Welcome to Todd Minerals and Coal This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features

Welcome to Retail Apparel Group This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features of

Welcome to Ross Brown Sales This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to your Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features of

Welcome to BBI This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features of your Superannuation

Welcome to Evolution Mining (Cowal) Pty Ltd       Below is some important information about the Group Salary Continuance Policy which is managed by Horizon Wealth Management (“Horizon Wealth”). You should note that Evolution Mining – Cowal offers and pays for Salary Continuance insurance for permanent staff (including any contractor) working 15 hours or

Welcome to Swaab Attorneys     Below is some important information about the Group Salary Continuance Policy which is managed by Horizon Wealth Management (“Horizon Wealth”). You should note that Swaab Attorneys offers and pays for Salary Continuance insurance for permanent staff (including any contractor) working 15 hours or more per week. This is an extremely

Welcome to Evolution Mining (Mungari) Pty Ltd Below is some important information about the Group Salary Continuance and Life and TPD Policies, which are managed by Horizon Wealth Management (“Horizon Wealth”). You should note that Evolution Mining – Mungari offers and pays for Life, TPD and Salary Continuance insurance for permanent staff working 15 hours

Welcome to Harmers Workplace Lawyers This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Firm. Horizon is the appointed Financial Adviser to both the Firm Superannuation Fund and Group Salary Continuance Plan. Horizon’s role is to provide you with: Education This

Welcome to Lynas This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features of your Superannuation

This is just a short note to explain who we are at Horizon Wealth Management (“Horizon”) and the services we provide to the Company. Horizon is the appointed Financial Adviser to the Company Superannuation Fund. Horizon’s role is to provide you with: Education This includes education on the features of your Superannuation Fund together with

Financial Advice “Good investment returns are one thing, but what really matters is how much of that you get to keep.” Horizon Wealth Management will assist you in the efficient management of your personal wealth, helping you become financially independent. Financial independence doesn’t happen by accident. At Horizon Wealth Management we help you become financially

Life and TPD

Salary Continuance

Features and Benefits Salary Continuance Insurance Harmers Workplace Lawyers recently undertook a review of its existing Group Salary Continuance policy with AMP. This is similar to the review undertaken with Superannuation. As a result the decision was made to upgrade the existing policy with AMP. This cover is available to all permanent staff including permanent part timers

Features and Benefits Salary Continuance Insurance Swaab Attorneys offers Salary Continuance insurance to all permanent staff (upon commencement of employment) working 15 hours or more per week, at no cost to employees. The insurance is provided through Hannover Life, which means that there is generally no direct correspondence with the employee unless the employee is

Features and Benefits Life and TPD Evolution Mining Mungari offers Life and TPD Cover to all permanent staff (upon commencement of employment) working 15 hours or more per week, at no cost to employees. The insurance is provided through MLC, which means that there is generally no direct correspondence with the employee unless the employee

Features and Benefits Salary Continuance Insurance Evolution Mining Mungari offers Salary Continuance insurance to all permanent staff (upon commencement of employment) working 15 hours or more per week, at no cost to employees. The insurance is provided through MLC, which means that there is generally no direct correspondence with the employee unless the employee is

Features and Benefits Salary Continuance Insurance Evolution Mining Cowal offers Salary Continuance insurance to all permanent staff (including any contractor) working 15 hours or more per week, at no cost to employees. This is an extremely generous benefit as income protection insurance premiums bought individually are normally very expensive. The insurance is provided through OnePath,

Increasing Cover What must I do now? If your base salary is less than $71,006 pa there is no need to do anything. If your base salary is more than $71,006 pa and you wish to bring your insured benefit amount in line with your current earnings, you may need to provide health evidence to AMP who will advise

Increasing Cover What must I do now? If your base salary is less than $192,000, there is no need to do anything. If your base salary is more than $192,000 pa and you wish to bring your insured benefit amount in line with your current earnings, you need to complete the Personal Statement and submit to MLC.You may also need to

