Roger Perrett - Top 50 Financial Adviser Australia

Could you receive an #Inheritance?

7 Things You Must Know About Estate Planning to Avoid Stress & High Costs

Receiving (and giving) an inheritance is an incredible gesture — it can transform someone’s life and shape a family’s future.

And sometimes, we may need to gently help our parents create a proper estate plan too.

The challenge is ensuring gifts:
✔ Go to the intended beneficiaries and stay within the family line
✔ Are protected from legal risks, including relationship breakdowns
✔ Are transferred in the most tax‑effective way

That’s why we created a 7‑Step Methodology to give families Certainty & Peace‑of‑Mind.

1. Create Your #Ideal Gifting Plan

Think about whether gifts should be made during your lifetime or after you pass away.


2. Consider #PlanB

If a beneficiary passes away before or at the same time as you:
• Do adult children receive equal shares?
• What if you have a business that’s difficult to divide?
• What if you have an estranged child?


3. Consider #Risks

Potential risks include:
• Your Will being contested
• Your beneficiary facing future legal issues — e.g., a child divorcing and part of their inheritance going to an ex‑partner


4. Consider #Tax

Tax matters, especially with super:
• Super can be tax‑free — a powerful opportunity
• But a potential death tax applies when super goes to adult children


5. Complete a #Superannuation Beneficiary Form

It’s not as simple as ticking a box. The nomination type you choose can significantly affect tax and certainty.


6. Consider #GiftingSpecificAssets

Strategic gifting can reduce tax.
Example: Because of death tax rules, super may be better left to a partner, while other assets go to adult children.


7. Consider #WhoCanAct

Who manages your affairs if you’re overseas or unwell?
• You may need an Enduring Power of Attorney or Guardianship
• If you have trusts or companies, who becomes the Trustee or Director?


If you found this helpful, please like to help others too.

#Certainty #PeaceOfMind #Inheritance #Wills #EstatePlanning #WealthCreation #FinancialAdvice #RetirementPlanning

1 day ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

I jotted down some of our client results — and you might be surprised by what they achieved (especially #3!).

Here’s what clients accomplished across our 7‑Step Wealth Creation Framework:

📝 Step 1 – Create Plans
• David & Tracey now enjoy regular world trips, especially Italy.
• Peter achieved his dream and retired.

What would you love to achieve?


🚀 Step 2 – Generate Income
• Sarah now receives $100,000 p.a. tax‑free from a $1.9M investment.
• Vanessa discovered she could retire comfortably without running out of money.
• Mark avoided selling investments during downturns to fund income.

Happy days!


📉 Step 3 – Minimise Tax
• Paul received a $70,000 tax refund and boosted savings by $140,000.
• Louise increased her super contributions—even after inheriting a large benefit.
• Tom & Joan made a tax‑free $300,000 investment from selling their home.

Paul was very pleased!


🔄 Step 4 – Optimise Debt
• Paula saved thousands by prioritising repayments.
• Peter used debt strategically to build retirement wealth.
• Brett & Vanessa saved $10,000 per month by halving their after‑tax interest rate.

Yes—$10,000 every month!


📈 Step 5 – Invest Wisely
• Rob & Susan aligned their Super to a risk level they both felt comfortable with.
• Mark & Lisa invest across multiple entities with one consolidated risk profile.
• Neil & Rebecca invested the proceeds from their business sale and now fund their retirement lifestyle.

Performance with peace of mind!


🔒 Step 6 – Protect Assets
• Clara protected her daughters’ multi‑million‑dollar inheritance.
• Brett, diagnosed with cancer, received a large insurance payout he didn’t know he could claim.
• Leonie saved 25% annually on life insurance premiums.

Delivering Brett’s cheque felt amazing.


❤️ Step 7 – Make Gifts & Create an Inheritance
• Justin saved up to $60,000 in death tax for his adult children.
• Michelle’s daughter received a $95,000 refund when her mother passed.

