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Subject: =?utf-8?Q?Onelife=20Financial=20=2D=20June=202024=20Newsletter?=
From: Onelife Financial <info@onelifefinancial.com.au>
Reply-To: =?utf-8?Q?Onelife=20Financial?= <info@onelifefinancial.com.au>
To: =?utf-8?Q?Robyn?= <robyn@doron.net.au>
Date: Tue, 4 Jun 2024 03:59:24 +0000
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With Winter now officially underway=2C some might be heading north to warm=
up and others may lean...
** Onelife Financial - June 2024 Newsletter
------------------------------------------------------------
With Winter now officially underway=2C some might be heading north to warm=
up and others may lean into the cold on the snowfields. Whichever you cho=
ose=2C don=E2=80=99t forget the approaching end of financial year.
A slight increase in the Consumer Price Index last month=2C to 3.6% from 3=
=2E5% in March=2C has led some economists to predict we=E2=80=99ll be waitin=
g longer for the first official interest rate cuts=2C perhaps until the en=
d of next year=2C with little to no chance of a rate rise in the meantime.=
While inflation has been relatively stable over the past five months=2C t=
his is the second monthly increase in a row. The biggest price increases w=
ere in the housing=2C food and beverages=2C alcohol and tobacco=2C and tra=
nsport sectors. Retail spending continues to be weak. The 0.1% increase in=
turnover in April wasn=E2=80=99t enough to make up for a 0.4% drop in Mar=
ch.
The higher-than-expected inflation figures saw Australian share prices tak=
e a tumble after reaching a welcome high mid-month. The ASX200 finished th=
e month on a positive note=2C slightly higher for the month of May. In the=
US=2C troubles in the tech sector and a global bond sell-off saw small lo=
sses on the Dow=2C the Nasdaq and the S&P 500 while European markets in Lo=
ndon=2C France and Germany also finished the month on a low.
A strong US dollar along with the uptick in Australia=E2=80=99s inflation=
data saw the Aussie dollar fall from a mid-month peak of just over US67 c=
ents.
Kind Regards=2C
The Onelife Team
------------------------------------------------------------
Use EOFY to set your next 12 months up for success
** Use EOFY to set your next 12 months up for success
------------------------------------------------------------
At this time of year=2C many property investors feel overwhelmed by the ex=
tra tax admin suddenly looming over them. However=2C if you switch your wi=
ntery end of financial year (EOFY) mindset to a sunnier new year one=2C yo=
u might find plenty of ways to plan for a more profitable future at the sa=
me time as you close off the year. Here are some ideas to get you excited=
about doing that admin.
First up=2C you can=E2=80=99t do anything if your paperwork is a mess. If=
you routinely find yourself drowning in a... Read more (https://eread.com=
=2Eau/onelifefinancial/169338#head_372307)
------------------------------------------------------------
Investment Property: Getting it right
** Investment Property: Getting it right
------------------------------------------------------------
With property remaining a high-priced asset=2C it=E2=80=99s more important=
than ever for investors to ensure their property investments are a financ=
ial success.
The latest data demonstrates property=E2=80=99s popularity. One-in-five ho=
useholds (21%) owns a home in addition to their usual residence.^i
Maximising taxation benefits is one key element but the ATO recently found=
9 out of 10 returns were incorrect=2C so it=E2=80=99s essential to check=
your paperwork as we approach the end of the financial year.^ii
** Get your structure right
------------------------------------------------------------
As with any investment asset=2C ensuring the right ownership structure for=
a property... Read more (https://eread.com.au/onelifefinancial/169338#hea=
d_372308)
------------------------------------------------------------
How to end the financial year on a high note
** How to end the financial year on a high note
------------------------------------------------------------
As the financial year draws to a close=2C it's the perfect time to review=
your financial affairs and set the stage for a successful new financial y=
ear. By taking care of essential tasks and implementing strategic planning=
=2C you can position yourself for a smooth transition and a strong start f=
or the year to come.
