A LETTER FROM DARRYN Welcome to our Autumn Newsletter. With the swell picking up and

some beautiful autumn weather upon us, it’s a great time to live by

the coast.

The last few months have been busy, but extremely rewarding for

the Coastline team. We have been involved in some

fantastic events, volunteering programs and sponsorships which

has allowed us to give back to our community. Our partnership with

Surfing Victoria for the Victorian Masters was a great success. A

range of local and interstate surfers put on a show for the Surf

Coast community. One of which was our very own Mike Brussel who

competed in the Single Fin comp against former world number two

in the world Brad Gerlach. We also volunteered with Habitat for

Humanity and raised necessary funds for the Danii Type one

diabetes awareness foundation.

As for myself, the last few months have kept me on my toes. I have

spent more time in the Wonthaggi office, re-connecting with clients

and the wonderful community. The Easter break has been time well

spent relaxing with my family. We have enjoyed beach days, surfing

and down time to keep life in balance.

Coastline are fresh and back to work after the Easter break. We

hope clients enjoyed a safe and happy Easter with loved ones.

DARRYN JACOBS Director

WELCOME TO OUR AUTUMN 2019 NEWSLETTER

COASTLINE COMMUNITY

1.COASTLINE ADVICE AUTUMN NEWSLETTER

HABITAT FOR HUMANITY In February, Mike brushed off his building tools and made his

way to Yea to embark on what would be a life changing event

for two disadvantaged families. He volunteered with the Habitat

for Humanity organization which works with the most vulnerable

families in Australia to build new homes and new hope.

Mike spent two days working on the homes. He explained, “It was

great to dust the cobwebs off the tools for a good cause. Although

it was hard work, it was extremely rewarding. I myself have two

young girls, so knowing that I have helped another family create a

safe environment for their young daughter to grow up in is really

special. This family now have a sense of security and belonging;

something we are all entitled to.”

2.COASTLINE ADVICE AUTUMN NEWSLETTER

MEET DANIEL WALSH FINANCIAL ADVISER & FINANCE MANAGER “Never get so busy making a living that you forget to make a life”.  

Coastline are delighted to introduce you to our new Adviser Daniel

Walsh. You may already recognise Daniel as he has been our

Operations Manager for the past two and a half years. Adding to

his calibre of skills, Daniel has transitioned into an advisory role

saying “Financial Advice was a natural extension to my accounting

background and one that has evolved over time. Having worked

in the Operations Manager role in the past, I was envious of the

relationships the Advisers had built with their clients and the

impact they were able to have on their lives.” The Coastline team

are thrilled to have Daniel as an adviser, with Director Darryn

Jacobs sharing “Daniel has become such an important part of the

Coastline culture and business. He brings with him a wealth of

knowledge and skills. His ability to understand and empathize with

people in our community is one of the many reasons he will excel

as an Adviser”.

COASTLINE HELP RYAN LEE ACHIEVE DREAM Coastline are proud to sponsor local tennis protégé Ryan Lee.

Ryan is a local Geelong boy who lives and breathes tennis. At the

ripe age of 16, he qualified for the 18 years and under Victorian

team where he competed in the National Championships.

Daniel has 15 years of experience in the Corporate Accounting world. He has worked with clients including Cotton

On, Cadbury and Fosters in both Australia and London. Working closely with the advisers whilst completing his

Diploma of Financial Planning, he is now fully equipped and has begun working with clients to achieve their

financial goals.

Originally from Bendigo, Daniel, his wife Brook and two young kids Lewi and Peggy now call Torquay home. Daniel’s

free time is spent with his family, often taking advantage of our beautiful local beaches and Surf Coast tracks. Daniel

has stayed a true North Melbourne fan, despite their rocky year. If you would like to know more about Daniel, see

our website for the full interview or contact our team.

Ryan along with the rest of the Victorian team went to Adelaide

between the 4th to the 11th of May where they competed against

players from across the country for the Pizzey Cup.

Team Victoria finished 5th overall and Ryan came home finishing

with the 2nd highest singles stats at 50% for the Team Vic boys.

Ryan is a prominent player in the local tennis community. Playing

in both section 1 Juniors and Seniors for Grovedale as well as

couching 3 times a week, you may have seen him on the court, or

perhaps even matched him.

We are proud to support Ryan on such a wonderful achievement

and wish to congratulate him on his hard work and successful

tennis career so far. Ryan Lee at the 2019 Inter Regionals

LIVE FOR THE MOMENT VS SAVE FOR THE FUTURE

3.COASTLINE ADVICE AUTUMN NEWSLETTER

Want to boost your financial well-being without giving up completely on being spontaneous? Get on top of your finances and enjoy life more at the same time with our five step guide to living in the moment while saving for the future.

Source: Money & Life (https://www.moneyandlife.com.au/budgetingandsaving/individuals/grow-your-wealth/live-for-the-moment-vs-save-for-the-future/) This document 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 making any decisions based on this information. If you decide to purchase or vary a financial product, your financial adviser, Coastline Advice, and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar amount and or a percentage of either the premium you pay or the value of your investment. Please contact us if you want more information.

