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Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 12pm

Australian Financial & Insurance Services

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Australian Financial & Insurance Services

We are a local, small family owned business located in Mernda. We develop personalized Financial Strategies to suit each individuals lifestyle

Australian Financial & Insurance Services is a small family owned business located in Mernda. Australian Financial & Insurance Services was established on the basis of that belief, to deliver tailored solutions that will achieve your financial goals. Everything we do is about that commitment - from understanding your financial needs - to the development of a close partnership and plan to successfu

lly achieve them. Australian Finance & Insurance Services is one of Melbourne’s lifestyle financial planning groups seeking strong ongoing relationships with their clients throughout every life-stage, giving us the experience, strength and commitment to be a dynamic force in the Australian financial advice market. Speak to one of our dedicated advisers, Patrick, Damian or Tracy Byrne with 45 years’ experience between them, available to work with you towards achieving your individual financial goals. We look forward to working with you.

14/07/2022

Does your employee pay your super?

The most common type of contribution regularly going into your super account is likely to be the Superannuation Guarantee – or SG for short – which is the contribution your employer (whether large or small) is required to make into a super fund on your behalf. The SG is part of the remuneration you receive from your employer. The amount is a percentage of your gross salary or wages. The percentage is set by the Australian Government and changes over time.

The percentage rate for Superannuation Guarantee contribution payments by your employer is currently 10.5%.

The SG increased from 10% to 10.5% on 1 July 2022 and is set to rise again to 11% on 1 July 2023 for the 2023–24 financial year. The SG percentage rate will continue increasing by 0.5% every year until it reaches 12% from 1 July 2025.

16/02/2022

To all our clients,

This is a post to notify you that our address has change to 20 Powlett Street, Mernda, 3754, VIC and our phone number has changed to (03) 8488 9248

11/02/2022

Superannuation, or 'super', is a part of your income your employer pays into a super fund. Your super builds up over your working life. You use your super money to live on when you retire from work.

Super is important because the more you save, the more money you will have for your retirement.

Send us a message today to discuss your super

04/02/2022

Whilst you may not care about retirement now, we can almost guarantee you that one day you probably will. This may happen when you start a family or just when you get older. So, don’t forget that your Superannuation is still your money, just like it is your money in a bank account. You have spent time learning to be more financially confident, so it is just as important to understand Superannuation and how to get the most out of it.

Send us a message today to discuss your superannuation.

22/12/2021

2021 has proved to be another whirlwind year, especially for those who were directly affected by Coronavirus. We hope that you have continued to stay safe and we hope that you were able to enjoy as much of 2021 as possible.

Our office will close for the festive period at 12:30pm Thursday the 23rd of December and will re-open January the 10th. If you have any urgent enquires or requests, you can email us at [email protected].

AFIS would like to thank our clients for their continued business this year. It has been a pleasure helping you all reach your financial goals and we look forward to continuing to help you on your financial journey in 2022.

We would like to wish you and your families a Merry Christmas and a healthy and prosperous new year!

03/12/2021

Total and permanent disability (TPD) insurance

A permanent injury or illness can make it difficult or impossible to return work. TPD insurance can provide a financial safety net to help support you and your family, and pay for medical and rehabilitation costs.

TPD insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.

Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either:

Your own occupation — you're unable to work again in the job you were working in before your disability. This cover is more expensive and is usually only available outside super.

Any occupation — you're unable to ever work again in any job suited to your education, training or experience. This cover is cheaper but has a higher threshold to claim, so it's less likely to pay out.

For more information, please send us a message today and speak to one of our financial advisers.

26/11/2021

Deciding if you need trauma insurance

When deciding if you need trauma insurance and how much, think about:

- How much income you and your family would need if you couldn't work for some time

- If you have income protection insurance or total and permanent disability (TPD) insurance, these can help replace lost income. You may hold these insurances through your super fund

- If you have private health insurance that could help pay for some medical expenses

- What support from family or friends may be available

If you need help deciding if you need trauma insurance and how much, speak to one of our financial advisers today.

19/11/2021

A critical illness or serious injury can make it difficult to continue to work. Trauma insurance can help support you and your family at this time and pay for medical and rehabilitation costs.

Trauma insurance, also called 'critical illness' or 'recovery insurance' pays a lump sum amount if you suffer a critical illness or serious injury. This includes cancer, a heart condition, major head injury or stroke.

Send us a message today to find out how you can take out some Trauma Insurance.

Address

20 Powlett Street
Mernda, VIC
3754

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 12pm

Website

http://www.afis.net.au/

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