** Topping up super
------------------------------------------------------------
One important item for the To Do list is to top up your super with either=
concessional (pre-tax) or non-concessional (post-tax) contributions. For=
example=2C you could make a voluntary concessional contribution up to the=
limit... Read more (https://eread.com.au/onelifefinancial/169338#head_372=
309)
------------------------------------------------------------
Onelife Financial
Suite 806
251 Oxford St
Bondi Junction NSW 2022
https://www.linkedin.com/in/danielgrusd/
https://www.linkedin.com/in/craig-jaffe-8240611b/
https://au.linkedin.com/in/marisahoffenberg
P 02 8358 4888
E info@onelifefinancial.com.au (mailto:info@onelifefinancial.com.au)
W https://onelifefinancial.com.au
https://facebook.com/Onelife-Financial-221517464580654 https://twitter.com=
/DanielGrusd https://linkedin.com/in/marisahoffenberg
Daniel Grusd of Onelife Wealth Management Pty Ltd (ACN 139 437 513) is an=
authorised representative of One Licence Pty Ltd=2C AFS Licence No 535095=
=2E Trading as Onelife Financial=2C Suite 806=2C 251 Oxford St=2C Bondi Junc=
tion NSW 2022.
Unless specifically indicated=2C the information contained in this newslet=
ter is general in nature and does not take into account your personal situ=
ation. You should consider whether the information is appropriate to your=
needs=2C and where necessary=2C seek personal advice from a financial adv=
iser=E2=80=99.
This email was sent to robyn@doron.net.au (mailto:robyn@doron.net.au)
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Onelife Financial . Po Box 2313 . Bondi Junction . Sydney=2C NSW 1355 . Au=
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<body style=3D"width: 100% !important;min-width: 100%;-webkit-text-size-=
adjust: 100%;-ms-text-size-adjust: 100%;-moz-box-sizing: border-box;-webki=
t-box-sizing: border-box;box-sizing: border-box;color: #0a0a0a;font-family=
: Helvetica=2C Arial=2C sans-serif;font-weight: normal;text-align: left;li=
ne-height: 1.3;font-size: 16px;margin: 0;padding: 0;">
<table class=3D"body" style=3D"border-spacing: 0; border-collapse: col=
lapse; vertical-align: top; text-align: left; height: 100%; width: 100%; c=
olor: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight:=
normal; line-height: 1.3; font-size: 16px; margin: 0; padding: 0;" bgcolo=
r=3D"#f3f3f3">
<tr style=3D"vertical-align: top; padding: 0;" align=3D"left">
<td class=3D"center" align=3D"center" valign=3D"top" style=3D"word=
-wrap: break-word; -webkit-hyphens: auto; -moz-hyphens: auto; hyphens: aut=
o; border-collapse: collapse !important; color: #0a0a0a; font-family: Helv=
etica=2C Arial=2C sans-serif; font-weight: normal; line-height: 1.3; font-=
size: 16px; margin: 0; padding: 0;">
<center style=3D"width: 100%; min-width: 580px;">
<table class=3D"container" align=3D"center" style=3D"border-spacing: 0; bo=
rder-collapse: collapse; vertical-align: top; text-align: inherit; width:=
580px; margin: 0 auto; padding: 0;" bgcolor=3D"#fefefe"><tbody><tr style=
=3D"vertical-align: top; padding: 0;" align=3D"left"><td style=3D"word-wra=
p: break-word; -webkit-hyphens: auto; -moz-hyphens: auto; hyphens: auto; b=
order-collapse: collapse !important; color: #0a0a0a; font-family: Helvetic=
a=2C Arial=2C sans-serif; font-weight: normal; line-height: 1.3; font-size=
: 16px; margin: 0; padding: 0;" align=3D"left" valign=3D"top">
<div style=3D"display: none; mso-hide: all; width: 0px; height: 0px; max=
-width: 0px; max-height: 0px; font-size: 0px; line-height: 0px;">
With Winter now officially underway=2C some might be heading north to wa=
rm up and others may lean...
