Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
JV logo
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Disclaimer
Important Notice
RI Advice Group Pty Ltd, ABN 23 001 774 125, holds Australian Financial Services License Number 238429 and is licensed to provide financial product advice and deal in financial products such as: deposit and payment products, derivatives, life products, managed investment schemes including investor directed portfolio services, securities, superannuation, Retirement Savings Accounts.
The information presented in this seminar is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based on their own circumstances.
RI Advice Group Pty Ltd | ABN 23 001 774 125 AFSL 238429
5

Example: David and Sandra
• Inflow o o o
Wages of $125,000 + $72,000
Lump sum inheritance - $15,000
Tax refund - $1,500
• Outflow o Mortgage - $625pf on $200,000 debt o o
Bills - $450pw
Weekly costs
– fuel $150, food $500, cash $100 o Holidays - $10,000 pa and renovations - $5,000pa

Example: David and Sandra
IN
Salary / wages
Investment
Irregular
Debt blowouts & savings drawdowns
$ 143,916
$ -
$ 16,500
$ -
TOTAL
Missing cash flow
$ 160,416
$ 66,766
Bills
Weekly spend
Debt repayment
Investment
Irregular
OUT
TOTAL
$ 23,400
$ 39,000
$ 16,250
$ -
$ 15,000
$ -
$ 93,650

Example: David and Sandra
What can I do with my money?
Key assumptions
Client name:
David & Sandra’s marginal tax rate
Current date
Debt rate term frequency minimum pmt per period actual pmt additional pmt per period annual total payments
David &
Sandra
39.00%
01/04/15
200,000
5.00%
25
26
-$539.32
625
1000
42,250
250 000
200 000
150 000
100 000
50 000
-
-50 000 апр.15
This is only $26,000 of the “missing” $66,000 апр.19
Mortgage апр.23
апр.27
Std Pmts
Extra Pmts апр.31
апр.35
Mortgage & investment comparison
Maturity
Normal payment schedule
With extra payments
Savings
12/05/2034
18/08/2020
Payments made
497
140
357
Years of payments
19.12
5.38
13.73
Total payments Capital repaid Interest paid
$310,625
$227,500
$200,000
$200,000
$110,625
$27,500
$83,125

Example: David and Sandra
Investing the payments saved
Assumed annual earning rate before tax
Gross value of the 357 payments saved
Value of the 357 payments of $1625 if invested pre-tax in super over 13.7 years
Value of the 357 payments of $1625 if invested outside super over13.7 years
Value of 497 payments of $1000 invested pre-tax in super over 19.1 years
Value of 497 payments of $1000 invested outside super 19.1 years
9%
$580,125
$1,427,111
$864,557
$1,566,031
$877,501
Combined
Mortgage over 13.7 yrs
Extra
$1000 pf over 19.1 yrs

Irregular
Behaviour and Structure
Does this look familiar?
David’s wages
Sandra’s wages
Acct 1
M/C
AMEX
VISA
VISA
Acct 2
Wages eSaver eSaver
Holidays
Food & Fuel Bills
Cash Wdwl
Mortgage

Behaviour and Structure
Step 1: A sensible structure
Salary / wages
$315 pw + ad hoc
Mortgage
$850 pm
Car loan
Hub account
Offset
Tax refunds,
Inheritance etc
$300 pw
$450 pw
Bills
Float $1,000
DDR &
BPay
$50 pw
Weekly (David)
Float $1,000
[SAV] [CHQ]
$700 pw
Weekly (Sandra)
Float $1,000
[SAV]
[CHQ]
Irregular
Float $100
David debit card
Sandra debit card

The RI cash flow management solution
Step 2: Tracking and measuring
Measuring the outcomes of your cash flow plan
Tracking your expenses through RI Moneysoft
12

The RI cash flow management solution
Step 3: Your goals
Take a few months off work and travel the world
Save for my dream wedding
Have a baby and retain my comfortable lifestyle
Buy an investment property
Upgrade my lifestyle
Debt consolidation
Buy my first home
Buy a new car
13

The RI cash flow management solution
What’s next? Building and protecting what you have
Once you have set the foundations for managing your finances you can look at other wealth management strategies including:
• Investment opportunities.
• Your personal protection plan.
• Your retirement plans – even if you are not ready to think about these yet, having a long term strategy will put you ahead of the game.
Build a better lifestyle Protect your family Retirement planning
14