Beautiful extra gifts.

💡Which story resonates with you?

Want to see what opportunities are available for you? Click the link to get your personalised report!
scorecard.retirewithroger.com.au/main/p/v3

3 days ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

I recorded why people see me and it may surprise you what they said!

These are actual quotes from first meetings and initial phone calls, that I recently recorded in my file notes.


🚀“I am financially savvy, but I feel there is no way I can keep up with the opportunities and risks.”

- Successful investor and led Private banks throughout the world.


💖“I am scared that I will make a mistake. My sister took some advice from a friend what initially appeared pretty harmless, and it ended up costing cost her hundreds of thousands of dollars”.

- Career banker


🚀“I want to enjoy myself and not spend my spare time researching where to invest.”

- Business owner


💡“I’m nervous about getting this right”.

- Professional


🎯“We want to be on the right track and have the right plan.”

- IT professional


🔥“I have realised now that I need advice.”

- Property investor with 10+ properties


💡“I have realised over the years that you don’t know what you don’t know.”

- Business owner


I thought the exercise was really interesting and please let me know which response resonated with you.

If you would like to have a Great Retirement Lifestyle – click the link to see how you are placed.
scorecard.retirewithroger.com.au/main/p/v3

5 days ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

What You Must Know About Tax Free Investing!

I reveal in a short two-minute video, how you do not have to pay tax for the rest of your life - which could be for 20+ years!

The challenge is that it can be tricky to understand.

I explain very simply, with drawings:
1. About the tax-free opportunity,
2. How superannuation works, and
3. Why superannuation is very important to be part of your wealth creation and retirement strategy.


Let me know if you like the drawings, as I find seeing things visually can make things easier to understand too.


I hope this helps and saves you thousands,
Roger

PS. It’s important to obtain personalised financial advice, as there are plenty of things to consider, as well as other strategies to benefit from.

#Investment #Retirement #Superannuation
#RetirementPlanning #FinancialAdvice

1 week ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

There’s a strong chance this story may be very relevant for you. This could happen to any of us at any time.

My new client Colin mentioned his Mum may soon be unable to manage her #financialaffairs. She was recently diagnosed with early-stage Dementia.

For you and your family, life may throw another illness or an accident. It may not be dementia — but the emotional weight is similar, and #financialissues can compound the stress.

In today’s video, I explain:

1) The consequence if you or your parents can’t manage money

Bills, medical expenses and daily payments can’t be handled. Delays cause problems fast.


2) The solution

The good news? This can be avoided.

It’s important for ALL of us to prepare an Enduring Power of Attorney (POA) while we’re healthy. A POA allows someone you trust to manage your affairs if you’re unable to. You can choose one or multiple people — your kids or family members.


3) Another benefit

If you like travelling, a #POA helps too.

Australian financial advisers legally cannot provide advice while you’re overseas. But if someone in Australia holds your POA, issues can be handled instantly.


4) The cost

A POA typically costs only a few hundred dollars — small compared to the problems it prevents.


5) The outcome

Colin’s mum created her POA before her health declines.

No one wants to see loved ones lose capacity, but in this case, a potential financial disaster was avoided.

I hope this story helps you and your family too.


If you’re time‑poor, outsourcing is a smart move. DM me and we can make the process smooth and fast, including referrals to an #EstatePlanning specialist.

If your goal is to have the time of your life in retirement, take our quick 3‑minute scorecard and instantly receive a personalised report.

Uncover opportunities and risks you may not have considered:
👉 scorecard.retirewithroger.com.au/main/p/v3

PS. An “Enduring POA” simply means the document remains valid even if you lose capacity.

1 week ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

I didn’t expect this… Yesterday’s client call revealed something important.

We all know a share market correction is happening.

One of my most experienced investing clients asked me, “Is it different this time?”

