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 your Superannuation Fund together with the knowledge that you require in order to maximise the use of superannuation as the primary vehicle for retirement.
  • Advice
    Should you wish to avail yourself of this service, Horizon can assist you with the completion of a personal financial plan.

Horizon has created a checklist to assist you with the administration applicable to  your Superannuation Fund. The intention of this document is to highlight the areas that you may wish to focus your attention on and possibly seek personal financial advice.

CHECKLIST

  • Step 1. Your Superannuation Fund

    Upon joining the Fund, you will receive a Welcome Kit which will consist of the following:

Please Note:

    • Special attention should be given to the completion of the “Switch Form”. If this is not completed, your funds will be invested in the default option. The default fund is the MLC Horizon 5 portfolio.
    • Select the level of Life Cover and TPD (Total and Permanent Disablement) cover required. Special attention should be given as the Company has nominated a minimum level of cover. You may be required to undergo a medical assessment should you require a level of Life Cover and TPD above a particular amount.
    • Family Accounts. Your family member (e.g. Spouse) may opt to join the Company Superannuation plan. Effectively every member can add their family members to the Employer Plan and thereby derive the following benefits.
      – The group fee structure will extend to the joining family members, ie, they are also entitled to the same management fee rebates as all other members.
      – The family members that join may apply for insurance cover subject to evidence of health. The insurance premiums are based on group insurance rates and are determined by age and occupation. They are normally cheaper than retail rates. Please refer to the “MLC Business Super Product Disclosure Statement” for details.
  • Step 2. Superannuation Consolidation

    Should you have a superannuation account from a previous employer or other superannuation accounts that have been set up during your working career you may wish to consolidate them into the Company Superannuation Fund.The benefits are:

    • Reduces paperwork – there is less administration hassle in managing a single account,
    • Avoid paying multiple sets of fees, and
    • Easier to control your investments – your investments should be more effective in one account than in many which means that you will always know exactly how much you have accumulated.

Whom do I contact?

In order to save you time when you have a query we have created a contact sheet to direct you to the right resource.

1. Contact Horizon Wealth Management if you need:

  • Insurance quotes or to increase your Life and TPD cover
  • Personal financial advice
  • Investment advice – choosing your investment options
  • Assistance with planning for retirement

Ph: Horizon Wealth Management on 02 9392 8700 or info@horizonwealth.com.au


2. Contact MLC to:

  • Consolidate your super accounts
  • Perform an investment switch
  • Make an account enquiry – find out how much you have invested
  • Issue passwords – get started, get online

Phone MLC on 13 26 52 or MLC online at www.mlc.com.au

General Advice Disclaimer

This information was prepared by Horizon Wealth Management. It is of a general nature and does not take into account your personal investment objectives, financial situation or particular needs. You should assess whether this general advice is appropriate to your individual objectives, financial situation and needs. You can make this assessment yourself or seek the help of a professional financial advisor or taxation professional.