建议案例研究声明范围此适用于财务计划文凭咨询系列任务diploma case study.pdfVIP

StatementofAdviceCaseStudy

ScopeThiscasestudyisapplicabletotheDiplomaofFinancialPlanning

StatementofAdviceseriesoftasks.

CaseStudyYouareanauthorisedrepresentativeofafull-servicelicenseddealer

group,MentorFinancialPlanningPtyLtd.DennisandDonnaBarker

havecomeintoseeyoutoaskforyourassistancetoplanouttheirnext

sevenyearsandthenhelpthemsettleintoretirement.

Donna(aged53)andDennis(aged52)havebeenmarriedfor29years

andliveatLot3WattleRoad,Hurstbridge,Victoria.Theironlychild,a

daughter,Megan,istandhastwochildren.

Donnahasrecentlybeenpromotedbyheremployer,BestMarketing,

andnowearns$90,000p.a.workingfulltime.Shehasheardabout

salarysacrificeandthinksthismightbeagoodideatohelpbuildfunds

forherretirement.Theonlycontributionscurrentlybeingmadetoher

superisheremployerSuperannuationGuaranteeContributionsof

9.25%ofhersalary.Thisisinadditiontoher$90,000income.The

fundisabalancedretailsuperannuationfund,MMSuperannuation.Her

currentbalanceis$220,000andearnsoage7%p.a.afterfees

andtaxes.Shealsohas$100,000intermlifeandTPDinsurancecover

withinhersuperannuationfund.ShedrivesanewLandCruiserthatis