</div>
<table class=3D"real-collapse row" style=3D"border-spacing: 0; border-co=
llapse: collapse; vertical-align: top; text-align: left; width: 100%; posi=
tion: relative; display: table; padding: 0;"><tbody><tr style=3D"vertical-=
align: top; padding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px;" align=3D"left"><table style=3D"border-spacing: 0; border-collapse:=
collapse; vertical-align: top; text-align: left; width: 100%; padding: 0;=
"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<img src=3D"https://ddwfsentcju8u.cloudfront.net/image_attachments/d=
ata/000/027/164/small/66fa8c7b44b1ae31e1f827f875d08df1088a553c-onelifefina=
ncial_banner_RGB.jpg?1614036629" style=3D"outline: none; text-decoration:=
none; -ms-interpolation-mode: bicubic; width: auto; max-width: 100%; clea=
r: both; display: block;">
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collap=
se; vertical-align: top; text-align: left; width: 100%; position: relative=
; display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pa=
dding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<div id=3D"cover_frame_content" style=3D"" class=3D"px-0">
<img class=3D"" style=3D"outline: none; text-decoration: none; -ms-interpo=
lation-mode: bicubic; width: auto; max-width: 100%; clear: both; display:=
block;" src=3D"https://ddwfsentcju8u.cloudfront.net/image_attachments/dat=
a/000/035/170/small/2b7d61de27e3c769f8d858be63c7f759dacf62d7-2406_hike_114=
0x403px_RGB.jpg?1717135608"><br>
</div>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collap=
se; vertical-align: top; text-align: left; width: 100%; position: relative=
; display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pa=
dding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564=
px; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-we=
ight: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding:=
0 16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-co=
llapse: collapse; vertical-align: top; text-align: left; width: 100%; padd=
ing: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"le=
ft">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<h1 style=3D"color: #666666; font-family: Helvetica=2C Arial=2C sans=
-serif; font-weight: normal; line-height: 1.3; word-wrap: normal; font-siz=
e: 30px; margin: 0 0 10px; padding: 0;" align=3D"left">Onelife Financial -=
June 2024 Newsletter</h1>
<div id=3D"body_frame_content" style=3D"color: black (0=2C0=2C0=2C100);" c=
lass=3D"px-0"><span class=3D"email" style=3D"">With Winter now officially=
underway=2C some might be heading north to warm up and others may lean in=
to the cold on the snowfields. Whichever you choose=2C don=E2=80=99t forge=
t the approaching end of financial year. <br><br>A slight increase in the=
Consumer Price Index last month=2C to 3.6% from 3.5% in March=2C has led=
some economists to predict we=E2=80=99ll be waiting longer for the first=
official interest rate cuts=2C perhaps until the end of next year=2C with=
little to no chance of a rate rise in the meantime. While inflation has b=
een relatively stable over the past five months=2C this is the second mont=
hly increase in a row. The biggest price increases were in the housing=2C=
food and beverages=2C alcohol and tobacco=2C and transport sectors. Retai=
l spending continues to be weak. The 0.1% increase in turnover in April wa=
sn=E2=80=99t enough to make up for a 0.4% drop in March.<br><br>The higher=
-than-expected inflation figures saw Australian share prices take a tumble=
after reaching a welcome high mid-month. The ASX200 finished the month on=
a positive note=2C slightly higher for the month of May. In the US=2C tro=
ubles in the tech sector and a global bond sell-off saw small losses on th=
e Dow=2C the Nasdaq and the S&P 500 while European markets in London=
=2C France and Germany also finished the month on a low.<br><br>A strong U=
S dollar along with the uptick in Australia=E2=80=99s inflation data saw t=
he Aussie dollar fall from a mid-month peak of just over US67 cents.<br><b=
r>Kind Regards=2C<br>The Onelife Team<br></span></div>
<div id=3D"body_frame_content" style=3D"color: CLIENT1 (x=2Cx=2Cx=2Cx);" c=
lass=3D"px-0"></div>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<hr style=3D"border-top-width: 1px; border-top-color: #aaa; border-top=
-style: solid; margin: 0 1em 1.5em;">
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<img alt=3D"Use EOFY to set your next 12 months up for success" src=3D=
"https://ddwfsentcju8u.cloudfront.net/image_attachments/data/000/035/146/s=
mall/72d8af55db173e4eea9f2ef6907aa66aeec7b9a8-AI_NL_14595.jpg?1717028748"=
style=3D"outline: none; text-decoration: none; -ms-interpolation-mode: bi=
cubic; width: auto; max-width: 100%; clear: both; display: block;">
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<h2 style=3D"color: #666666; font-family: Helvetica=2C Arial=2C sans-s=
erif; font-weight: normal; line-height: 1.3; word-wrap: normal; font-size:=
22px; margin: 0 0 12px; padding: 0;" align=3D"left">Use EOFY to set your=
next 12 months up for success</h2>
<p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-=
serif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0 0=
10px; padding: 0;" align=3D"left"><strong>At this time of year=2C many pr=
operty investors feel overwhelmed by the extra tax admin suddenly looming=
over them. However=2C if you switch your wintery end of financial year (E=
OFY) mindset to a sunnier new year one=2C you might find plenty of ways to=
plan for a more profitable future at the same time as you close off the y=
ear. Here are some ideas to get you excited about doing that admin.</stron=
g></p> <p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans=
-serif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0=
0 10px; padding: 0;" align=3D"left">First up=2C you can=E2=80=99t do anyt=
hing if your paperwork is a mess. If you routinely find yourself drowning=
in a...
