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We are AWESOME at what we do.

  • We form an alliance with you to provide awesome financial advice.
  • We always work in your best interest.
  • We only provide financial advice in areas that we specialise in: aged care, home care packages, or retirement/lifestyle village situations.
  • We provide (to anyone in Australia for the above advice areas) both a free telephone Q&A service and a free calculation reporting service to better understand your DIY financial plans.
  • We provide financial reviews at your option and only when you want them. No lock in contracts (no on-going service requirements).

This website provides information on the 3 categories below. After reading the information, use our innovative Back of the Envelope calculators for a quick estimate on how much our advice could save you.

What would you like information on?

(choose from the below 3 options)

Aged Care

Home Care Packages

Retirement or Lifestyle Villages

Information About Aged Care

(Where a Refundable Accommodation Deposit Applies)

 

Why is this information important?

There comes a time when some people need to move into aged care.

There are two types of aged care. The most common type is aged care where a Refundable Accommodation Deposit (RAD) applies for the bed cost.

There is also the much less known type where a (RAD) does not apply for the bed cost. Instead, the accommodation cost is explained using the term, “Entry Amount“.

This article is about the former type.

The Aged Care Act 1997 is the main legislation that covers government-funded aged care. This includes funding, approval of providers, quality of care, the rights of people receiving care, and laws on diversity and discrimination.

The “portal” for aged care is the government’s My Aged Care Department. Their website has lots of helpful information.

What are accommodation costs and care fees?

Accommodation costs are set by each aged care home, within a prescribed limit, and costs will vary. How much you will have to pay depends on the place you choose and an assessment of your income and assets.

Care fees include a basic daily care fee as well as a means-tested care fee for those who are above the means test threshold.

If you are going into aged care, you will be asked to provide current financial information to Services Australia so that an assessment can be made of the fees you need to pay.

There will be a Resident Agreement to sign. You must ensure that your details are correct in the agreement and that you fully understand the document.

What are the steps to follow for getting into aged care?

While the process of someone going into aged care can be time-consuming and stressful, the actual steps are not difficult:

  1. Get an ACAT assessment (ACAS in Victoria).
  2. Find an aged care location and bed.
  3. Decide how to pay for everything.
  4. Sign a resident agreement.
  5. Move in.

With these clearly defined steps to follow, it’s no surprise that many people choose the Do It Yourself (DIY) method for the entire process. But there are good news/bad news elements to this.

The good news is that almost anyone can complete these aged care steps. The bad news is that there are critical element which often gets put in the too hard basket – the financial elements.

People who choose to DIY the financial portion struggle to get a good financial result because they don’t know:

  • All of their financial options.
  • All favourable aged pension and care fee strategies.
  • The applicable legislation.

“They don’t know what they don’t know”.

Whether choosing to DIY or get financial advice help, most people want to know what they will pay in care fees as well as how it will affect any pension entitlement. However, even more important than those is knowing the financial impact on cash flow and wealth.

They have little or no way of doing a cash flow and wealth financial impact comparison.

To do a comparison, DIY scenario results need to be calculated. For example, how much wealth you will have at the end of Year 1. The Financial Adviser’s scenario results would also need to be calculated or obtained.

Putting together comparison information like this is both difficult and time-consuming. Most people don’t even try. Our unique Back of the Envelope calculator will provide that sort of comparison information.

What is a Back of the Envelope calculator?

Back of the Envelope calculators provide a ballpark answer quickly. Noting the answer will be less accurate than a formal calculation.

What is the impact on my cash flow and my wealth?

The financial impact will depend on your situation and what you enter in our Back of the Envelope calculator. The calculator focuses only on “wealth”. The impact on your cash flow is also explored and further explained below. Getting this next level of financial impact information should help you in making informed choices.

An example using our Back of the Envelope calculator.

Our calculator lets you easily do your own calculations. No need to contact us!

Our calculator compares the results of your DIY scenario with our scenario. It compares those 2 results and determines a “wealth savings amount” – an amount that our financial advice is forecast to save you this year and in each of the next few years.

If the calculation results show wealth saving estimates that you consider are not “significant to you”, there would be less need for you to contact us.

If the calculation results show wealth saving estimates that you consider are “significant to you”, you should contact us to arrange a more accurate result. The more accurate result will come from us using your specific details rather than the general details used in the following calculator.

Here are general DIY details to which you can add your selections:

  • Relationship = Single
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 0.30% pa
  • Future expenses = Your only future expenses are the basic daily care fees and any applicable means tested care fees. No allowance has been made for incidental expenses while in care.

To the above information already built into the calculator, you simply need to choose 2 values in order to get a Back of the Envelope result. You’ll need to select those values from the available choices.

  • Your intended or existing RAD.
  • How much wealth will you have left in the bank AFTER paying the RAD.

That is all you have to do!

Our calculator provides a Back of the Envelope comparison of the forecast DIY results with our Alliance Financial Planning results. The calculator displays the potential “wealth savings” advantage of engaging a Financial Adviser over the standard DIY approach.

