Unfortunately we have had to abandon our hopes of

running our annual seminar in February this year and

would like to apologise to all of you who have been

looking forward to attending.

Last year’s seminar was our best ever with guest speakers

Tom Hafey and Dan Moore providing both the

entertainment and the investment information that we

have been looking for from our speakers at the seminars.

We had booked the seminars in for February the 19th,

however once again we have had trouble with our guest

speakers having to cancel.

I would like to confirm however that we have booked our

seminars in for the end of the year on the 12th of

November at the Deniliquin RSL Club at lunch time and

Monichino's Winery near Katunga in the evening. We

will be going out of our way to make sure that these

seminars are first class again to make up for not having

one in 2014.

I know that many of you look forward to the seminars

and catching up each year and for those of you that have

not been to Monichino's Winery, I can assure you that the

meals, wine and venue are one of the best in the

Goulburn Valley. Once again, I would like to apologise to

everyone that was looking forward to attending as this is

the first one that we have missed in the past 10 years.

Warm regards,

Rob Morris

20th January, 2015

Premier Financial Planning & Investment Services

395 George Street Deniliquin, NSW, 2710

Phone: 03 5881 6005

Fax: 03 5881 1509 Mobile: 0457 305 785

Email: robert@premierfinancialplanning.com.au troy@premierfinancialplanning.com.au

Website: www.premierfinancialplanning.com.au

Seminar Apology

Social Media

We have been trying our hardest to keep up with all of the latest technology at Premier

Financial Planning & Investment Services and I would like to remind everyone that we now

have our very own Facebook Page. You can also follow us on Twitter, and for those of you

who are business clients we also have a Linkedin account. Please feel free to like us on

Facebook, or check us out on any of the media outlets.

How times have changed, I wonder where technology will take us in the next few years?

We have become so reliant on computers, that you wonder what would happen

without them!

P a g e 2 P r e m i e r F i n a n c i a l P l a n n i n g & I n v e s t m e n t S e r v i c e s

Our Skydiving Investor

You may have heard of the Bare Foot Investor who writes an article in the Herald

Sun, answering readers’ questions each week. Well I am pleased to announce that

Premier Financial Planning & Investment Services now have our very own Skydiving

Investor. I would like to congratulate Troy Bartlett who has recently passed his

Diploma of Financial Planning - Investment Module, and is now qualified to give

advice on Investments.

Troy has been with Premier Financial Planning for over 18 months now and has been

providing advice to clients on Risk Insurances. He can now expand his horizons, however will continue to concentrate his

advice on the Risk Insurance part of our business for clients.

As a result of Troy's success, we have decided that we will include a Question and Answer section within our Newsletter,

where you can ask any question regarding Insurance, Investments, Superannuation or Financial Planning and we will

answer the question in our Newsletter.

To the person that provides the best question that we receive and publish, we will provide a

bottle of wine. The questions can have anything to do with your own situation, or of a more

general nature if you prefer. Remember no question is a dumb question and we will not

publish your name if you don't want us to.

Please email your questions to: troy@premierfinancialplanning.com.au.

Premier Financial Planning & Investment Services

395 George Street Deniliquin, NSW, 2710

Phone: 03 5881 6005 Fax: 03 5881 1509

Rob - mobile: 0457 305 785

email: robert@premierfinancialplanning.com.au

Troy - mobile: 0418 183 988 email: troy@premierfinancialplanning.com.au

Website: www.premierfinancialplanning.com.au

You can now follow us on ~

Facebook Premier Financial Planning

& Investment Services

Twitter Premier Financial

Linkedin Premier Financial Planning

One question that we sometimes get asked by

prospective clients off the street is "where should I Invest

my money?".

There is no simple answer to this question as every person

is different and will have different objectives for their

investment. Some people are not prepared to take any

risks with their hard earned money and will only look at

investments that are guaranteed, such as Term Deposits.

Whereas others are prepared to invest for the long term

and are comfortable that there may be short term losses in

order to achieve higher long term returns. These types of

investors may look to invest in shares or property, for

example.

Some people will require short term access to the funds and

cannot afford to lock their money into Superannuation,

whereas others may be prepared to put the money away for

their Retirement. A person’s tax situation may also affect

the best place to invest as some investments are more tax

effective than others, and of course if a person is receiving a

benefit from Centrelink, such as the Aged Pension, we

might have to take this into account.

As you can see there are many things that may affect where

the best place may be for you to invest. This is why we have

to complete various Fact Find and Risk Profile information

documents to help us determine the right outcome for your

individual situation.