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Balance - If there is balance in the various aspects of our life then in turn we feel fulfilled (work, leisure, financial security, family, health or spiritual well-being).
Financial - Make the most of your present financial situation and plan for your future wealth and security.
Determine - how you are travelling financially &
ensure your tax affairs are in order to maximise
benefits by seeking sound accounting advice.
Every single person at "Life Balance" is highly trained, self-motivated and have undertaken further education for their personal and professional development, but also to better the services we provide to you.
We consider ourselves a working "family" with a healthy respect for each other and our talents.
You, our client, are a real person to us with your own goals and desires for your life.
It is our aim to provide you with professional advice and services to help you to achieve Balance in your life.
The aim of our practice is to provide quality advice relevant to your situation and make recommendations that are consistent with your personal needs and objectives.
Nobody knows you, like you do, so it is vital that our advisers find out exactly what your lifestyle and future wealth aspirations are so that you can achieve the balance in life that you desire.
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The
spending power of Australian households has increased over the term
of this Government. From 1 July 2010, working Australians will
benefit from tax cuts for the third consecutive year under this
Government. This is in addition to increased Government assistance
for working families for the costs of education, child care and
dental care. Older Australians will continue to benefit from this
Government's substantial increases to the Age Pension and the
Pension Supplement.
Projected improvement in the real disposable incomes and the net tax
thresholds of different household types from 2007‑08 to 2010‑11
AWOTE is average weekly ordinary
time earnings for full‑time employees.
Disposable income is the sum of
private income and government cash transfers less net tax paid.
The net tax threshold is the private
income at which taxes paid exceed cash benefits received.
Families with children have two,
aged 3 and 8 years. Families spend enough on eligible education
expenses to claim the maximum Education Tax Refund in respect of
the 8 year old, where eligible.
Younger child is in long day care,
two days per week at $5.70 per hour in 2007‑08 and $6.90 per
hour in 2010‑11; older child is not in paid care. For the
calculation of net tax thresholds, the hours of care are
consistent with the income of the second earner.
Younger child is in long day care,
four days per week at $5.70 per hour in 2007‑08 and $6.90 per
hour in 2010‑11; older child is not in paid care. For the
calculation of net tax thresholds, the hours of care are
consistent with the income of the second earner.
Younger child is in long day care,
five days per week at $5.70 per hour in 2007‑08 and $6.90 per
hour in 2010‑11; older child is not in paid care. For the
calculation of net tax thresholds, the hours of care are
consistent with the income of the second earner.
What to consider next
The
information contained in this document is based on the understanding
Colonial First State Investments Limited ABN 98 002 348 352 AFS
Licence 232468 has of the relevant Australian laws as at 1 July
2008. This document is not advice and is intended to provide general
information only. It does not take into account your individual
needs, objectives or personal circumstances. You should assess
whether the information is appropriate for you and consider talking
to a financial adviser before making an investment decision. Product
Disclosure Statements (PDS) for products offered by
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Brisbane.com Shopping Centres and Precincts
While you are in the area take the opportunity to visit some of the local direct to the public food outlets and local restaurants.

A simple reorganisation of your finances and superannuation could save you thousands. Putting a Transition to Retirement strategy in place could really put you ahead.
If you are between age
55 and 75, the benefits can include:
Boost your super before retirement -
With this option, you can continue to work full time and
still commence a pension.
Scale back your working hours and earn the same income -
During uncertain times you may decide not to retire
fully, and this option may help. These benefits
can add up to a better lifestyle now and a better super
balance at retirement.
How it works -
From preservation age (55 for many people), you are able
to access your super as a regular income through a
transition to retirement pension, even if you are still
working.
This pension income generally attracts
less tax (and is tax free after age 60) than income
through work, so can be used to supplement or even
replace your income. It allows you to work less
hours and still have the same income to play with.
A transition to retirement pension can be even more
powerful if combined with salary sacrifice whilst you
are still working. Because your salary sacrifice
contributions are taxed at a lesser rate when they go
into your super, you can direct your work income into
your super and replace it with a transition to
retirement pension.
This could mean being substantially better off in
retirement without compromising your lifestyle now.
Making the right choices is crucial.
You need to set up your super and salary arrangement in
exactly the right way to make the most of a transition
to retirement strategy. And of course everyone
benefits differently depending on their personal
financial circumstances.

Types of Protection |
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Term Life - Pays a lump sum upon death or terminal illness. If you have financial dependents or do not wish to burden others with any debt left behind. |
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Total & Permanent Disability (TPD) - Provides a lump sum if you are unable to work in your own or similar occupation again, due to illness or injury. If you have ongoing financial commitments that could not be met if you were unable to ever return to work. |
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Income Protection - Designed to replace your income if you are unable to work due to sickness or injury. If you have dependents, if you are the primary income earner in the family, or if you could not afford to be without income for an extended period. |
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Trauma Cover - Provides a lump sum in the event of an injury or sickness as defined in the policy (eg cancer, heart attack, stroke). If you have insufficient capital to pay for medical attention, have financial dependents or do not wish to financially burden others if you suffer a serious illness. |
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Business Expense Cover - Cover ongoing expenses of your business, such as rent, salaries, and electricity, while the primary income generator is unable to work due to sickness or injury. If you are the primary income generator in a small business, or if you are self employed. |
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What to do next - If you want us to help you review your options, contact us today. |