Financial planning guides

Financial planning advice is "lifetime advice". To help you gain a general understanding of certain concepts and the application of simple strategies, we have developed a series of educational financial planning guides to help you through every stage of your life.

For more information, please contact your financial adviser. If you don't already have one, please call us on 1800 008 992 and we can put you in touch with a Wealth Managers financial adviser near you.

All guides have been reviewed and updated to reflect legislation current at 31 December 2011.


Name Format Size
Accessing your super PDF File (100.8 KB)
Account based Pensions PDF File (99.3 KB)
Aged Care PDF File (94.2 KB)
Calculating Centrelink payments PDF File (143.9 KB)
Capital gains tax PDF File (93.6 KB)
Choosing super PDF File (138.5 KB)
Consolidating super PDF File (98.7 KB)
Contributing to Super PDF File (131.8 KB)
Defined benefit schemes PDF File (73.2 KB)
Dollar Cost Averaging PDF File (154.5 KB)
Estate Planning PDF File (92.9 KB)
Facing a redundancy PDF File (98.0 KB)
Investment Risk Profiles PDF File (524.5 KB)
Life Insurance explained PDF File (93.9 KB)
Make your salary go further PDF File (111.8 KB)
Managing Debt PDF File (101.0 KB)
Managing longevity PDF File (163.0 KB)
Managing your Personal Risk PDF File (92.7 KB)
Model Portfolios PDF File (91.8 KB)
Nominating reversionary beneficiary PDF File (108.3 KB)
Package Super Pay Less Tax PDF File (92.5 KB)
Risk versus Return PDF File (129.4 KB)
Salary Sacrifice or government super co-contribution PDF File (105.6 KB)
Salary Sacrificing Into Super PDF File (90.0 KB)
Saving & Investing PDF File (95.8 KB)
Self managed super PDF File (93.6 KB)
Splitting superannuation contributions PDF File (94.1 KB)
Super understanding the basics PDF File (100.0 KB)
Transition to retirement PDF File (113.8 KB)
Understanding Centrelink payments and entitlements PDF File (139.8 KB)
Understanding gearing PDF File (94.7 KB)
What is a Binding death benefit nomination PDF File (87.9 KB)
What is a re-contribution strategy PDF File (94.0 KB)
What is an Annuity PDF File (75.4 KB)