Home' South Gippsland Sentinel-Times : February 21, 2017 Edition Contents PAGE 28 - THE SOUTH GIPPSLAND SENTINEL-TIMES, TUESDAY, FEBRUARY 21, 2017
Banfields Aged Care
192 Thompson Avenue Cowes VIC 3922
03 5951 2500 www.banfields.com.au
AGED CARE GROUPPTY LTD
Banfields Aged Care is a world-class residential facility situated right within the heart of Cowes
offering the ultimate in luxury living. Set amongst beautiful landscaped gardens in the grounds of the
former Banfields cinema and restaurant complex, Banfields Aged Care is a state-of-the-art residential
aged care facility with hotel-style amenities. The single level facility provides care to 90 residents with
ageing in place programs offering all levels of care. We also offer dementia specific care in a dedicated
14 bed dementia specific wing. The spacious and elegant facility consists of six separate wings, adjoining
central lounges, café, bar, reception centre and provides an extensive range of services to assist residents
in remaining active and engaged.
We provide a positive working environment for our aged care professionals, involving ongoing education
on industry developments. Our friendly team is dedicated to providing you with the very highest
standard of aged care.
n Single, spacious rooms with ensuite bathrooms
and comfortable living area
n Ageing in place programs
n Suites with fully equipped kitchenettes and
lounge area for a larger style of living
n Spacious lounge, sitting and dining areas
within the fully air conditioned facility
n Individually controlled heating and air
conditioning in every room
n Telephone and Foxtel connection points
in every room
n Ample car parking
n Courtyards and outdoor sitting areas
n Covered pedestrian walkways
n Hairdressing & Beauty Salon
n Chapel (non-denominational)
n Theatre / Cinema
n Café and Bar
n Physiotherapy room and Gym
n LED TV screens in every room
n Men’s Shed
n Dedicated bus for resident outings
To discuss your individual requirements and
experience the Banfields Aged Care lifestyle
firsthand, please phone (03) 5951 2500
or visit www.banfields.com.au
Exceptional Care Built on Solid Foundations
0000 AACG Banfields 188x270mm advertFeb2017_PFO2.indd 1
16/02/2017 4:50 pm
Retire & Wealth Planners Pty Ltd ABN 14 103 641 747 is an authorised representative and credit representative of
AMP Financial Planning Pty Limited Australian Financial Services Licensee and Australian Credit Licensee No. 232706.
Enjoy Your Future
Good financial advice can help you understand how to maximise your income
in retirement, minimise tax and maximise government benefits. Now you can
focus in looking forward to the future!
Call us now: Retire & Wealth Planners Pty Ltd
5658 1020 (by appointment)
By AMP financial adviser Luke Jones
of Retire & Wealth Planners*
A RECENT AMP.NATSEM report, ‘ Going the
distance: Working longer, living healthier’ ,
has found that although the pension age may
rise to 70 if the government’s proposed legis-
lation passes, many people in their 60s sim-
ply aren’t going to be healthy enough to work
The report found that in 2035 one in four
men and one in five women aged 60-69 are
expected to assess their health as ‘fair’ or
‘poor’ – and you can bet the chances of them
working will be slim.
In fact, it’s predicted that less than one in
three men and less than one in seven women
with fair or poor health are likely to be em-
So, how can these people save enough money
now, when they are healthy, to self-fund an ear-
lier retirement down the track?
Here’s our essential guide to the retirement
Know how much you need to live on in re-
tirement and put a plan in place
How much money will you need each month
when you retire?
To work it out quickly, just visit the ‘What’s
my number?’ calculator at http://bit.ly/1eezTkm
and you can see how much you’re likely to need
in retirement, how much you’re likely to have
when you retire and if there’s any shortfall.
Many of us will have a gap – so don’t stress if
Once you know your position, you can take
steps to improve it. A financial adviser can help
you do this in ways that suit you and your life
and help create a workable and tailored plan.
Make the most of salary sacrifice
Not all employers offer salary sacrificing but
those who do offer a great retirement saving
benefit to their staff.
Salary sacrifice is an arrangement whereby,
with your permission, your employer puts a
certain portion of your earnings each pay di-
rectly into your superannuation before that
money is taxed.
As well as adding to your super balance, this
also effectively reduces your taxable income.
Limits do apply so it’s important to get some
good advice here.
Make extra contributions into super
Even if you can’t salary sacrifice, you can still
consider making personal contributions into
Making extra contributions will help boost
your nest egg.
Remind yourself that by working and sav-
ing hard now you’ll reap the rewards down the
track when you’re no longer able to work.
Review your asset allocation in super and
check how you’re invested
Think back to the investment allocation box
you ticked on your super forms – or call your
fund to check if you’re invested in an age-ap-
If you ticked balanced or conservative and
you still have 20+ years to work, you could po-
tentially miss out on earning thousands of dol-
Of course, as you get closer to retirement, you
may want to become more conservative with
the way your super is invested.
By getting pro -active as soon as possible with
your super savings, you can avoid financial
stress in your golden years, at a time when your
health may not allow you to work.
Remember that it’s a wise decision to make
as much retirement hay as you can while your
working sun still shines.
*Luke Jones of Retire & Wealth Planners Pty
Ltd are authorised representatives and credit
representatives of AMP Financial Planning Pty
Limited, Australian Financial Services Licens-
ee and Australian Credit Licensee.
This editorial 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 mak-
ing any decisions based on this information.
Make more retirement
hay while sun shines
THE Phillip Island Community Men’s Shed
volunteers recently had a big surprise arrive
at their door thanks to a generous donation
from the Berwick TEC at Chisholm Institute,
The Phillip Island Men’s Shed is diligent in
its work health and safety practices across
its two sheds and insists that its volunteers
wear safety equipment at all times.
As a result of the donation of ear muffs,
volunteers can prevent hearing loss (or any
further hearing loss!).
Men’s Shed coordinator Terry Heffernan
said the wood working ‘boys’ are also ex-
tremely appreciative of the dozen chisels also
donated which will be put to use with the
many and varied carpentry projects on the go.
“Thanks again to Peter Sells, manager at
Berwick TEC for the generous donation which
will be much appreciated by the volunteers.
“The Phillip Island RSL looks forward to
continuing its relationship with Chisholm
Institute, with its Wonthaggi campus set to
launch its new Tourism & Hospitality cours-
es in March 2017.”
Community projects, repairs and resto-
rations are always welcome – contact Terry
Heffernan on 0438 808 428.
Berwick TEC supports
Island Men’s Shed
Men’s Shed coordinator, Terry Heffernan
with the donated items.
Luke Jones, Financial Planner, Retire &
VISIT OUR WEBSITE www.sgst.com.au
Enjoy your Retirement
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