Dear Sir/Madam,

Welcome back!!! and Happy New Year!!!

We hope you had an enjoyable and relaxing holiday season with family and friends.

We at Emohruo are looking forward to an exciting, productive and prosperous year ahead, and we look forward to working with, and helping you, achieve your personal financial goals.

How are your 'New Year Resolutions' shaping up?  Have you thought about some simple habits like budgeting and planning, getting good fiancial advice to kick start the year?

Remember, we are here to help!!!

We hope you enjoy this month's articles, and don't forget to click on the 'Olivers Insights' link for the latest market updates.

Til next month...........


Wayne Stevens

Managing Director

Emohruo Financial Services

Emohruo Camden Team

Emohruo Camden Team

Emohruo Financial Services Pty. Limited is an Authorised Representative of AMP Financial Planning P/L
ABN 89 051 208 327
AFS Licence No. 232706

Back to school saving tips - as easy as ABC

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It's that time of year again with the summer holidays drawing to a close and kids getting ready to head back to school

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Make Sense Of The 2012 Forecasts

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Here are a few points to consider before reading every 2012 financial prediction article.

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New ruling for SMSF held assets - to repair or improve?

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It has always been a matter of contention whether a superannuation fund could make either repairs or improvements to a property acquired under a limited recourse borrowing arrangement (LRBA)...

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Avoiding Penalty Tax on superannuation contributions

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Making superannuation contributions seems straightforward enough, however all tax payers need to be aware that exceeding their contributions caps set by the Australia Taxation Office (ATO) does come with penalties.

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Random Thinking

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Some random thoughts for the day...

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Any Questions?

Email Emohruo Financial Services now.
or call us on 02 8205 1228 between 9am - 5pm from Mondays to Friday .

Contact Details Camden office: 4B/20 Argyle Street (PO Box 1035), Camden NSW 2570 | P: 02 8205 1228 | F: 02 4655 9233
Emohruo Financial Services | ABN 95 105 755 897
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