<a href=3D"https://onelifefinancial.us5.list-manage.com/track/click?u=
=3D1876d32ba8fca12be8d2ff2fb&id=3D7b3bdd9e6c&e=3Da1eeea4af2" style=3D"col=
or: #666666; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: n=
ormal; text-align: left; line-height: 1.3; text-decoration: none; margin:=
0; padding: 0;">Read more</a>
</p>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<hr style=3D"border-top-width: 1px; border-top-color: #aaa; border-top=
-style: solid; margin: 0 1em 1.5em;">
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<img alt=3D"Investment Property: Getting it right" src=3D"https://ddwf=
sentcju8u.cloudfront.net/image_attachments/data/000/035/148/small/f636324a=
94a5aa1785aa794feab3eea97e598cdf-AI_NL_14586.jpg?1717032370" style=3D"outl=
ine: none; text-decoration: none; -ms-interpolation-mode: bicubic; width:=
auto; max-width: 100%; clear: both; display: block;">
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<h2 style=3D"color: #666666; font-family: Helvetica=2C Arial=2C sans-s=
erif; font-weight: normal; line-height: 1.3; word-wrap: normal; font-size:=
22px; margin: 0 0 12px; padding: 0;" align=3D"left">Investment Property:=
Getting it right</h2>
<p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-=
serif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0 0=
10px; padding: 0;" align=3D"left">With property remaining a high-priced a=
sset=2C it=E2=80=99s more important than ever for investors to ensure thei=
r property investments are a financial success.</p> <p style=3D"color: #0a=
0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal;=
line-height: 1.3; font-size: 16px; margin: 0 0 10px; padding: 0;" align=
=3D"left">The latest data demonstrates property=E2=80=99s popularity. One-=
in-five households (21%) owns a home in addition to their usual residence.=
<sup>i</sup></p> <p style=3D"color: #0a0a0a; font-family: Helvetica=2C Ari=
al=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px;=
margin: 0 0 10px; padding: 0;" align=3D"left">Maximising taxation benefit=
s is one key element but the ATO recently found 9 out of 10 returns were i=
ncorrect=2C so it=E2=80=99s essential to check your paperwork as we approa=
ch the end of the financial year.<sup>ii</sup></p> <h3 style=3D"color: #00=
7CBA; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal;=
line-height: 1.3; word-wrap: normal; font-size: 18px; margin: 20px 0 12px=
; padding: 0;" align=3D"left">Get your structure right</h3> <p style=3D"co=
lor: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight:=
normal; line-height: 1.3; font-size: 16px; margin: 0 0 10px; padding: 0;"=
align=3D"left">As with any investment asset=2C ensuring the right ownersh=
ip structure for a property...
