust or scholarship
                                            potentially save on fees

                                       Important note: This information is of a general nature only and is not comprehensive. It is not intended to be investment, legal or
                                       taxation advice. Before acting on any of the information you should consider its appropriateness to your personal objectives, financial
                                       situation and needs and seek professional advice where appropriate. Issued by the Trust Company Limited ABN 59 004 027 749.
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For over 120 years, generations
of Australians have relied on the
financial expertise of Trust.
We believe that every aspect of
personal finances needs to be
considered together. That’s why
we provide a comprehensive
range of financial and associated
services to help you throughout
your life. Each of our businesses
works closely together to make
sure that you get the most value.
With Trust you also have the
freedom to pick and choose
whichever services you              Make a difference                                Let us help with the administration	
need at any time. As your life      Trust Philanthropy Services has a long and       of your affairs
changes, you can adapt our          proud history of helping Australians give back   Let Trust Lifestyle Care (TLC) power of
support to meet your changing       to their community and the environment through   attorney services help you keep on top of
requirements.                       bequests and charity donations. Let us help      your personal and financial administration
                                    you incorporate philanthropy into your overall   affairs when your time and circumstances
                                    wealth strategy.
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                                                                                     relocation support and more.
for	you                             Build and protect your wealth
                                    Whatever you want in life, Trust Financial       Give loved ones in need the
Phone 1800 622 812	                 Planning offers comprehensive advice to help     assistance they wish for
Email	            you get there. Contact us for assistance with    We understand the importance of
Visit              your share investments, retirement planning,     improving the quality of life for loved
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                                    Planning help you with your will, estate         Trust Funds Management for a range
                                    planning, power of attorney, asset protection    of managed funds to enable you to put
                                    and more.                                        together a diversified portfolio.

                                    Get the assistance you need during 	
                                    a difficult time
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                                    the burden of decision-making when a loved
                                    one passes away. Contact us for professional
                                    estate, executor, trustee and asset protection
                                    help when you need it.

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