Australian Financial Services Licence no.226244

Office Address
Unit 6, Level 1
206 Greenhill Road
Eastwood
South Australia 5063

Postal Address
PO Box 2161
Kent Town
South Australia 5071

Phone +61 (08) 8271 2688
Fax +61 (08) 8271 2633

Personal Choices

Education Savings Plans | Share Investing Made Easy | Divorce Settlements
Property Investments and Loans | Socially Responsible Investments

Education Savings Plans

Providing a quality education for children is a necessity in today's global employment market. These days, our graduates are competing for careers in medicine and IT against International students with double degrees. Who knows what level of qualifications will be the norm in another 20 years, but you need to be ready for it.

High mortgage payments and school fees can put an enormous strain on the household budget and personal relationships. Making provision for these future expenses
is simply common sense.

Contact us to discuss some innovative solutions for this common household issue.

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Share Investing Made Easy

Let the Johns & Grosser team help take the mystery out of the share market.

Investing in a Managed Share Fund can offer a cost effective way to gain experience in the Share Market - Australia's barometer for our economy and lifestyle.

Your regular contribution is pooled with other investors' funds and managed by a professional share investment firm. Regular payments also help smooth out investment returns that are caused by both good and bad news from individual companies listed on the stock exchange.

Hints and Tips:

Share tips discussed around a BBQ are best forgotten.
Not even the most experienced professional investors get the highs and lows right all the time.
Shares which perform well last year will not automatically do well this year.
Business profits work in cycles, and their share price is a reflection of where that company sits in the business cycle.
Managed funds spread their money across a number of companies, which means they have a lower risk profile than investing in a single company.

Further Information about share investing can be found at the Australian Stock Exchange www.asx.com.au.

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Divorce Settlements

Divorce is not something that most couples have planned for, and it affects almost all families directly and indirectly at some stage. There is rarely a more important time to seek a review of your financial situation than before a divorce settlement has occurred.

These hypothetical examples highlight some sticky situations that occur.

Bob and Julie had amicably agreed to a settlement of assets after being separated for 6 months. The settlement involved the sale of an investment property in Bob's name. No provision was made for the payment of capital gains tax in the settlement. This caused a dispute, lawyers were employed and three years later they were forced to sell the marital home to pay taxes and legal fees.
Sally and her non-working spouse, John, have a family home and a share portfolio subject to a divorce split. The house and a portion of the share portfolio were allocated to John and the remainder of the share portfolio to Sally – however, when it came to selling, Sally found that there was a considerable amount of capital gains tax to be paid at her marginal tax rate, whereas when John sold the house and shares, minimal capital gains were realised and paid at his minimum tax rate.
The owner of a small business employed his spouse in the business primarily for tax purposes. The owner disputed in court his wife's claim to half the value of the business as part of their divorce settlement as "she has never had any involvement in the business". He was forced to sell the business to payout her claim, taxes, penalties and interest from the subsequent income tax audit.

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Property Investments & Property Loans

Johns & Grosser Financial Services with their partner firms offer an excellent range of options to builde your property investment portfolio:

Property Syndicates can assist you to minimise the effect of income tax, capital gains tax and stamp duty. Our team represent syndicates effectively and deal with banks and other lending institutions.

We also take the hassle out of dealing with the ongoing financial management of properties, tax return and compliance issues.

Property Financing – interest rates, fees and charges for property loans can vary significantly between financiers. Johns & Grosser are highly experienced in sourcing the best property investment loan best suited to you, including:

Existing commercial or industrial properties (for own occupation or investment)
Construction and development loans
Rural property financing, including lifestyle properties.
Principal and interest or interest only loans with terms up to 25 years with negotiated repayments. Combinations of Fixed and Variable Interest rate options available.

Johns & Grosser's loan sourcing service is free. Contact Us now.

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Socially Responsible Investments

Johns & Grosser can custom design specific investment portfolios to suit investors who prefer to have minimal exposure to certain industries or companies.

You too can develop a personalised profile of ethical investments, best suited to direct share and property syndicate investments. Excellent returns have been generated by our ethical portfolios over the years.

A few examples of companies utilised in these portfolios:-

Native blue gum plantations to reduce Australia's reliance on harvesting native forests for woodchip exports.
Metal recycling companies
Alternative energy companies
Australian Primary Industries companies providing alternatives to live sheep exports.
Infrastructure companies providing leading edge technologies to reduce pollutants.
Medical Research companies developing alternative treatments for life threatening illnesses.
Resource friendly commercial property syndicates