In this example, if you had selected:

  • Your intended or existing RAD = $350,000
  • How much wealth will you have left in the bank AFTER paying the RAD = $500,000

The above example’s calculated results are:

The wealth savings in Year 1 are $11,620. This is the difference between the end of Year 1 wealth values ($11,620 = $854,922 – $843,302). The upcoming tables and information will help you to better understand where these amounts came from.

If your calculation results show wealth savings amounts that are meaningful to you, please contact us for a phone discussion.

Yes, a phone call. It will be with a certified financial planner who is an Accredited Aged Care Advice ProfessionalTM.

And if that phone call saves you the sort of money shown by your calculated results, wouldn’t it be worth a simple phone call?

What happens in the phone discussion and afterwards?

During the phone discussion, we’ll collect information required to provide you with more accurate results. For example, you’ll be asked whether you’re single, if you have other investments or incomes, etc. Your personalised multi-page calculation report will be sent to you within 24 hours and will contain many calculation results as well as more accurate calculations of your potential wealth saving.

Amoungst the first calculation results that you will find in your report will be the calculations for your DIY scenario. Your results will be like the following that are for the example being explained here.

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $19,549 $19,549 $19,549 $19,549
Care Fees -$30,604 -$30,470 -$30,340 -$30,213
Cash Flow -$6,698 -$6,509 -$6,325 -$6,146
Wealth Value $843,302 $836,794 $830,469 $824,323

The calculation results for Year 1 become the starting point for calculating the Year 2 results, etc. The calculation results include tax, if applicable. All calculations are in today’s dollars.

Your report provides not just your DIY Scenario results but also our financial advice scenario results. Continuing with the same example, the report will contain this information:

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pen. Entitlement Comparison        
Aged Pen. Entitlement – DIY Scenario $19,549 $19,549 $19,549 $19,549
Aged Pen. Entitlement – Alliance Scenario $25,155 $25,155 $25,155 $25,155
Difference $5,606 $5,606 $5,606 $5,606
Care Fee Comparison        
Care Fee – DIY Scenario -$30,604 -$30,470 -$30,340 -$30,213
Care Fee – Alliance Scenario -$29,830 -$29,998 -$30,164 -$30,327
Difference $774 $471 $175 $114
Cash flow Comparison        
Cash Flow – DIY Scenario -$6,698 -$6,509 -$6,325 -$6,146
Cash Flow – Alliance Scenario $4,922 $4,778 $4,636 $4,496
Difference $11,620 $11,286 $10,960 $10,642
Wealth Value Comparison        
Wealth Value – DIY Scenario $843,302 $836,794 $830,469 $824,323
Wealth Value – Alliance Scenario $854,922 $859,700 $864,335 $860,831
Wealth Savings Difference  $11,620 $22,906 $33,866 $44,508

 

What does all this mean?

In summary, it means that:

  • You’ll have important financial impact information.
  • You’ll be able to decide whether financial advice will make a difference.
  • You’ll likely have some peace of mind and reduced stress.

Once you get the calculation report, we’ll make a follow up call to answer questions and provide a financial advice fee quote. The one-off fee will be based on the work you require from us and the complexity of your situation. You can then decide to get financial advice help OR NOT.

It’s similar to going on a real estate sales website to view pictures and information on what’s for sale. You don’t have to purchase anything. You can simply get information and go no further.

It’s the same for people who get a calculation report from us. If you don’t want financial advice, you can choose to simply go no further.

For those who become clients, a review service is available. Reviews can be requested at any time. We do not use or commit clients to ongoing service agreements. We simply provide reviews if requested and provide a review fee quote before any work is started.

Our Back of the Envelope calculator is available for use by anyone, anywhere in Australia. Additionally, we provide remote advice to anyone, anyplace in Australia.

GET STARTED

0$

Thank you, we will contact you soon !

Back of the Envelope

Wealth Savings Calculator

Select from the below options:
Your intended or existing RAD

How much wealth will you have left in the bank AFTER paying the RAD?

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired RAD is $400,000, choose $350,000). Making choices like this will provide a more conservative result.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 19/05/22
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,906
$11,724
$15,454

Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620
$22,906
$33,866
$44,508
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,500
$48,413$60,389
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,616$36,657$54,134$37,600
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$23,489$46,282$64,416$85,453
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$26,046$52,909$77,515$103,324
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,898$11,700$15,407
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620$22,377$32,302$41,424
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,692
$48,391$58,213
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,616$36,649$52,515$68,088
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$22,173$44,981$64,125$85,420
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,703$77,508$103,317
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,998
$7,818$11,463$14,938
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,620$22,324$32,145$39,762
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,441$34,484$48,368$58,170
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$18,300$36,331$50,844$68,296
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,794$64,110$85,404
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,703$77,508$103,317
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$30,309$60,612$90,907$121,230
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$34,752$69,520$104,306$139,143

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

You need to select an item to continue

Calculate

Final cost

The final estimated price is :

Summary

Description Information Quantity Price
Discount :
Total :

Order

Information About Aged Care

(Where a Refundable Accommodation Deposit Does Not Apply)

 

Why is this information important?

There comes a time when some people need to move into aged care.

