Once again thank you for taking the time to read our newsletter. You may find some of the articles of interest or at least educational.

Well its Christmas time already. We say it every year but it does seem the year has only just started and yet here we are at the end again.

The GFC has been the most talked about and influential event of the year, we technically avoided recession however interest rates and grocery price increases are certainly taking their toll on most people’s budgets, since March the share market has recovered by close to 40% returning some value back to our superannuation and investments. GTM Financial relocated office, I guess a change is as good as a holiday and water restrictions have been lifted in part I am sure due to the number of GTM Financial umbrellas being used this year.

This festive season GTM Financial would like to thank you for your support, without you our business would not exist, without you our days would lack substance and purpose, that is why we look forward to working with you in the new year. Please stay safe, enjoy the Christmas period, do at least one thing that really excites you and please come back in the new year and use at least one of our services. We will make sure it is a pleasant experience.

GTM Financial is all about planning for the future by preparing today.

Some of our services are listed below and remember if we cannot arrange the service our selves we have a range of business partners who can assist:

Thank you once more. Gavin Moore – Director of GTM Financial Pty Ltd and Authorised representative of Matrix Planning Solutions 07 3272 6588 This e-mail address is being protected from spam bots, you need JavaScript enabled to view it
The clouds of the financial storm are clearing as it seems the worst of the crisis is now behind us. Following the events of 2008, many investors have understandably shied away from the sharemarket. When markets bounce back We all know equity markets rise and fall. However the recent market correction has worn down many investors.
Feature Fund: NF330 Next Financial, NF330 Instalments are a dynamic and flexible investment that can give you access to growth and dividends from leading shares without the risk of capital loss.
All Ordinaries Index Calender Year 2009 A net 26.12% Gain this Calendar Year     Share Income can be Tax-Effective The income you receive from shares can be very tax effective. This is because Australian share income is taxed favourably through ‘dividend imputation’.
It won't happen to me It’s easy to take your health for granted – particularly when you’re fit and active. But everyone knows someone who’s experienced a serious illness or accident. You know it happens. And it can happen at any age.       The Alternatives to life Insurance Why do we have life insurance? The answer is simple – it is the most cost-effective method of providing individuals with cash when they need it most - in times of crisis.
Salary Sacrifice When you salary sacrifice to super, you divert part of your pre-tax salary into your super account. So instead of receiving it as salary after tax is deducted, it is contributed directly to your super.
General Advice Warning “This advice is of a general nature only and does not take into account your circumstances or needs. You must decide if this information is suitable to your personal situation or seek advice. Prior to investing in any particular product, you should read the Product Disclosure Statement.”
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