I also answered this on live TV with Andrew Geoghegan at ausbiz

What I realised is that the pattern during market corrections is almost always the same:
😲 Initial Shock
🤔 Trying to make sense of what’s happening
😬 Believing “this time is different… I’ll lose money”
😕 Because it’s hard to see how the issue will be solved.

The good news?
😌 The outcome has always been the same.

Markets recover. Balances recover.

They always have.

Despite corrections caused by different problems — September 11, the Global Financial Crisis, the COVID correction — the outcome was the same:

Investors recovered and continued upward.

Humans solve problems.

Markets reflect that.


1) What shouldn’t you do?

Many people try to “time the market.”

Sell at the top, buy at the bottom.

It’s impossible because you must be right twice — when you sell, and when you buy back in.

Investing is like a rollercoaster:

The first big dip feels scary.
Jumping mid‑ride hurts.
Staying buckled in leads to a better outcome.

Future rides get easier.


2) So what should you do?
You have three realistic options:

a. Sell?
Only if your financial situation has changed.

b. Hold?
History rewards patience.

c. Buy?
If you have cash, consider investing in parcels:

If markets rise — you feel smart.
If markets fall — you also feel smart buying at a discount.


3) And how do you stay sane?

Don’t check balances daily
Stick to your strategy 🎯
Talk to a trusted adviser


DM or call me if you want to talk things through.


PS: Since writing this, the US market (S&P 500) jumped 9.52% in a single day!

If your goal is to have the time of your life in retirement, please tap the link in my bio for the Retirement Ready Diagnostic.

You’ll instantly get a personalised report showing opportunities & risks you may not have considered.

1 week ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

I met an Executive last week to discuss #investing — and you’d be surprised by his concerns:

1. Doing more admin (his #taxreturn is always late)
2. Losing control of his #money — he likes being involved in #decisions
3. Being told to sell his employer-issued #shares


These worries are common, but honestly, they’re outdated.

Thankfully, modern #InvestmentPlatforms take most of these concerns away.


In the video, I cover six things I love about using investment platforms:


1. Select #Investments

Instead of choosing across different “brands,” you get access to a wide range of quality investments.

We can provide recommendations since this part can be tricky.

Some platforms only offer their own options, which is fine—unless performance drops.

Using a platform with broader choice gives more flexibility.


2. Comes with a #Bank account

Perfect for contributions and income from investments.

Withdrawals can also be automated, reducing admin.


3. Switch investments anytime

If we need better performance, we can switch investments for you.


4. #Administration & #tax reporting done for you

No more collecting dividend or interest statements.

SMSFs can have direct data feeds into your accountant’s software.


5. Monitor #performance easily

With super and investments all in one place, it's simple to track progress.

Clear charts help you visualise growth over time.


6. #InternetBanking-style features

Arrange your own withdrawals for living expenses—especially in retirement.

No forms, no call centre queues.


There are a few considerations like admin fees, transaction costs, and capital gains tax, which we can walk through together.

The good news? I put the Executive’s mind at ease — and hopefully yours too.


------------------------------------------------------------------------------------------------------------------
If your goal is to have the time of your life in retirement, please tap the link in my bio for the Retirement Ready Diagnostic.

You’ll instantly get a personalised report showing opportunities & risks you may not have considered.

1 week ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

How To Create Significant Wealth (without worrying about market downturns).

I share my thoughts and our investment framework with Nadine Blayney.


In summary:
+ It has been a great 12-month performance with many Balanced funds achieving 12%+ up until 31st July 2024.*
+ Recently we experienced the largest correction since 2020.


Our Success Framework for Investors:


1. Invest aligned to your #goals. For example, your goal may be to:
+ Exceed inflation,
+ To meet a retirement income value or,
+ A long-term average performance target.


2. Invest aligned to your risk profile and timeframe.
For peace of mind, understand:
+ What is the long-term average performance target for your portfolio?
+ How often will I receive a negative return?
+ How large is the average and potential worst-case correction?
+ Corrections are normal and should be expected.


