Summer Newsletter 2015

Welcome to our Summer newsletter

Where has 2015 gone!

With Christmas just around the corner we provide some tips on planning for expenses over this happy and festive time.

This time of year is also when many young people leave school and embark on the next phase of their lives. We include an article from Paul Clitheroe discussing what they could be doing to build wealth.Just because your neighbours appear to be doing well may be misleading and trying to keep up can destroy your finances. This article is worth reading.

Also, if you are interested in behavioural finance, please read our article on the ‘Money Illusion’.Don't forget it’s also holiday time and we finish with some cost effective holiday ideas.

Our office will be closed from 12pm Friday the 18th of December 2015 and will re-open at 9am on Monday the 18th of January 2016, however if you need anything over this time please contact me on my mobile on 0412 075 013.

If you have any other matters you would like to discuss before we close for this year, please contact the office on 07 5495 8007 or by reply email.

Thanks,

Tim

Tim Rychvalsky

Principal

ISIS Financial Planners Pty Ltd Trading As ISIS Financial Planners

Disclaimer: Any advice contained in this email is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regards to those matters. This email, including any attachments, may contain information that is confidential, commercially sensitive and may be subject to legal privilege. If you are not the intended recipient you must not read, use, disseminate, distribute or copy any part of this email, disclose its contents to any other party, or take any action in reliance on it. If you have received this email in error, please contact the sender immediately and delete this email. Timothy Rychvalsky does not warrant that this email or any attachments are free from viruses or other defects. Please ensure that you check for viruses and defects prior to opening any attachments.

Cube Strategic Partners Pty Ltd trading as Cube Strategies, ABN 83 109 371 182

Authorised repesentative and credit representative of AMP Financial Planning Pty Ltd

Disclaimer: Any advice contained in this email is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regards to those matters. This email, including any attachments, may contain information that is confidential, commercially sensitive and may be subject to legal privilege. If you are not the intended recipient you must not read, use, disseminate, distribute or copy any part of this email, disclose its contents to any other party, or take any action in reliance on it. If you have received this email in error, please contact the sender immediately and delete this email. Timothy Rychvalsky does not warrant that this email or any attachments are free from viruses or other defects. Please ensure that you check for viruses and defects prior to opening any attachments.

Unit 17, Axis Industrial Park, 23-25 Skyreach St
PO Box 1002, Caboolture QLD 4510
07 5495 8007

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