A LETTER FROM DARRYN Welcome to our Autumn Newsletter. With the swell picking up and
some beautiful autumn weather upon us, it’s a great time to live by
the coast.
The last few months have been busy, but extremely rewarding for
the Coastline team. We have been involved in some
fantastic events, volunteering programs and sponsorships which
has allowed us to give back to our community. Our partnership with
Surfing Victoria for the Victorian Masters was a great success. A
range of local and interstate surfers put on a show for the Surf
Coast community. One of which was our very own Mike Brussel who
competed in the Single Fin comp against former world number two
in the world Brad Gerlach. We also volunteered with Habitat for
Humanity and raised necessary funds for the Danii Type one
diabetes awareness foundation.
As for myself, the last few months have kept me on my toes. I have
spent more time in the Wonthaggi office, re-connecting with clients
and the wonderful community. The Easter break has been time well
spent relaxing with my family. We have enjoyed beach days, surfing
and down time to keep life in balance.
Coastline are fresh and back to work after the Easter break. We
hope clients enjoyed a safe and happy Easter with loved ones.
DARRYN JACOBS Director
WELCOME TO OUR AUTUMN 2019 NEWSLETTER
COASTLINE COMMUNITY
1.COASTLINE ADVICE AUTUMN NEWSLETTER
HABITAT FOR HUMANITY In February, Mike brushed off his building tools and made his
way to Yea to embark on what would be a life changing event
for two disadvantaged families. He volunteered with the Habitat
for Humanity organization which works with the most vulnerable
families in Australia to build new homes and new hope.
Mike spent two days working on the homes. He explained, “It was
great to dust the cobwebs off the tools for a good cause. Although
it was hard work, it was extremely rewarding. I myself have two
young girls, so knowing that I have helped another family create a
safe environment for their young daughter to grow up in is really
special. This family now have a sense of security and belonging;
something we are all entitled to.”
2.COASTLINE ADVICE AUTUMN NEWSLETTER
MEET DANIEL WALSH FINANCIAL ADVISER & FINANCE MANAGER “Never get so busy making a living that you forget to make a life”.
Coastline are delighted to introduce you to our new Adviser Daniel
Walsh. You may already recognise Daniel as he has been our
Operations Manager for the past two and a half years. Adding to
his calibre of skills, Daniel has transitioned into an advisory role
saying “Financial Advice was a natural extension to my accounting
background and one that has evolved over time. Having worked
in the Operations Manager role in the past, I was envious of the
relationships the Advisers had built with their clients and the
impact they were able to have on their lives.” The Coastline team
are thrilled to have Daniel as an adviser, with Director Darryn
Jacobs sharing “Daniel has become such an important part of the
Coastline culture and business. He brings with him a wealth of
knowledge and skills. His ability to understand and empathize with
people in our community is one of the many reasons he will excel
as an Adviser”.
COASTLINE HELP RYAN LEE ACHIEVE DREAM Coastline are proud to sponsor local tennis protégé Ryan Lee.
Ryan is a local Geelong boy who lives and breathes tennis. At the
ripe age of 16, he qualified for the 18 years and under Victorian
team where he competed in the National Championships.
Daniel has 15 years of experience in the Corporate Accounting world. He has worked with clients including Cotton
On, Cadbury and Fosters in both Australia and London. Working closely with the advisers whilst completing his
Diploma of Financial Planning, he is now fully equipped and has begun working with clients to achieve their
financial goals.
Originally from Bendigo, Daniel, his wife Brook and two young kids Lewi and Peggy now call Torquay home. Daniel’s
free time is spent with his family, often taking advantage of our beautiful local beaches and Surf Coast tracks. Daniel
has stayed a true North Melbourne fan, despite their rocky year. If you would like to know more about Daniel, see
our website for the full interview or contact our team.
Ryan along with the rest of the Victorian team went to Adelaide
between the 4th to the 11th of May where they competed against
players from across the country for the Pizzey Cup.
Team Victoria finished 5th overall and Ryan came home finishing
with the 2nd highest singles stats at 50% for the Team Vic boys.
Ryan is a prominent player in the local tennis community. Playing
in both section 1 Juniors and Seniors for Grovedale as well as
couching 3 times a week, you may have seen him on the court, or
perhaps even matched him.
We are proud to support Ryan on such a wonderful achievement
and wish to congratulate him on his hard work and successful
tennis career so far. Ryan Lee at the 2019 Inter Regionals
LIVE FOR THE MOMENT VS SAVE FOR THE FUTURE
3.COASTLINE ADVICE AUTUMN NEWSLETTER
Want to boost your financial well-being without giving up completely on being spontaneous? Get on top of your finances and enjoy life more at the same time with our five step guide to living in the moment while saving for the future.
Source: Money & Life (https://www.moneyandlife.com.au/budgetingandsaving/individuals/grow-your-wealth/live-for-the-moment-vs-save-for-the-future/) This document contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. If you decide to purchase or vary a financial product, your financial adviser, Coastline Advice, and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar amount and or a percentage of either the premium you pay or the value of your investment. Please contact us if you want more information.
