JBS Financial Strategists

Wishing Sharyn a very happy birthday today. 🎉 🎊
From all of us at JBS we hope you have a wonderful day.

What number equals financial freedom to you?
That golden amount of savings that can afford you the lifestyle you desire when you stop getting a regular paycheck. It's an important consideration when planning for your retirement, but it can be a tricky one to work out, luckily for you we have a few tips 👉 https://buff.ly/3yu6kK8

Would you be clever enough to outwit a scam?
Unfortunately, as scammers get more sophisticated, the old saying "a fool and his money are easily parted" no longer rings true. Last year alone Australians collectively lost more than 480 million to scams last year.

The best protection is to remain informed - here's what you need to know - https://buff.ly/3PYdrAg

How do you see risk?
While some people see opportunity, others see discomfort. Understanding how you feel about risk an important consideration in creating a financial plan - especially when it comes to investing. Our risk appetites often change through the course of our lives so it's a good idea to revisit your investment strategy and make sure it's still in line with your comfort levels.

Here are some points to consider... https://buff.ly/3K8X6p0

Today, we are celebrating Peter. 🎉
Peter has been a part of our team for 12 years, and we are so grateful for everything you bring to our team and do for our clients. Congratulations Peter! 🎊

Two incredible years have flown by with Rods as part of our team! 🎉
Here's to celebrating your achievements, collaborations, and success. Thank you for your remarkable contribution, Rods! 🌟

Think financial advisers are all about the numbers?
The truth is a good financial adviser understands it is always about the people and never just about the numbers. A good portion of life's successes can be attributed to a well executed plan, and having a financial adviser in your corner throughout the transitions of your life can be the difference between a successful transition and falling short.

Jenny Brown explains why 👉 https://buff.ly/3KbZeMY

What do you know about the transfer balance cap?

The cap imposes a lifetime limit on the amount of superannuation that can be transferred into a tax free retirement pension account. While this may seem straightforward enough there are a number of nuances you'll need to understand so that you can create an effective retirement funding strategy.

Here's what you need to know - https://buff.ly/4dclfIE

Ensuring the well-being and comfort of our elderly loved ones is paramount, particularly when it comes to making informed decisions about their care. At JBS Financial, we provide tailored aged-care solutions that prioritise compassion, respect, and understanding.

Our team is here to guide you through the myriad of options available, ensuring that you can make choices that best suit your family's needs and aspirations. Discover how we can assist you in navigating these crucial decisions with ease and confidence. 🌸

Discover How: https://buff.ly/4b5bA5p

Have you considered whether you could outlive your retirement savings?
Australians retiring today are living a staggering ten years longer than in the 1990s, meaning a 65-year-old today can expect to live well into their 90s. While this is great news, it also means they may spend 30 years in retirement, which may increase the risk of outliving their savings.

Find out how you can safeguard yourself, and your retirement from longevity risk - https://buff.ly/44y0D9X

Wishing the happiest of birthdays to Geraldine! 🎂
Here's to another year of adventures, laughter, and celebration. May your day be as bright and delightful as you are. Cheers to celebrating you today and always! ✨

Retirement planning can feel like navigating a maze blindfolded... But with much higher stakes!
The question “Will I have enough money to retire comfortably?” is an important question at the front of mind for most people planning their retirement. While there is no one-size-fits-all all answer there are some steps you can take to get an understanding of how much you will need to retire right and how much savings you will have by the time you retire 👉 https://buff.ly/4adJH9N

Thank you Ian for sharing.
We understand how complicated and stressful financial decisions can be, and aim to make it as easy as possible for you. 🫶

As retirement approaches, our team understand that the dream of endless leisure time can sometimes clash with reality. Jenny Brown, CEO of JBS Financial, highlights the importance of addressing these concerns early on: "In our discovery sessions, clients often express worries about how they'll adjust to newfound free time. Retirement isn't just about finances; it's about preparing for a fulfilling lifestyle shift."

Here, Jenny shares five unexpected truths about retirement that merit consideration before taking the leap👉 https://buff.ly/4a8TdLq

Ready to retire right? Let's navigate the journey together. 🏖️

Well done, team! Jenny, Peter, Daniel, and Kaitlin recently presented on building wealth for the Summit Internet team. CEO Greg Lipschitz is a long-term client of JBS Financial, and he wanted to be able to help his team plan and achieve financial freedom. It was a great interactive session, and we were thrilled for the opportunity.

Thank Greg for the invitation.🤝

Have you tailored your life insurance to your age and stage of life?

Our life insurance needs when we are starting our adult lives in our 20's are vastly different to our needs in our 40's when we have mortgages and families to consider, and once we reach our 60's with smaller mortgages and independent children our needs are different again.

Make sure your have the right cover for your life stage - https://buff.ly/3vVpI1R

Celebrating a milestone — one remarkable year with Tin! 🎉 Here's to the year gone by and many more to come, filled with growth, and creativity. Cheers to you, Tin! 🥂✨

Supercharge Your Retirement Savings! 🌟

Maximising super contributions for your spouse isn't just a smart financial move—it's a game-changer for your family's future! By actively boosting your partner's super, you're not only securing their retirement but also unlocking potential tax benefits for your household. But remember, eligibility criteria and contribution limits apply. Learn more about this savvy strategy and its impact on your retirement plan and estate planning.

Check out the key takeaways here: https://buff.ly/3xwZweh

Paying tribute to the ANZACs today. Their legacy of bravery and resilience continues to inspire us.

How will creating a bucket list change the way you live in retirement?

Over the years, many of our clients have shared their incredible adventures with us, from driving across America to skiing in Whistler and visiting Downton Abbey. These experiences are not just happenstance; they’re the result of careful planning and goal setting.

Some may call it a bucket list, we refer to it as the roadmap to your retirement. Here Jenny shares how she has helped hundreds of clients to retire right 👉 https://buff.ly/3Qe4XFx

You are your biggest asset, so safeguard your future with the right insurance protection. From safeguarding your income to ensuring your loved ones are protected, our tailored advice illuminates the path to security.

Embrace a newfound confidence here ➡️https://buff.ly/4aIWtym

Change is the only constant in life, and as life changes so too do your insurance needs.

The life insurance policy that suited you in your 20s will likely not be sufficient when you're in your 40s, when you may be juggling a young family and a mortgage. The insurance you need in your 40s certainly won't be relevant as you near retirement.

Change in life is a certainty, and changing your insurance should be, too, here's what you should consider when reevaluating your cover - https://buff.ly/4cx8pEC

How can women get ahead in the face of ongoing financial inequity?

Despite decades of social, economic, cultural, and political achievements, women still typically earn less than men and have lower superannuation balances. As a result, they need to take extra steps to improve their long-term financial outcomes and achieve their financial goals.

Here are 6 ways women can get ahead - https://buff.ly/3PG4sU6

Thank you, Hazel, for your lovely words and trust in us. We look forward to continuing to support you in the future.

What is the secret sauce for making your retirement funds last the distance?
What your lifestyle in retirement looks like will most likely reflect your finances. As you prepare for the retirement you desire, understanding the tax implications and exploring opportunities play a crucial role in maximising your retirement savings.

Here's what you need to know about tax planning 👉 https://buff.ly/3JhXn8E

🌞 It's time for us to take a break! 🌴

The team are clearing their desks, checking off their to-do lists and powering down their computers. We'll be back in action on Monday, 8th January 2024.

We're just a message away if you need us! Please take care when travelling, and we will see you after the holidays.🏖️🗓️