There are two types of aged care. The most common type is aged care where a Refundable Accommodation Deposit (RAD) applies for the bed cost. This is the traditional type of aged care.

There is also the much less known type where a (RAD) does not apply for the bed cost. Instead, the accommodation cost is explained using the term, “Entry Amount“. This type of aged care is worth considering.

This information is about the latter type. It will be called, “Aged Care Retirement Villages”.

Aged Care providers that don’t charge a RAD are retirement villages that provide aged care services on site. These aged care providers are governed by both retirement villages legislation and aged care legislation. In Queensland, the retirement villages legislation includes the Retirement Villages Act 1999. The applicable aged care legislation includes the Aged Care Act 1997.

What are accommodation costs and care fees?

In this type of aged care, there is a moving in cost usually called an “entry amount”. Entry amounts are like the purchase price of a retirement village home unit except it is a lower amount because you’re leasing rather than purchasing the unit. You are paying a long – term leasing fee. Many of these aged care villages are small-pet friendly.

The aged care services that these retirement villages deliver are provided using government Home Care Packages (HCP). The government charges a basic daily care fee. There is also an income tested fee if income is over a threshold.

The quality of care that is received should be similar in both types of aged care facilities.

The “portal” for HCP is the government’s My Aged Care department. Their website has lots of helpful information on HCP and HCP providers.

What are the steps to follow for getting into aged care?

While the process of someone going into aged care can be time-consuming and stressful, the actual steps are not difficult:

  1. Contact My Aged Care.
  2. Get an ACAT assessment (ACAS in Victoria).
  3. Apply for a HCP and accept it when offered.
  4. Find a retirement village aged care location and choose a home unit.
  5. Decide how to pay for the costs.
  6. Sign a resident agreement.
  7. Move in.

With these clearly defined steps to follow, it’s no surprise that many people choose the Do It Yourself (DIY) method for the entire process. But there are good news/bad news elements to this.

The good news is that almost anyone can complete these aged care steps. The bad news is that there is a critical element which often gets put in the too hard basket – the financial element.

People who choose to DIY the financial portion may struggle to get a good financial result because they don’t know:

  • All of their financial options.
  • All favourable aged pension and care fee strategies.
  • The applicable legislation.

“They don’t know what they don’t know”.

Whether choosing to DIY or get financial advice help, most people want to know what they will pay in care fees as well as how it will affect any pension entitlement. However, even more important than those is knowing the financial impact on cash flow and wealth.

They have little or no way of doing a cash flow and wealth financial impact comparison.

To do a comparison, DIY scenario results need to be calculated. For example, how much wealth you will have at the end of Year 1. The Financial Adviser’s scenario results would also need to be calculated or obtained.

Putting together comparison information like this is both difficult and time-consuming. Most people don’t even try. Our unique Back of the Envelope calculator will provide that sort of comparison information.

What is a Back of the Envelope calculator?

Back of the Envelope calculators provide a ballpark answer quickly. Noting the answer will be less accurate than a formal calculation.

What is the impact on my cash flow and my wealth?

The financial impact will depend on your situation and what you enter in our Back of the Envelope calculator. The calculator focuses only on “wealth”. The impact on your cash flow is also explored and further explained below. Getting this next level of financial impact information should help you in making informed choices.

An example using our Back of the Envelope calculator.

Our calculator lets you easily do your own calculations. No need to contact us!

Our calculator compares the results of your DIY scenario with our scenario. It compares those 2 results and determines a “wealth savings amount” – an amount that our financial advice is forecast to save you this year and in each of the next few years.

If the calculation results show wealth saving estimates that you consider are not “significant to you”, there would be less need for you to contact us.

If the calculation results show wealth saving estimates that you consider are “significant to you”, you should contact us to arrange a more accurate result. The more accurate result will come from us using your specific details rather than the general details used in the following calculator.

Here are general DIY details to which you can add your selections:

  • Relationship = Single
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 0.30% pa
  • Future expenses = Your only future expenses are the basic daily care fees and any applicable means tested care fees. No allowance has been made for incidental expenses while in care.

To the above information already built into the calculator, you simply need to choose 3 values in order to get a Back of the Envelope result. You’ll need to select those values from the available choices.

  • Entry amount paid or payable.
  • Remaining wealth after paying the entry amount.
  • Annual total living expenses.

That is all you have to do!

Our calculator provides a Back of the Envelope comparison of the forecast DIY results with our Alliance Financial Planning results. The calculator displays the potential “wealth savings” advantage of engaging a Financial Adviser over the standard DIY approach.

In this example, if you had selected:

  • What is your entry amount paid or payable = $400,000
  • Remaining wealth after paying the entry amount = $500,000
  • Annual total living expenses = $30,000

The above example’s calculated results will be:

The wealth savings in Year 1 are $11,611. This is the difference between the end of Year 1 wealth values ($11,116 = $935,859 – $942,743). The following tables and information will help you to better understand where these amounts came from.

We invite you to use our Back of the Envelope calculator for your situation. If your calculation results show wealth savings amounts that are meaningful to you, please contact us for a phone discussion.

Yes, a phone call. It will be with a certified financial planner who is an Accredited Aged Care Advice ProfessionalTM.