Don’t be a slave to your savings
Mastering money starts with a budget and there’s no
doubt that feeling in control of your money is linked
to your overall well being. But you might be reluctant
to set a budget when it makes you feel like all your
money is spoken for. Life can seem very limited if you’ve
already decided on the exact destination for each and
every dollar.
So instead of becoming a slave to saving for the future,
here’s a five-step approach that keeps your options
open for doing some spontaneous spending once in
a while, without losing out on your future financial
stability as a result. 1. Get cash flow savvy Figuring out just where your money is going right now
night seem like a hassle. But it’s absolutely necessary
if you’re going to achieve your goal of saving and also
spending a little just for the sake of it. Understanding
your spending habits and patterns can shed some light
on where you’re spending more than you need to, so
you can start to make better choices with your dollars in
step 2.
Doing this weekly makes it much easier to take control
of cash flow. A week of overspending can be balanced
out quickly in the following week simply by making a
few small sacrifices.
2. Budget based on what matters Now it’s crunch time for making good on those cash
flow lessons you’ve been learning. By looking at where
your money has been going, you’ve got the knowledge
you need to stop spending on things that are less
important. This frees up more dollars for your savings
and what you really value.
Let’s take dining out for example. If you have your heart
set on an overseas holiday once a year, ask yourself if
weekly restaurant meals are as important? By cooking
at home for three out of every four Saturdays and saving
that money towards travel instead, you’re directing your
budget towards what matters to you.
3. Limit fixed commitments Having more to spend in the present also depends on
limiting how much of your income is already spoken for.
Mortgage and loan repayments, utility bills, insurance
premiums, memberships and subscriptions are all
regular payments that can add up to a big chunk of your
outgoings. While some of these are essential, avoiding
buying things on credit or using a loan can reduce your
ongoing costs and free up money to save towards your
goals or spend spontaneously.
4. Automate your savings Whether it’s saving for a new car – so you won’t have that
long-term commitment to paying off a loan plus interest
– a holiday, or just a rainy day, setting up separate
accounts for these goals helps you see that you’re making
progress. And making automatic deposits from your
income into these accounts is the ideal way to ensure
you’re making regular contributions towards your goals.
5. Plan to spend spontaneously As these savings balances start to grow, it can bring a
sense of freedom in your current and future spending
choices. Knowing your goals are getting closer allows you
to spend money freely and still be financially responsible
for your future. And if you want to look forward to a
guilt-free splurge, think about dedicating one of your
savings accounts to spontaneity. With a pot of cash on
hand to spend at will, you can enjoy ‘live in the moment’
experiences now and again without your future goals or
cash flow taking a hit.
We’re here to help At Coastline, we believe life is all about balance. If you
need help budgeting, get in contact, we’re here to help
with all your financial questions.
WHAT CAN YOU ACHIEVE TOMORROW, IF YOU START TODAY?
TORQUAY HEAD OFFICE
03 5264 7700
ANGLESEA OFFICE
03 5263 3964
OCEAN GROVE
03 5297 3000
BASS COAST
03562 1810
COASTLINE GETAWAYS
How can we help clients achieve their dream life if we don’t live it our self?
The last few months have been filled with some exciting
getaways from the Coastline team.
Associate Adviser Nathan Sharrock spent 10 days in
America. He started in NYC before fulfilling a life long
dream attending the 2019 Masters at Augusta National
golf club.
Likewise, Liam Russel also jetted off overseas. He spent
three weeks snowboarding in Japan, traveling between
iconic mountains Hakabu & Nozawa.
Gerry Owen and Daniel Weigl enjoyed some tropical
weather in Bali & Thailand, while Kate Gadd and Tayla
Edwards took advantage of the Australian scenery,
exploring Queensland and Tasmania.
Coastline Financial Group P/L (ABN 21 117 070 710) trading as Coastline Advice is an authorized and credit representative of AMP Financial Planning Pty Limited ABN 89 051 208 327, Australian Financial Services and Australian Credit Licence No. 232706. If you no longer wish to receive direct marketing for yourself, you may opt out by contacting Coastline Advice on (03) 5264 7700. You may still receive direct marketing material from AMP as a product issuer, bringing to your attentionproducts, offerings or other information that maybe relevant to you. If you no longer wish to receive thisinformation you may opt out by contacting AMP on 1300 157 173.’
Earlier this year, Coastline were pleased to host Legg
Mason’s National Business Development Manager,
Scott Bradley, for our client event. The event started
with a morning breakfast and catch up, followed by
an in-depth economic update and market outlook
presentation.
Scott reflected on the slowing growth of the
global economy in 2018, yet remained confident
in Australia’s market due to increasing population,
infrastructure and industrial capacity.
Clients and staff found the morning very insightful
and a great opportunity to discuss current economic
themes and how they may affect their own personal
finances.
We would like to thank everybody who attended the
seminar. The Coastline team thoroughly enjoyed the
morning and look forward to seeing everybody at
our next event. For those who could not attend, our
website includes a copy of Scott’s presentation. If
you have any questions or would like to recommend
a topic for our next seminar, please feel free to
contact our team.
COASTLINE CLIENT EVENT Economic Update & Market Outlook Seminar
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