    Increasing Cover What must I do now? If your base salary is less than $200,000, there is no need to do anything. If your base salary is more than $200,000 pa and you wish to bring your insured benefit amount in line with your current earnings, you need to complete the Personal Statement and submit to

Increasing Cover If your base salary is less than $247,059 pa (for Categories 1 and 2) and less than $280,000 pa (for Category 3) there is no need to do anything. If your base salary is more than $247,059 pa (for Categories 1 and 2) and more than $280,000 pa (for Category 3) and you wish to bring

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Leaving the Company You have the option of converting your Company’s Salary Continuance Policy to an individual policy so as to retain your existing benefits. In this regard, you have 60 days from the date of leaving the Company to exercise your continuation option. Please note that certain conditions apply including being gainfully employed at

Leaving the Company You have the option of converting your Company’s Salary Continuance Policy to an individual policy so as to retain your existing benefits. In this regard, you have 60 days from the date of leaving the Company to exercise your continuation option. Please note that certain conditions apply including being gainfully employed at

Leaving the Company You have the option of converting your Company’s Life and TPD Policy to an individual policy so as to retain your existing benefits. In this regard, you have 60 days from the date of leaving the Company to exercise your continuation option. Please note that certain conditions apply including being gainfully employed

Leaving the Company Here is a checklist of items that you need to consider when you leave Evolution Mining. Benefits when you leave the Company You have the option of rolling your Company’s Salary Continuance Policy to an individual policy so as to retain your existing benefits. In this regard you have 60 days from

Salary Continuance Forms AMP – PDS Request to Increase Insurance  

Salary Continuance Forms   Request to Increase Insurance  

Salary Continuance Forms Request to Increase Insurance OnePath Product Disclosure Statement  

Superannuation Forms     CFS Employer Super – PDS Beneficiary Nomination Election to keep insurance for low balance or inactive account Election to keep insurance for low balance account Super Consolidation Insurance Booklet Investment Options Menu Investment Selection Form (members post June 2013) Investment Selection Form (members pre June 2013) First Benefits  

  Colonial First Choice Performance    

  MLC Business Super Performance    

BT Performance BT Commentary

Consolidation Why consolidate your Superannuation? If you have a Superannuation account from your previous employer or other Superannuation that has been set up during your working career, you may wish to consolidate them into the Company’s  Superannuation  Fund. There are benefits to consolidating your Super, which include: Avoiding multiple administration fees Reducing your paperwork – there is less

Consolidation Why consolidate your Superannuation? If you have a Superannuation account from your previous employer or other Superannuation accounts that have been set up during your working career, you may wish to consolidate them into the Employer Super Fund. The benefits include: Less administration hassle in managing a single account, Combining your funds into a

New Retained Benefits feature for your super account Colonial First Choice have introduced a new feature to your super account called ‘Retained Benefits’ (RB), which means you will continue to benefit from being a FirstChoice Employer Super member even if you leave your Employer. What is Retained Benefits? Previously if you had ceased employment with

Superannuation Forms MLC BusinessSuper – PDS Beneficiary Nomination Request to Increase Insurance Short Form Insurance Change of Personal Details Switch Form Super Consolidation  

Escalator Program Step up to an easy retirement When your budget is tight, it’s hard to find a spare dollar to save for the future, and retirement is a staircase you don’t want to climb right now. Research shows that 56% or Australian workers don’t think the 9% Superannuation Guarantee (SG) will be enough for

Superannuation Forms AMP Super – PDS Beneficiary Nomination Request to Increase Insurance Short Form Insurance Change of Personal Details Switch Form Super Consolidation

Find your ‘lost super’ online When a member of a superannuation fund is reported as “lost” by a fund, the details of that member are recorded on the ATO’s Lost Members Register. SuperSeeker is an online tool that instantly provides possible matches for lost super using your tax file number, name and date of birth.