And if that phone call saves you the sort of money shown by your calculated results, wouldn’t it be worth a simple phone call?

What happens in the phone discussion and afterwards?

During the phone discussion, we’ll collect information required to provide you with more accurate results. For example, you’ll be asked whether you’re single, if you have other investments or incomes, etc. Your personalised multi-page report will be sent to you within 24 hours and will contain a more detailed view of your potential wealth saving. For example:

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $7,254 $9,224 $11,046 $12,732
Care Fees $4,022 $4,022 $4,022 $4,022
Cash Flow -$25,257 -$23,363 -$21,611 -$19,990
Wealth Value $924,743 $901,380 $879,769 $859,779

The calculation results for Year 1 become the starting point for calculating the Year 2 results, etc. The calculation results include tax, if applicable. All calculations are in today’s dollars.

Your report provides not just your DIY Scenario results but also our financial advice scenario results. Continuing with the same example, the report will contain this information:

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pen. Entitlement Comparison        
Aged Pen. Entitlement – DIY Scenario $7,254 $9,224 $11,046 $12,732
Aged Pen. Entitlement – Alliance Scenario $10,274 $11,102 $11,872 $12,586
Difference $3,020 $1,878 $825 $146
Care Fee Comparison        
Care Fee – DIY Scenario -$4,022 -$4,022 -$4,022 -$4,022
Care Fee – Alliance Scenario -$4,022 -$4,022 -$4,022 -$4,022
Difference $- $- $- $-
Cash flow Comparison        
Cash Flow – DIY Scenario -$25,257 -$23,363 -$21,611 -$19,990
Cash Flow – Alliance Scenario -$14,141 -$13,383 -$12,681 $539
Difference $11,116 $9,980 $8,930 $20,529
Wealth Value Comparison        
Wealth Value – DIY Scenario $924,743 $901,380 $879,769 $859,779
Wealth Value – Alliance Scenario $935,859 $922,475 $909,795 $897,765
Wealth Savings Difference  $11,116 $21,096 $30,026 $37,986

What does all this mean?

In summary, it means that:

  • You’ll have important financial impact information.
  • You’ll be able to decide whether financial advice will make a difference.
  • You’ll likely have some peace of mind and reduced stress.

Once you get the calculation report, we’ll make a follow up call to answer questions and provide a financial advice fee quote. The once-off fee will be based on the work you require from us and the complexity of your situation. You can then decide to get financial advice help OR NOT.

It’s similar to going on a real estate sales website to view pictures and information on what’s for sale. You don’t have to purchase anything. You can simply get information and go no further.

It’s the same for people who get a calculation report from us. If you don’t want financial advice, you can choose to simply go no further.

For those who become clients, a review service is available. Reviews can be requested at any time. We do not use or commit clients to ongoing service agreements. We simply provide reviews if requested and provide a review fee quote before any work is started.

Our Back of the Envelope calculator is available for use by anyone, anyplace in Australia. Additionally, we provide remote advice to anyone, anyplace in Australia.

GET STARTED

0$

Thank you, we will contact you soon !

Back of the Envelope

Wealth Savings Calculator

Select from the below options:
What is your entry amount paid or payable

Remaining wealth after paying the entry amount

Annual total living expenses

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e., if your desired entry amount is $400,000, choose $500,000). Making choices like this will provide a more conservative result.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 19/05/22
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
$7,310
$10,968
$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654
 $7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$7,230$7,310
$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,096$30,026$50,555
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,056$29,912$45,991
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,016$29,797$41,427
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,077$37,614$62,728
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,037$37,494$67,190
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$24,997$38,233$67,852
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$60,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$70,064
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,171$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

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The final estimated price is :

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Information About Home Care Packages

 

Why is this information important?

Home Care Packages (HCP) are the main way that older Australians can access affordable care services for help in their home. HCPs are designed for those with more complex care needs that go beyond what the Commonwealth Home Support Program can provide.

HCP can be an option if you need a coordinated approach to the delivery of your help at your home – perhaps because you need help with many everyday tasks, or the care you need is more complex or intensive.

The “portal” for HCP is the government’s My Aged Care department. Their website has lots of helpful information on HCP and HCP providers.

What are the steps to follow for getting a Home Care Package.

While the process of getting a HCP can be time-consuming and stressful, the actual steps are not difficult:

  1. Contact My Aged Care.
  2. Get an ACAT assessment (ACAS in Victoria).
  3. Apply for a HCP and accept it when offered.
  4. Consider the HCP costs.
  5. Develop a care package program and budget with your HCP provider.

Once you have received official government HCP approval, you only have 56 days to accept the offer. If you miss the deadline, your HCP offer will be withdrawn, and you will need to re-apply.

Level 1 and 2 packages usually take a month or more to be approved. Levels 3 and 4 can take up to 2 years! Don’t put off starting the HCP process in the belief that when you need it, it will be approved in a few weeks.

What are the 4 Home Care Package levels?