3. Use investment principles such as:
+ #Diversification - investing in numerous asset classes and strategies.
+ #Liquidity ensuring there is a cash buffer for withdrawals, especially for retirees needing to access money.
+ Hold your nerve, avoid selling in downturns and focus on the long-term.
+ For buying #opportunities, consider using a dollar cost averaging strategy and invest in tranches over time, rather than in one lump sum.


Please reach out if you need support and #Financialadvice.

Thank you to Nadine Blayney and Olivia Grace-Curran from ausbiz, for inviting me as a regular guest on the show.

______________
Disclaimer
*Past performance is not an indicator of future performance. Performance example - Mercer Indexed Balanced 12-month performance as at 31/7/2024 was 12.85%. lnkd.in/gbYvaX8S

If your goal is to have the time of your life in retirement, please tap the link in my bio for the Retirement Ready Diagnostic.

You’ll instantly get a personalised report showing opportunities & risks you may not have considered.

2 weeks ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

It was great to be on #LiveTV to discuss the 7 Steps to #CreateWealth, for a Great #Retirement #Lifestyle.

Creating Wealth can be complex and confusing. There is:
- #Investment uncertainty,
- Ever changing legislation and often a
- Lack of time & #interest

This short video will breakdown the 7 Steps in a simple way.
1. Create Exciting Plans
2. Generate #Income
3. Minimise #Tax
4. Optimise #Debt
5. #Invest Wisely
6. Protect #Assets
7. Make Gifts and Create an #Inheritance

Follow these steps for a Great Retirement Lifestyle.

A big thank you to Nadine Blayney and Olivia Grace-Curran from ausbiz for inviting me on the show.

If your goal is to have the time of your life in retirement, please tap the link in my bio for the Retirement Ready Diagnostic.

You’ll instantly get a personalised report showing opportunities & risks you may not have considered.

2 weeks ago | [YT] | 0

Roger Perrett - Top 50 Financial Adviser Australia

#TaxSavings are NOT Just for the Experts! Here is an Opportunity for Your Retirement Planning, That Can Save You #Thousands!

The opportunity exists if there is an #AgeGap between you and your partner. (I guess it’s rare that you are born on the same day 😊)


#1 To start with a recap – A major benefit of superannuation, is that there is no tax on the investments, when you reach retirement. Yes, ‘No Tax’ and this is worth emphasising. For example,
+ There is #ZeroTax (0%) on interest, dividends and rent.
+ There isn’t even Capital Gains Tax (#NoCGT).


#2 The principle is that we want to move as much money in super, to the person who will reach the zero (0%) tax rate, the fastest.

Generally, this is moving superannuation from the youngest person to the oldest person. However, it could mean moving superannuation to a non-working spouse or, to the partner who is most likely to retire first.


#3 We can transfer funds between a couple, based on what has been contributed to super.


#4 There are two (2) ways to contribute to super. We can only transfer the deductible contributions to/from your partner:

1. #TaxDeductible contribution– Say a super contribution from a company as part of your employment or, perhaps salary sacrifice or, where you contribute personally and claim a tax deduction. We can transfer these contributions.

2. #NoTaxDeduction is claimed – say a contribution from your bank account.


#5 Because 15% tax has been deducted from the deductible contributions, 85% of the prior year contributions can be switched to/from your partner.


PLUS - This strategy may not be simply about tax too. Perhaps you want to use super to #reducedebt and this strategy can reduce your debt faster. We can use this opportunity to achieve several great outcomes.


Consideration should be made to the long-term impacts, as well as other contribution rules. Contact us to today to discuss how this strategy could work for you.


I hope this helps,
Roger


PS. Please ‘Like’ if this post was valuable and to help your colleagues too.

If your goal is to have the time of your life in retirement, please tap the link in my bio for the Retirement Ready Diagnostic.

2 weeks ago (edited) | [YT] | 0