To set up a spouse account, please complete the Spouse Application form and send to Colonial First State for processing. To direct future employer superannuation contributions for your spouse to the Colonial account, Download the ATO Super Choice Form, complete Section B and sign the document, Print the CFS FirstChoice Employer Super Account Management Guide, and

FirstChoice Investment Options following MySuper

Early release of Superannuation Superannuation is ‘preserved’ in the member’s Employer Fund until retirement from the workforce after age 55. A member may apply to APRA (Australian Prudential Regulation Authority) for approval of early release for superannuation benefits on specified grounds by completing the required application form. If the application is successful, the member will receive a

Educational Resources Newsletters Articles

Past Newsletters 2014 Winter 2014 In This Issue The value of great advice Private school fees Investing: Residential propery or shares? 2013 Spring 2013 In This Issue Changing the way that Horizon Wealth presents itself How Horizon Wealth creates value for you Information on members of our team and our new adviser Leading the new

Technical Library

First Home Savers Account (FHSA) This tax effective structure was originally introduced in the pre-election promises made by the Labour Government. It now forms part of the Federal Budget 2008 announcements. We thought it would be a useful to keep you informed as to the information we have at hand. There may well be some

Budget 2009   Please click on the above release from Colonial in order to find out more about the recent 2009 Federal Budget.    

Co-Contribution The Government superannuation co-contribution applies to personal contributions made to superannuation. The Government co-contribution will pay up to $0.50 for each $1 of eligible personal contributions made up to $500, or a matching rate of 50%. This means you could receive up to $500 if your 2017/18 income is $51,813 or less. If you

Early release of Superannuation Superannuation is ‘preserved’ in the member’s Employer Fund until retirement from the workforce after age 55. A member may apply to APRA (Australian Prudential Regulation Authority) for approval of early release for superannuation benefits on specified grounds by completing the required application form. If the application is successful, the member will receive a

Communications

Communication

Communication

Communication

Communication

Communication

Communication

Presentations

What to do if I leave Harmers ? When you leave the Firm there are some choices and decisions that require your attention. Horizon is the appointed Financial Advisor to both the Firm Superannuation Fund and Group Salary Continuance Plan. Horizon has created a checklist to assist you with some decisions that require your attention. CHECKLIST Superannuation

Presentations

Leaving Lynas Here is a checklist of items that you need to consider when you leave Lynas Corporation. CHECKLIST Superannuation On leaving your current Company, Colonial First State will automatically transfer your FirstChoice Employer Super account to a Retained Benefit category of your Employer plan. FirstChoice will send you an information pack outlining your options. Please note

Presentations

Leaving Ross Brown Sales Here is a checklist of items that you will need to consider when you leave Ross Brown Sales. CHECKLIST Superannuation Please note that if you join another Company, you may find that your new employer has its own fund. You need to determine the level of Life Cover and TPD that is on

What to do if I leave Redfern Integrated Optics? When you leave the Company there are some choices and decisions that require your attention. Horizon is the appointed Financial Advisor to the Company Superannuation Fund . Horizon has created a checklist to assist you with some decisions that require your attention. CHECKLIST Superannuation Please note that

Retail Apparel Group Presentations

Leaving RAG Here is a checklist of items that you need to consider when you leave RAG. CHECKLIST Superannuation On leaving your current Company, Colonial First State will automatically transfer your FirstChoice Employer Super account to a Retained Benefit category of your Employer plan. FirstChoice will send  you an information pack outlining your options. Please note that if you join

Leaving BBI Here is a checklist of items that you need to consider when you leave BBI. CHECKLIST   Superannuation On leaving your current Company, Colonial First State will automatically transfer your FirstChoice Employer Super account to a Retained Benefit category of your Employer plan. FirstChoice will send you an information pack outlining your options.

Presentations

Leaving Todd Minerals and Coal Here is a checklist of items that you need to consider when you leave Todd Minerals and Coal. CHECKLIST Superannuation On leaving your current Company, Colonial First State will automatically transfer your FirstChoice Employer Super account to a Retained Benefit category of your Employer plan. FirstChoice will send  you an information pack

Presentations

Contact Us A significant proportion of our new client relationships are a result of referrals from existing clients, family and friends; and attorneys and accountants who have been impressed by our approach. If you are looking for a fresh approach to financial advice and portfolio management please give us a call, email us or complete