There are 4 home care package levels:

  • Level I provides for basic care needs with about 5 hours of help per fortnight. The package value is currently about $8,500 pa.
  • Level 2 provides for low-level care needs with about 9 hours of help per fortnight. The package value is currently about $15,000 pa.
  • Level 3 provides for intermediate care needs with about 19 hours of help per fortnight. The package value is currently about $33,000 pa.
  • Level 4 provides for high level care needs with about 29 hours of help per fortnight. The package value is about $51,000 pa.

What happens to my Home Care Package money?

The government will only pay your HCP money to an approved package provider. They will not pay it directly to you to self-manage.

Think of this process as one where your package provider opens a bank account just for you. The government will periodically deposit money into your account. The package provider will withdraw money from this account to pay your care expenses and their management fees.

For each HCP, the government charges the recipient a basic daily care fee as well as an income tested fee if the person has income above a threshold. These government-charged fees will generally be withdrawn from your package account.

Word of mouth opinions on HCP providers can be useful. However, your care needs and financial situation might not be identical to the person/s giving opinions. Therefore, you should research HCP providers before making your choice.

What is your current financial situation?

If you are applying for or already have a HCP, now would be great time to consider your financial situation. Think of it as consideration of your financial situation at the start of a new stage in your life. What actually happens at this time is that most people simply keep doing (financially) whatever they have been doing. Few people consider getting financial advice.

There are good news/bad news elements to not getting financial advice.

The good news is that almost anyone can DIY their financial advice at this time. The bad news is that a critical element often gets put in the too hard basket.

Those who choose to DIY may struggle to get a good financial result because they don’t know:

  • All of their financial options.
  • All favourable aged pension options (if applicable).
  • All HCP strategies.
  • The applicable legislation.

They don’t know what they don’t know. Additionally, they have little or no way of doing a comparison of their DIY scenario with that of a Financial Adviser.

To do a comparison, the DIY results need to be calculated. For example, how much wealth you will have at the end of Year 1. A Financial Adviser’s results would also need to be calculated or obtained.

Putting together comparison information like that is both very difficult and time-consuming. Most people don’t even try. Our unique Back of the Envelope calculator will provide a comparison.

What is a Back of the Envelope calculator?

Back of the Envelope calculators provide a ballpark answer quickly. Noting the answer will be less accurate than a formal calculation.

What is the impact on my cash flow and my wealth?

The financial impact will depend on your situation and what you enter in our Back of the Envelope calculator. The calculator focuses only on “wealth”. The impact on your cash flow is also explored and further explained below. Getting this next level of financial impact information should help you in making informed choices.

An example using our Back of the Envelope calculator.

Our calculator lets you easily do your own calculations. No need to contact us!

Our calculator compares the results of your DIY scenario with our scenario. It compares those 2 results and determines a “wealth savings amount” – an amount that our financial advice is forecast to save you this year and in each of the next few years.

If the calculation results show wealth saving estimates that you consider are not “significant to you”, there would be less need for you to contact us.

If the calculation results show wealth saving estimates that you consider are “significant to you”, you should contact us to arrange a more accurate result. The more accurate result will come from us using your specific details rather than the general details used in the following calculator.

Here are general DIY details to which you can add your selections:

  • Relationship = Single
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 0.30% pa

To the above information already built into the calculator, you simply need to choose 3 values in order to get a Back of the Envelope result. You’ll need to select those values from the available choices.

  • Entry amount paid or payable.
  • Remaining wealth after paying the entry amount.
  • Annual total living expenses.

That is all you have to do!

Our calculator provides a Back of the Envelope comparison of the forecast DIY results with our Alliance Financial Planning results. The calculator displays the potential “wealth savings” advantage of engaging a Financial Adviser over the standard DIY approach.

In this example, if you had selected:

  • What is your entry amount paid or payable = $750,000
  • Remaining wealth after paying the entry amount = $500,000
  • Annual total living expenses = $30,000

The above example’s calculated results will be:

The wealth savings in Year 1 are $10,846. This is the difference between the end of Year 1 wealth values ($10,846 = $940,630 – $951,476). The following tables and information will help you to better understand where these amounts came from.

We invite you to use our Back of the Envelope calculator for your situation. If your calculation results show wealth savings amounts that are meaningful to you, please contact us for a phone discussion.

Yes, a phone call. It will be with a certified financial planner who is an Accredited Home Care Package ProfessionalTM.

And if that phone call saves you the sort of money shown by your calculated results, wouldn’t it be worth a simple phone call?

What happens in the phone discussion and afterwards?

During the phone discussion, we’ll collect information required to provide you with more accurate results. For example, you’ll be asked whether you’re single, if you have other investments or incomes, etc. Your personalised multi-page calculation report will be sent to you within 24 hours and will contain many calculation results as well as more accurate calculations of your potential wealth saving.

Amoungst the first calculation results that you will find in your report will be the calculations for your DIY scenario. Your results will be like the following that are for the example being explained here.

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pension Entitlement $22,406 $22,511 $22,624 $22,736
Care Fees $3,285 $4,022 $4,022 $4,022
Cash Flow -$9,370 -$10,028 -$9,945 -$9,863
Wealth Value $940,630 $930,602 $920,657 $910,794

The calculation results for Year 1 become the starting point for calculating the Year 2 results, etc. The calculation results include tax, if applicable. All calculations are in today’s dollars.