Don’t be a slave to your savings

Mastering money starts with a budget and there’s no

doubt that feeling in control of your money is linked

to your overall well being. But you might be reluctant

to set a budget when it makes you feel like all your

money is spoken for. Life can seem very limited if you’ve

already decided on the exact destination for each and

every dollar.

So instead of becoming a slave to saving for the future,

here’s a five-step approach that keeps your options

open for doing some spontaneous spending once in

a while, without losing out on your future financial

stability as a result. 1. Get cash flow savvy Figuring out just where your money is going right now

night seem like a hassle. But it’s absolutely necessary

if you’re going to achieve your goal of saving and also

spending a little just for the sake of it. Understanding

your spending habits and patterns can shed some light

on where you’re spending more than you need to, so

you can start to make better choices with your dollars in

step 2.

Doing this weekly makes it much easier to take control

of cash flow. A week of overspending can be balanced

out quickly in the following week simply by making a

few small sacrifices.

2. Budget based on what matters Now it’s crunch time for making good on those cash

flow lessons you’ve been learning. By looking at where

your money has been going, you’ve got the knowledge

you need to stop spending on things that are less

important. This frees up more dollars for your savings

and what you really value.

Let’s take dining out for example. If you have your heart

set on an overseas holiday once a year, ask yourself if

weekly restaurant meals are as important? By cooking

at home for three out of every four Saturdays and saving

that money towards travel instead, you’re directing your

budget towards what matters to you.

3. Limit fixed commitments Having more to spend in the present also depends on

limiting how much of your income is already spoken for.

Mortgage and loan repayments, utility bills, insurance

premiums, memberships and subscriptions are all

regular payments that can add up to a big chunk of your

outgoings. While some of these are essential, avoiding

buying things on credit or using a loan can reduce your

ongoing costs and free up money to save towards your

goals or spend spontaneously.

4. Automate your savings Whether it’s saving for a new car – so you won’t have that

long-term commitment to paying off a loan plus interest

– a holiday, or just a rainy day, setting up separate

accounts for these goals helps you see that you’re making

progress. And making automatic deposits from your

income into these accounts is the ideal way to ensure

you’re making regular contributions towards your goals.

5. Plan to spend spontaneously As these savings balances start to grow, it can bring a

sense of freedom in your current and future spending

choices. Knowing your goals are getting closer allows you

to spend money freely and still be financially responsible

for your future. And if you want to look forward to a

guilt-free splurge, think about dedicating one of your

savings accounts to spontaneity. With a pot of cash on

hand to spend at will, you can enjoy ‘live in the moment’

experiences now and again without your future goals or

cash flow taking a hit.

We’re here to help At Coastline, we believe life is all about balance. If you

need help budgeting, get in contact, we’re here to help

with all your financial questions.

WHAT CAN YOU ACHIEVE TOMORROW, IF YOU START TODAY?

TORQUAY HEAD OFFICE

03 5264 7700

ANGLESEA OFFICE

03 5263 3964

OCEAN GROVE

03 5297 3000

BASS COAST

03562 1810

COASTLINE GETAWAYS

How can we help clients achieve their dream life if we don’t live it our self?

The last few months have been filled with some exciting

getaways from the Coastline team.

Associate Adviser Nathan Sharrock spent 10 days in

America. He started in NYC before fulfilling a life long

dream attending the 2019 Masters at Augusta National

golf club.

Likewise, Liam Russel also jetted off overseas. He spent

three weeks snowboarding in Japan, traveling between

iconic mountains Hakabu & Nozawa.

Gerry Owen and Daniel Weigl enjoyed some tropical

weather in Bali & Thailand, while Kate Gadd and Tayla

Edwards took advantage of the Australian scenery,

exploring Queensland and Tasmania.

Coastline Financial Group P/L (ABN 21 117 070 710) trading as Coastline Advice is an authorized and credit representative of AMP Financial Planning Pty Limited ABN 89 051 208 327, Australian Financial Services and Australian Credit Licence No. 232706. If you no longer wish to receive direct marketing for yourself, you may opt out by contacting Coastline Advice on (03) 5264 7700. You may still receive direct marketing material from AMP as a product issuer, bringing to your attentionproducts, offerings or other information that maybe relevant to you. If you no longer wish to receive thisinformation you may opt out by contacting AMP on 1300 157 173.’

Earlier this year, Coastline were pleased to host Legg

Mason’s National Business Development Manager,

Scott Bradley, for our client event. The event started

with a morning breakfast and catch up, followed by

an in-depth economic update and market outlook

presentation.

Scott reflected on the slowing growth of the

global economy in 2018, yet remained confident

in Australia’s market due to increasing population,

infrastructure and industrial capacity.

Clients and staff found the morning very insightful

and a great opportunity to discuss current economic

themes and how they may affect their own personal

finances.

We would like to thank everybody who attended the

seminar. The Coastline team thoroughly enjoyed the

morning and look forward to seeing everybody at

our next event. For those who could not attend, our

website includes a copy of Scott’s presentation. If

you have any questions or would like to recommend

a topic for our next seminar, please feel free to

contact our team.

COASTLINE CLIENT EVENT Economic Update & Market Outlook Seminar