<a href=3D"https://onelifefinancial.us5.list-manage.com/track/click?u=
=3D1876d32ba8fca12be8d2ff2fb&id=3Dda7e4325b3&e=3Da1eeea4af2" style=3D"col=
or: #666666; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: n=
ormal; text-align: left; line-height: 1.3; text-decoration: none; margin:=
0; padding: 0;">Read more</a>
</p>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<hr style=3D"border-top-width: 1px; border-top-color: #aaa; border-top=
-style: solid; margin: 0 1em 1.5em;">
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<img alt=3D"How to end the financial year on a high note" src=3D"https=
://ddwfsentcju8u.cloudfront.net/image_attachments/data/000/035/129/small/e=
f2d4867a4c0d053e721febcba53ada0a5f3243b-AI_NL_14585.jpg?1716443933" style=
=3D"outline: none; text-decoration: none; -ms-interpolation-mode: bicubic;=
width: auto; max-width: 100%; clear: both; display: block;">
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
ding: 0;" align=3D"left">
<th class=3D"small-12 large-12 columns first last" style=3D"width: 564px=
; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0; paddi=
ng: 0;" align=3D"left">
<h2 style=3D"color: #666666; font-family: Helvetica=2C Arial=2C sans-s=
erif; font-weight: normal; line-height: 1.3; word-wrap: normal; font-size:=
22px; margin: 0 0 12px; padding: 0;" align=3D"left">How to end the financ=
ial year on a high note</h2>
<p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-=
serif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0 0=
10px; padding: 0;" align=3D"left"><strong>As the financial year draws to=
a close=2C it's the perfect time to review your financial affairs and set=
the stage for a successful new financial year. By taking care of essentia=
l tasks and implementing strategic planning=2C you can position yourself f=
or a smooth transition and a strong start for the year to come.</strong></=
p> <h3 style=3D"color: #007CBA; font-family: Helvetica=2C Arial=2C sans-se=
rif; font-weight: normal; line-height: 1.3; word-wrap: normal; font-size:=
18px; margin: 20px 0 12px; padding: 0;" align=3D"left">Topping up super</=
h3> <p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-se=
rif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0 0 1=
0px; padding: 0;" align=3D"left">One important item for the To Do list is=
to top up your super with either concessional (pre-tax) or non-concession=
al (post-tax) contributions. For example=2C you could make a voluntary con=
cessional contribution up to the limit...
<a href=3D"https://onelifefinancial.us5.list-manage.com/track/click?u=
=3D1876d32ba8fca12be8d2ff2fb&id=3D66ce88914b&e=3Da1eeea4af2" style=3D"col=
or: #666666; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: n=
ormal; text-align: left; line-height: 1.3; text-decoration: none; margin:=
0; padding: 0;">Read more</a>
</p>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<hr style=3D"border-top-width: 1px; border-top-color: #aaa; border-top-s=
tyle: solid; margin: 0 1em 1.5em;">
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collap=
se; vertical-align: top; text-align: left; width: 100%; position: relative=
; display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pa=
dding: 0;" align=3D"left">
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; color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weig=
ht: normal; line-height: 1.3; font-size: 16px; margin: 0 auto; padding: 0=
16px 16px;" align=3D"left"><table style=3D"border-spacing: 0; border-coll=
apse: collapse; vertical-align: top; text-align: left; width: 100%; paddin=
g: 0;"><tbody><tr style=3D"vertical-align: top; padding: 0;" align=3D"left=
">
<th style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C sans-serif=
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<strong class=3D"email" style=3D"">Onelife Financial<br></strong><p class=
=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=2C san=
s-serif; font-weight: normal; line-height: 1.3; font-size: 16px; margin: 0=
0 10px; padding: 0;" align=3D"left">Suite 806<br>251 Oxford St<br>Bondi J=
unction NSW 2022<br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><a href=3D"https://onelifefin=
ancial.us5.list-manage.com/track/click?u=3D1876d32ba8fca12be8d2ff2fb&id=3D=
2aadc1219b&e=3Da1eeea4af2" target=3D"_blank" style=3D"color: #666666; fon=
t-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-alig=
n: left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;">=
https://www.linkedin.com/in/danielgrusd/</a><br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><a href=3D"https://onelifefin=
ancial.us5.list-manage.com/track/click?u=3D1876d32ba8fca12be8d2ff2fb&id=3D=
f548e75bcc&e=3Da1eeea4af2" target=3D"_blank" style=3D"color: #666666; fon=
t-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-alig=
n: left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;">=
https://www.linkedin.com/in/craig-jaffe-8240611b/</a><br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><a href=3D"https://onelifefin=