Your report provides not just your DIY Scenario results but also our financial advice scenario results. Continuing with the same example, the report will contain this information:

  Yr 1 Yr 2 Yr 3 Yr 4
Aged Pen. Entitlement Comparison        
Aged Pen. Entitlement – DIY Scenario $22,406 $22,511 $22,624 $22,736
Aged Pen. Entitlement – Alliance Scenario $25,155 $25,155 $25,155 $25,155
Difference $2,749 $2,644 $2,531 $2,419
Care Fee Comparison        
Care Fee – DIY Scenario $3,285 -$4,022 -$4,022 -$4,022
Care Fee – Alliance Scenario $3,285 -$4,022 -$4,022 -$4,022
Difference $- $- $- $-
Cash flow Comparison        
Cash Flow – DIY Scenario -$9,370 -$10,028 -$9,945 -$9,863
Cash Flow – Alliance Scenario $1,476 $748 $751 $755
Difference $10,846 $10,776 $10,697 $10,618
Wealth Value Comparison        
Wealth Value – DIY Scenario $940,630 $930,602 $920,657 $910,794
Wealth Value – Alliance Scenario $951,476 $952,223 $952,974 $953,730
Wealth Savings Difference $10,846 $21,629 $32,318 $42,936

What does all this mean?

In summary, it means that:

  • You’ll have important financial impact information.
  • You’ll be able to decide whether financial advice will make a difference.
  • You’ll likely have some peace of mind and reduced stress.

Once you get the calculation report, we’ll make a follow up call to answer questions and provide a financial advice fee quote. The one-off fee will be based on the work you require from us and the complexity of your situation. You can then decide to get financial advice help OR NOT.

It’s similar to going on a real estate sales website to view pictures and information on what’s for sale. You don’t have to purchase anything. You can simply get information and go no further.

It’s the same for people who get a calculation report from us. If you don’t want financial advice, you can choose to simply go no further.

For those who become clients, a review service is available. Reviews can be requested at any time. We do not use or commit clients to ongoing service agreements. We simply provide reviews if requested and provide a review fee quote before any work is started.

Our Back of the Envelope calculator is available for use by anyone, anywhere in Australia. Additionally, we provide remote advice to anyone, anywhere in Australia.

GET STARTED

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Back of the Envelope

Wealth Savings Calculator

Select from the below options:
Value of your home

Remaining Wealth after paying the entry amount

Annual Total Living Expenses

If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired value of your home is $700,000, choose $400,000). This will provide a more conservative approximate amount.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 19/05/22
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,310$10,968$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,278$10,872$14,335
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,238$10,752$14,194
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,104$30,048$38,029
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,064$29,934$37,812
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,024$29,820$37,595
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,085$37,638$50,199
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,045$37,518$49,957
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,005$37,629$50,430
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,994$51,037$68,111
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,954$50,917$67,870
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,914$50,797$67,629
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,903$64,436$86,024
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,863$64,316$85,783
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,823$64,195$85,542
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,811$77,835$103,937
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,771$77,714$103,696
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,731$77,594$103,454
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,310$10,968$14,628
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,270$10,848$14,387
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,230$10,727$14,146
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,611$32,298$42,907
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,346$31,504$41,320
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$10,846$21,081$30,710$39,734
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,733$46,621$59,022
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,693$46,507$58,805
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$17,236$32,653$46,393$58,588
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,986$51,013$68,063
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,946$50,893$67,822
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,906$50,772$68,256
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,895$64,412$85,976
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,855$64,292$85,735
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,815$64,174$85,493
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,659$83,073$110,211
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,394$82,278$108,624
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$27,969$55,129$81,484$107,332
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,318$10,992$14,677
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,278$10,872$14,435
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$3,654$7,238$10,752$14,194
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,104$30,048$38,029
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,064$29,934$37,812
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$11,116$21,024$29,820$37,595
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,085$37,638$50,199
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,045$37,518$49,957
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$12,539$25,005$37,629$50,430
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,994$51,037$68,111
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,954$50,917$67,870
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$16,982$33,914$50,797$67,629
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,903$64,436$86,024
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,863$64,316$85,783
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$21,424$42,823$64,195$85,542
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,811$77,835$103,937
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,771$77,714$103,696
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
$25,867$51,731$77,594$103,454

Our discussion will result in your questions being answered and a free multi-page calculation report.
The report will provide additional general information and more specific calculated results.
You will end up being more informed.
You will not be obligated to get financial advice.
You will end up being more informed.Beyond that, financial advice will be optional.
To get your free calculation report, contact us.
Call us on 07 33971806 (or 0414971806) or Book a phone discussion time slot via our calendar.

Note: The below times are for the Brisbane locality. If you are in another Australian time zone, you need to select accordingly.

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Information About Retirement Villages and Lifestyle Villages

 

Why is this information important?

Retirement, lifestyle, and land lease villages or communities are a popular form of retirement living throughout Australia.

They offer lots of positives, including the chance to downsize, make new friends and be part of a positive, active retirement village environment.