Disclaimer
Important Notice
RI Advice Group Pty Ltd, ABN 23 001 774 125, holds Australian Financial Services Licence Number 238429 and is licensed to provide financial product advice and deal in financial products such as: deposit and payment products, derivatives, life products, managed investment schemes including investor directed portfolio services, securities, superannuation, Retirement Savings Accounts.
The information presented in this seminar is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based on their own circumstances.
RI Advice Group Pty Ltd | ABN 23 001 774 125 AFSL 238429
15

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Cash flow management presentation slides
<Adviser’s Name>
JV logo
<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Disclaimer
Important Notice
RI Advice Group Pty Ltd, ABN 23 001 774 125, holds Australian Financial Services License Number 238429 and is licensed to provide financial product advice and deal in financial products such as: deposit and payment products, derivatives, life products, managed investment schemes including investor directed portfolio services, securities, superannuation, Retirement Savings Accounts.
The information presented in this seminar is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based on their own circumstances.
RI Advice Group Pty Ltd | ABN 23 001 774 125 AFSL 238429
21

Example: David and Sandra
• Inflow o o o
Wages of $125,000 + $72,000
Lump sum inheritance - $15,000
Tax refund - $1,500
• Outflow o Mortgage - $625pf on $200,000 debt o o
Bills - $450pw
Weekly costs
– fuel $150, food $500, cash $100 o Holidays - $10,000 pa and renovations - $5,000pa

Example: David and Sandra
IN
Salary / wages
Investment
Irregular
Debt blowouts & savings drawdowns
$ 143,916
$ -
$ 16,500
$ -
TOTAL
Missing cash flow
$ 160,416
$ 66,766
Bills
Weekly spend
Debt repayment
Investment
Irregular
OUT
TOTAL
$ 23,400
$ 39,000
$ 16,250
$ -
$ 15,000
$ -
$ 93,650

Example: David and Sandra
What can I do with my money?
Key assumptions
Client name:
David & Sandra’s marginal tax rate
Current date
Debt rate term frequency minimum pmt per period actual pmt additional pmt per period annual total payments
David &
Sandra
39.00%
01/04/15
200,000
5.00%
25
26
-$539.32
625
1000
42,250
250 000
200 000
150 000
100 000
50 000
-
-50 000 апр.15
This is only $26,000 of the “missing” $66,000 апр.19
Mortgage апр.23
апр.27
Std Pmts
Extra Pmts апр.31
апр.35
Mortgage & investment comparison
Maturity
Normal payment schedule
With extra payments
Savings
12/05/2034
18/08/2020
Payments made
497
140
357
Years of payments
19.12
5.38
13.73
Total payments Capital repaid Interest paid
$310,625
$227,500
$200,000
$200,000
$110,625
$27,500
$83,125

Irregular
Behaviour and Structure
Does this feel familiar?
Wages1
Wages2
Acct 1
M/C
AMEX
VISA
VISA
Acct 2
Wages eSaver eSaver
Holidays
Food & Fuel Bills
Cash Wdwl
Mortgage

Behaviour and Structure
Step 1: A sensible structure
Salary / wages
Mortgage
Car Loan
$315 pw + ad hoc
$850 pm
Hub Account
Offset
Tax refunds,
Inheritance etc
$300 pw
$450 pw
Bills
Float $1,000
DDR &
BPay
$50 pw
Weekly (Dad)
Float $1,000
[SAV] [CHQ]
$700 pw
Weekly (Mum)
Float $1,000
[SAV]
[CHQ]
Irregular
Float $100
Person 1 debit card
Person 2 debit card

The RI cash flow management solution
Step 2: Tracking and measuring
Measuring the outcomes of your cash flow plan
Tracking your expenses through RI Moneysoft
27

The RI cash flow management solution
Step 3: Your goals
Boost my super so I can retire sooner
Pay off the mortgage
Take control of my finances
Debt consolidation
Understand my cost of living
Save for private school fees
Buy a new car
Put some money aside for future grandchildren
28

The RI cash flow management solution
What’s next? Growing and protecting what you have
Once you have set the foundations for managing your finances you can look at other wealth management strategies including:
• Investment opportunities.
• Your personal protection plan.
• Your retirement plans.
Enjoy what you have Protect your lifestyle Your retirement strategy
29