Category Archives: Articles


2016 Federal Budget Analysis

Submitted by on Wed, 04/05/2016 - 15:03
Play the video below for the MLC analysis of the 2016 Federal Budget. For further information and a copy of our 2016 Budget Summary Analysis simply click here.

The importance of Retirement Planning

Submitted by on Thu, 05/02/2015 - 9:14
Retiring from the paid workforce is one of the most important life changes most of us ever make. So why aren’t more Australians better prepared? Here are some issues to think about and steps you can take to become truly retirement ready, so you can enjoy the lifestyle you’ve been looking forward to. Retirement is Continue Reading

Free Home Loan Review and Enquiry

Submitted by on Thu, 29/01/2015 - 2:08
      There is no time like the beginning of a New Year to conduct a review of your existing Mortgage or talk with a Mortgage Broker about the possible purchase of your first home, a new home and or an investment property. By talking to one of our affiliated Mortgage Brokers they will Continue Reading

Our Uninspiring Political Parties & Government Leaders

Submitted by on Wed, 21/05/2014 - 15:17
This rant is not about any Australian Political Party in particular more of a general observation but I do think our last government did an extremely poor job. I was happy when we realised our last change in government hoping that things would be for the better, but seriously the current government sabotaged themselves before Continue Reading

Cheaper Life & TPD Insurance through Super

Submitted by on Tue, 20/05/2014 - 14:19
Did you know you can save money by buying your insurance in super? This is because super can offer both cash-flow benefits and tax concessions. Most super funds offer insurance that can help you, or your dependants replace your income if the unexpected was to happen. This includes Life, Total and Permanent Disability (TPD) and Continue Reading

Biggest Tax Free Income Opportunity a miss!

Submitted by on Sun, 18/05/2014 - 17:24
It alarms me when I think about how many prospect clients I’ve seen over the years that were not aware of some common strategies that could save them significant tax and increase their retirement savings. Even after telling many of these  prospect clients what the benefits are, how it may work, and the fact they Continue Reading

Hidden Tax Increase for Pre-Retirees

Submitted by on Fri, 16/05/2014 - 14:18
With the announcement of the 2014 Budget on the 13th of May it’s highly likely we will all be paying more tax in some shape or form with some significantly more than others. • For those that earn in excess of $180,000 it means a 2% increase in income tax (Budget Repair Levy) on the Continue Reading

Retirement Income Planning and Risks

Submitted by on Thu, 15/05/2014 - 10:13
Most people don’t consider the various risks associated with retirement income planning such as sequencing, longevity, inflation, consumption and execution risks. We have provided you with a series of videos with Moshe Milvesky a Canadian Finance Professor that has conducted much research and is considered to be a specialist in this field to walk you Continue Reading

2014 Australian Federal Budget

Submitted by on Wed, 14/05/2014 - 11:15
In one of the more highly anticipated Federal Budgets, the Government announced major changes that could warrant a review of your financial plans. Note: These changes are proposals only and may or may not be made law. The following Federal Budget Analysis prepared by GWMAS trading as MLC Technical appears below. Summary • A Temporary Continue Reading

Gold Coast Mortgage Broker & Home Loans

Submitted by on Mon, 14/04/2014 - 15:38
Integral Financial Planning is located on the Gold Coast and we partner with some of the most experienced mortgage brokers in the industry. Our purpose is to serve and provide, trustworthy, effective and reliable advice to our clients. For this reason we have sourced similar like minded brokers to look after our clients lending needs Continue Reading

Financial Planning for Young Families

Submitted by on Wed, 15/01/2014 - 13:55
For most young families consulting a Financial Planner or Adviser is usually placed on the back burner as they feel they are not in a position to do anything or pay for advice. Unfortunately not getting financial advice at this stage in your life can be costly. There are so many important areas to consider Continue Reading

Financial Planning Priorities

Submitted by on Thu, 09/01/2014 - 14:24
The beginning of a new year is the perfect time to review all your personal financial and legal affairs. You really can’t expect to be a winner if you simply fail to plan! Why not start the year off on a positive note and attend to all those important matters that you keep postponing and Continue Reading

Building Wealth via Debt Recycling

Submitted by on Tue, 26/11/2013 - 18:15
What are the benefits? By using this strategy, you could: • Replace inefficient debt with efficient debt on a regular basis, and • Establish an investment portfolio to build your long-term wealth. How does the strategy work? While it’s important to reduce inefficient home loan debt as quickly as possible, it’s also important to build Continue Reading

Managing Job Redundancies

Submitted by on Tue, 01/10/2013 - 23:29
If you are leaving your employer due to redundancy, you have a great opportunity to make a fresh start. You could work for a different organisation or pursue a different role in the same industry. You could even think about a carer change, become self employed or consider retiring. Regardless of what your next steps Continue Reading

Economic Update for August 2013

Submitted by on Mon, 19/08/2013 - 15:08
Update was prepared on the 8th August 2013 by Ben McCaw, an MLC Portfolio Manager This month Ben discusses a number of different areas: Why both shares and bonds rose over during the month What factors kept the Australian dollar moving downwards How there are signs of recovery in the US, Europe and Japan, and Continue Reading