Retirement villages are governed by retirement villages legislation. For example, in Queensland, the retirement villages legislation includes the Retirement Villages Act 1999.

What is the most common type of retirement village contract?

The most common type of retirement village contract is where the village owns both the land and the dwelling, and you enter into a long-term lease of your dwelling: typically, a 99-year lease.

Your chosen retirement village may also offer a choice of resident contracts. The contracts may also offer a choice of entry amount options as well as exit entitlement conditions and amounts. For example, you may be able to pay different entry amounts that will reduce or eliminate any potential deferred management fee. Some contracts may allow you to share in your unit’s capital growth or receive your exit entitlement more quickly than other contracts.

Lifestyle villages are sometimes called retirement villages or communities or land lease villages or communities. For simplicity, we’ll call all of them “lifestyle villages”.

In one of these lifestyle villages, you typically own the building but not the site that your building sits on. You pay rent on the site. These villages are usually governed by the same legislation that applies to mobile home and caravan park residents – legislation that is more closely aligned with a tenancy agreement.

What are the steps to follow for getting into a retirement or lifestyle village?

The steps to follow to get into a retirement or lifestyle village are not difficult:

  1. Find a suitable retirement or lifestyle village and choose a home unit or dwelling.
  2. Decide how to pay for the costs.
  3. Sign a resident agreement.
  4. Move in.

Retirement and lifestyle villages can have very complex arrangements

Both retirement and lifestyle villages can have very complex arrangements. You should be very clear on what type of village it is. You should also be very clear on what you pay on entry to live there, any on-going fees, the exit entitlement when you leave and also when you will get your exit entitlement. These cost details must be provided to you prior to agreeing to reside in the village. These cost values are important to know and understand.

Retirement and lifestyle villages will have sales staff that help you understand information for both the village and the specific dwelling that you have chosen. They may even provide you with some financial projections.

Those projections are unlikely to consider much in the way of your personal financial situation as that requires government licensing. It’s very unlikely that the retirement or lifestyle village will have that sort of licensing.

Many people choose to DIY rather than get financial advice and help at this time even though the move into a retirement or lifestyle village is definitely a life event – worthy of getting financial advice help. There are good news/bad news elements to this.

The good news is that almost anyone can make their own moving-into-a-village decision. The bad news is that financial advice would almost certainly provide a better financial result.

Those who choose to DIY may struggle to get a good financial result because they don’t know:

  • All of their financial options.
  • All of the lifestyle village strategies.
  • All of the possible aged pension strategies (if applicable).
  • All of the possible home care package strategies (if applicable).
  • The applicable legislation – for example, downsizer legislation.

“They don’t know what they don’t know”.

Additionally, they have little or no way of doing a comparison of their DIY scenario with what a Financial Adviser could provide.

To do a comparison, the DIY results need to be calculated. For example, how much wealth you will have at the end of Year 1. The Financial Adviser’s results would also need to be calculated or obtained.

Putting together comparison information like this is both difficult and time-consuming. Most people don’t even try. Our unique Back of the Envelope calculator will provide that sort of comparison information.

What is a Back of the Envelope calculator?

Back of the Envelope calculators provide a ballpark answer quickly. Noting the answer will be less accurate than a formal calculation.

What is the impact on my cash flow and my wealth?

The financial impact will depend on your situation and what you enter in our Back of the Envelope calculator. The calculator focuses only on “wealth”. The impact on your cash flow is also explored and further explained below. Getting this next level of financial impact information should help you in making informed choices.

An example using our Back of the Envelope calculator.

Our calculator lets you easily do your own calculations. No need to contact us!

Our calculator compares the results of your DIY scenario with our scenario. It compares those 2 results and determines a “wealth savings amount” – an amount that our financial advice is forecast to save you this year and in each of the next few years.

If the calculation results show wealth saving estimates that you consider are not “significant to you”, there would be less need for you to contact us.

If the calculation results show wealth saving estimates that you consider are “significant to you”, you should contact us to arrange a more accurate result. The more accurate result will come from us using your specific details rather than the general details used in the following calculator.

Here are general DIY details to which you can add your selections:

  • Relationship = Single
  • Investment Risk = You do not want to take any investment risks.
  • Bank wealth earning rate average = 0.30% pa

To the above information already built into the calculator, you simply need to choose 3 values in order to get a Back of the Envelope result. You’ll need to select those values from the available choices.

  • Entry amount paid or payable.
  • Remaining wealth after paying the entry amount.
  • Annual total living expenses.

That is all you have to do!

Our calculator provides a Back of the Envelope comparison of the forecast DIY results with our Alliance Financial Planning results. The calculator displays the potential “wealth savings” advantage of engaging a Financial Adviser over the standard DIY approach.

In this example, if you had selected:

  • Entry amount paid or payable = $600,000
  • Remaining wealth after paying the entry amount = $500,000
  • Annual total living expenses = $50,000

The above example’s calculated results will be:

The wealth savings in Year 1 is $11,116. This is the difference between the end of Year 1 wealth values ($11,116 = $1,069,870 – $1,058,754). The upcoming tables and information will help you to better understand where these amounts came from.

