Managing You Through Your Various Lifestyle Stages

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• Commence career
• Start family
• Purchase first home
• Large non deductible debt
• Household income $100K+
• Start Super Contributions
• Minimal savings
• Restricted cash
• Health Insurance
knp Financial Services Approach

• Lending
• Personal Insurance
• Superannuation
• Cash Flow analysis
• Savings/Gearings strategies


• Career advancement
• Education fees
• Upgrade family home
• Reduced deductible debt
• Household income $150K +
• Growing Superannuation
• Small savings egg
• Cashflow surplus
• Large tax bill
knp Financial Services Approach

• Lending
• Personal Insurance
• Cash flow analysis
• Savings/Gearings strategies
• Investment opportunities
• Superannuation
• Estate Planning


• Maturing career
• Education fees
• Purchase holiday home
• Equity in family home
• Household income $150K +
• Growing Superannuation
• Self-Managed Super?
• Substantial investment
knp Financial Services Approach

• Lending
• Personal Insurance
• Savings/Gearing strategies
• Tax effective investments
• Investment opportunities
• Superannuation
• Pre-retirement strategies
• Estate Planning


• Career winding down
• Education fees
• Investment property?
• Equity in family home
• Household income $150K+
• Transition to Retirement Strategy (Super)
• Financial assistance to children
• Minimising tax in personal names
• Health issues?
• Business Succession?
• Inheritance?
knp Financial Services Approach

• Lending
• Personal Insurance
• Pre-Retirement strategies
• Tax effective investments
• Investment opportunities
• Superannuation
• Personal super contributions
• Estate Planning


• Semi/ permanently retired
• Equity in family home
• Downsizing home?
• Household income reducing
• Assets held in Super
• Superannuation pension
• Minimising tax in personal names
• Financial assistance to children
• Health issues?
• Business succession?
• Inheritance?
• Aged Care guidance?
knp Financial Services Approach

• Wealth management
• Investment management
• Superannuation Planning
• Estate Planning
• Aged Care guidance