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Terms & Conditions

These are the terms and conditions for use of this site and access to the information contained on this site.

1. Mary Campbell and Gold Leaf Financial Services:

(a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;

(b) may change and update the information for time to time;

(c) make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and

(d) own the copyright in the information on this site.

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(b) use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;

(c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;

(d) post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate.

4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.

5. The information contained on this site is made available to residents of Australia and its territories and New Zealand and its not intended to be a recommendation, offer or invitation to take up securities or other investments.

6. Mary Campbell and Gold Leaf Financial Services are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site of from unauthorised access to, or any misuse of this site including, without limitation, any negligence by Mary Campbell and Gold Leaf Financial Services.

7. All references on this site to “$” or “dollars” are references to Australian currency unless otherwise stated.

8. Users of this site agree to indemnify Mary Campbell and Gold Leaf Financial Services from all liability, cost and expense, (including legal fees) arising directly  or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.

9. Mary Campbell and Gold Leaf Financial Services  do not endorse and are not responsible for information, feedback, questions or comments placed in this site by third parties. 

10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between Mary Campbell and Gold Leaf Financial Services, and other organisation (unless otherwise expressly stated). Mary Campbell and Gold Leaf Financial Services does not control and is not responsible or the content of any other site accessed via this site.

11. You consent to Gold Leaf Financial Services monitoring your use of this site.

12. This website is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia.

Sam and Alice save for retirement

When their youngest child Tim moved out of home to study at university, Sam and Alice started to think about the next 15 years leading up to their retirement. Sam and Alice would like to continue their current lifestyle and want to make the most of their additional savings, especially now that Tim is mostly independent.  When they retire they would like to renovate the kitchen, continue to enjoy good food and wine, and volunteer as board members with their favourite community and environmental groups.  They both like sailing, playing tennis and they are learning photography.  Sam and Alice would also like to travel to see the French Open and Wimbledon, and take photography tours of Africa, Canada and Antarctica.

 

Sam and Alice saw a Gold Leaf Financial Planner and discussed their values and goals.  Their adviser recommended keeping their super fund but changing the investments to make sure it was invested in line with their ethical values and that it would grow for retirement.  The adviser also recommended making additional mortgage repayments and salary sacrificing to super.  Sam and Alice will also take some of their long service leave in the next few years to travel to the French Open and to Antarctica as part of enjoying life now.

 

By following their financial planner’s recommendations, Sam and Alice will be debt free in five years and have an extra $900,000 at retirement.  They will have income in retirement to enjoy good food and wine and there will be funds available for kitchen renovations and overseas travel.