This section of the website provides a collection of articles related to financial planning topics.  These articles were all written by Scott Francis.  They are separated into six topic areas:

• Financial Organisation
• Financial Planning Strategy
• Investments
• Retirement Strategies
• General Topics
• Responses to Current Media Stories

Before reading any of the topics, it is important that you read and understand the following warning.  If you do not understand and accept the warning, please do not proceed to read any of the content in this section. 

Information in these articles is general in nature.  They do not take into account your specific situation, aims and objectives.  Therefore there can be no warranty that they will suit your situation - you should seek further advice and information before taking any action on what is written here.  There is no guarantee that information in this section of the site is up to date or correct.  While all care is taken, it is possible that errors may have been make.  These articles are the opinions and writings of Scott Keefer & Scott Francis, and do not reflect the opinions of any other party.  This includes that they do not neccessarily reflect the opinion of FYG Planners Pty Ltd, Australian Financial Services License no. 224 543, the firm that Scott is an authorised representative of.

Some sections of the web site (such as index figures, asset test thresholds, tax brackets etc) will go out of date on a regular basis, and Scott may not necessarily update these figures in a timely manner. We strongly recommend that you seek independent advice before making a decision based on any number or statement contained in this site.

There is no guarantee that strategies mentioned in this site will work for you, and no warranty is given that the information contained in it is complete or even accurate. This sounds like a cliché but it is true: past returns are no guarantee of future success.

Please only continue through this section ONLY if you agree with the statement that follows.

I agree with the statement below

I do not agree with the statement below

I accept that this site was not written to provide specific advice applicable to anyone in particular.  I don't blame Scott Keefer, FYG Planners Pty Ltd, or anybody for its content, and I'll check with a qualified licensed advisor before using any strategy or approach mentioned in this site!