ancial.us5.list-manage.com/track/click?u=3D1876d32ba8fca12be8d2ff2fb&id=3D=
8146aff28a&e=3Da1eeea4af2" target=3D"_blank" style=3D"color: #666666; fon=
t-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-alig=
n: left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;">=
https://au.linkedin.com/in/marisahoffenberg</a><br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><b>P</b> 02 8358 4888<br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><b>E</b> <a href=3D"mailto:in=
fo@onelifefinancial.com.au" target=3D"_blank" style=3D"color: #666666; fon=
t-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-alig=
n: left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;">=
info@onelifefinancial.com.au</a><br></p>
<p class=3D"email" style=3D"color: #0a0a0a; font-family: Helvetica=2C Aria=
l=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; m=
argin: 0 0 10px; padding: 0;" align=3D"left"><b>W</b> <a href=3D"https://o=
nelifefinancial.us5.list-manage.com/track/click?u=3D1876d32ba8fca12be8d2ff=
2fb&id=3D858c88a710&e=3Da1eeea4af2" target=3D"_blank" style=3D"color: #66=
6666; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal;=
text-align: left; line-height: 1.3; text-decoration: none; margin: 0; pad=
ding: 0;">https://onelifefinancial.com.au</a><br></p>
<a style=3D"display: inline-block !important; color: #666666; font-family:=
Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-align: left;=
line-height: 1.3; text-decoration: none; margin: 0; padding: 0;" href=3D"=
https://onelifefinancial.us5.list-manage.com/track/click?u=3D1876d32ba8fca=
12be8d2ff2fb&id=3D9de39478be&e=3Da1eeea4af2" target=3D"_blank"><img src=
=3D"https://ddwfsentcju8u.cloudfront.net/assets/mailchimp/facebook-467fc23=
4dd3803b46725460416c48718fcf47c7eac5d71d742ae959f151125d4.png" style=3D"ou=
tline: none; text-decoration: none; -ms-interpolation-mode: bicubic; width=
: auto; max-width: 100%; clear: both; display: block; border-style: none;"=
></a> <a style=3D"display: inline-block !important; color: #666666; font-f=
amily: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-align:=
left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;" hr=
ef=3D"https://onelifefinancial.us5.list-manage.com/track/click?u=3D1876d32=
ba8fca12be8d2ff2fb&id=3D39116a6948&e=3Da1eeea4af2" target=3D"_blank"><img=
src=3D"https://ddwfsentcju8u.cloudfront.net/assets/mailchimp/twitter-1afe=
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dth: auto; max-width: 100%; clear: both; display: block; border-style: non=
e;"></a> <a style=3D"display: inline-block !important; color: #666666; fon=
t-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; text-alig=
n: left; line-height: 1.3; text-decoration: none; margin: 0; padding: 0;"=
href=3D"https://onelifefinancial.us5.list-manage.com/track/click?u=3D1876=
d32ba8fca12be8d2ff2fb&id=3Daf6a3f2478&e=3Da1eeea4af2" target=3D"_blank"><=
img src=3D"https://ddwfsentcju8u.cloudfront.net/assets/mailchimp/linkedin-=
f6981336544de7a11ecd9534a594a8e12d8b061f11eb077156815cab083a300a.png" styl=
e=3D"outline: none; text-decoration: none; -ms-interpolation-mode: bicubic=
; width: auto; max-width: 100%; clear: both; display: block; border-style:=
none;"></a> <p style=3D"color: #0a0a0a; font-family: Helvetica=2C Arial=
=2C sans-serif; font-weight: normal; line-height: 1.3; font-size: 16px; ma=
rgin: 0 0 10px; padding: 0;" align=3D"left"><br></p>
</div>
</th>
<th class=3D"expander" style=3D"visibility: hidden; width: 0; color: #0a0a=
0a; font-family: Helvetica=2C Arial=2C sans-serif; font-weight: normal; li=
ne-height: 1.3; font-size: 16px; margin: 0; padding: 0;" align=3D"left"></=
th>
</tr></tbody></table></th>
</tr></tbody></table>
<table class=3D"row" style=3D"border-spacing: 0; border-collapse: collapse=
; vertical-align: top; text-align: left; width: 100%; position: relative;=
display: table; padding: 0;"><tbody><tr style=3D"vertical-align: top; pad=
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<span class=3D"shorter" style=3D"line-height: 12px; font-size: 8px; paddin=
g-bottom: 12px;">Daniel Grusd of Onelife Wealth Management Pty Ltd (ACN 13=
9 437 513) is an authorised representative of One Licence Pty Ltd=2C AFS L=
icence No 535095. Trading as Onelife Financial=2C Suite 806=2C 251 Oxford=
St=2C Bondi Junction NSW 2022. <br></span><span class=3D"shorter" style=
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fically indicated=2C the information contained in this newsletter is gener=
al in nature and does not take into account your personal situation. You s=
hould consider whether the information is appropriate to your needs=2C and=
where necessary=2C seek personal advice from a financial adviser=E2=80=99=
=2E<br></span>
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Onelife Financial · Po Box=
2313 · Bondi Junction · Sydney=2C NSW 1355 · Austral=
ia
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