We invite you to use our Back of the Envelope calculator for your situation. If your calculation results show wealth savings amounts that are meaningful to you, please contact us for a phone discussion.

Yes, a phone call. It will be with a certified financial planner who specialises in Retirement Villages and Lifestyle Villages advice.

And if that phone call saves you the sort of money shown by your calculated results, wouldn’t it be worth a simple phone call?

What happens in the phone discussion and afterwards?

During the phone discussion, we’ll collect information required to provide you with more accurate results. For example, you’ll be asked whether you’re single, if you have other investments or incomes, etc. Your personalised multi-page report will be sent to you within 24 hours and will contain a more detailed view of your potential wealth saving. For example:

  Yr 1 Yr 2 Yr 3 Yr 4 Yr 5
Aged Pension Entitlement $7,254 $10,471 $13,447 $16,200 $18,746
Care Fees $- $- $- $- $-
Cash Flow -$41,246 -$38,153 -$35,291 -$32,644 -$30,196
Wealth Value $1,058,754 $1,020,601 $985,310 $952,666 $922,470

The calculation results for Year 1 become the starting point for calculating the Year 2 results, etc. The calculation results include tax, if applicable. All calculations are in today’s dollars.

Your report provides not just your DIY Scenario results but also our financial advice scenario results. Continuing with the same example, the report will contain this information:

  Yr 1 Yr 2 Yr 3 Yr 4 Yr 5
Aged Pen. Entitlement Comparison          
Aged Pen. Entitlement – DIY Scenario $7254 $10,471 $13,447 $16,200 $18,746
Aged Pen. Entitlement – Alliance Scenario $10,274 $12,349 $14,275 $16,061 $17,718
Difference $3,020 $1,878 $828 $139 $1,028
Care Fee Comparison          
Care Fee – DIY Scenario $- $- $- $- $-
Care Fee – Alliance Scenario $- $- $- $- $-
Difference $- $- $- $- $-
Cash flow Comparison          
Cash Flow – DIY Scenario -$41,246 -$38,153 -$35,291 -$32,644 -$30,196
Cash Flow – Alliance Scenario -$30,130 -$28,205 -$26,420 -$24,766 -$23,233
Difference $11,116 $9,948 $8,871 $7,878 $6,963
Wealth Value Comparison          
Wealth Value – DIY Scenario $1,058,754 $1,020,601 $985,310 $952,666 $922,470
Wealth Value – Alliance Scenario $1,069,870 $1,041,665 $1,015,245 $990,478 $967,245
Wealth Savings Difference  $11,116 $21,064 $29,934 $37,812 $44,775

What does all this mean?

In summary, it means that:

  • You’ll have important financial impact information.
  • You’ll be able to decide whether financial advice will make a difference.
  • You’ll likely have some peace of mind and reduced stress.

Once you get the calculation report, we’ll make a follow-up call to answer questions and provide a financial advice fee quote. The one-off fee will be based on the work you require from us and the complexity of your situation. You can then decide to get financial advice help OR NOT.

It’s similar to going on a real estate sales website to view pictures and information on what’s for sale. You don’t have to purchase anything. You can simply get information and go no further.

It’s the same for people who get a calculation report from us. If you don’t want financial advice, you can choose to simply go no further.

For those who become clients, a review service is available. Reviews can be requested at any time. We do not use or commit clients to ongoing service agreements. We simply provide reviews if requested and provide a review fee quote before any work is started.

Our Back of the Envelope calculator is available for use by anyone, anywhere in Australia. Additionally, we provide remote advice to anyone, anywhere in Australia.

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Back of the Envelope

Wealth Savings Calculator

Select from the below options:
Entry Amount

Remaining wealth after paying the entry amount

Annual Total Living Expenses?


If your desired amount is not one of the choices, select the nearest choice without going over your desired amount (i.e. if your desired entry amount is $500,000, choose $400,000). This will provide a more conservative approximate amount.

You need to select an item to continue

Calculate

Here is your calculated Back of the Envelope wealth savings.
It compares your DIY scenario's results with ours.
This calculator is current as of 19/05/22
(This calculator provides general advice only).
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,064$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,064$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$7,278$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,318$10,992$14,677
$18,371
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,104$30,048$38,029$45,119
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,085$37,638$50,199$62,766
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,994$51,037$68,111$85,216
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,903$64,436$86,024$107,667
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,811$77,835$103,937$130,118
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,278$10,872$14,435$17,968
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$7,278$29,934$37,812$44,775
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,045$37,518$49,957$61,455
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,954$50,917$67,870$84,813
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,863$64,316$85,783$107,264
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,771$77,714$103,696$129,715
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$3,654$7,238$10,752$14,194$17,565
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$11,116$21,024$29,820$37,595$44,431
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$12,539$25,005$37,629$50,430$61,739
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$16,982$33,914$50,797$67,629$84,410
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$21,424$42,823$64,195$85,542$106,861
Wealth Savings End of Yr 1
Wealth Savings End of Yr 2
Wealth Savings End of Yr 3
Wealth Savings End of Yr 4
Wealth Savings End of Yr 5
$25,867$51,731$77,594$103,454$129,312

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