Superannuation and Retirement Planning (FIN213) Task Force

This subject addresses the different aspects of superannuation, including contributions, benefits and income streams, as well as how superannuation is treated in death, divorce and bankruptcy.  Retirement savings accounts, retail funds, industry funds and self-managed superannuation funds are all covered.

The subject also covers the formulation of a statement of advice (SOA), concentrating on how to structure the various required elements.  Relevant legal and regulatory requirements are detailed, along with examples and strategies that financial advisers can use to benefit their clients.

Course notes and associated assessment items have been developed by Kaplan Higher Education in association with a task force of  industry practitioners, academics and writers.

Task Force members:

Peter Richards

David Lutz   

Director
Secure Financial Advice Pty Ltd

Academic Qualifications

  • B Business (Accounting) Queensland Institute of Technology
  • Graduate Diploma of Applied Finance (The Securities Institute of Australia)
  • Certificate IV Training - Finsia

Professional Qualifications

  • Senior Fellow, Finsia Financial Services Institute of Australasia
  • Member, Certified Practicing Accountant (CPA)
  • Member, Financial Planning Association (FPA) / Certified Financial Planner

Career Overview

Qualified as a CPA accountant and was State Accountant for Windscreens O’Brien.  He then wanted to change to financial planning commencing study in 1993 with the Securities Institute of Australia.

In 1995 an opportunity came available to join a large group and David became one of the senior planners there and has continued to grow the business.

Current Responsibilities

David's current role is Financial Adviser and Director of his own company, Secure Financial Advice Pty Ltd.  He is able to provide the complete raft of advice to clients and works with people over the long term.  David uses his CPA background in developing complete strategies for clients to enhance their financial position. 

Kaplan Contribution

  • Lecturer in Financial Planning at Finsia, and subsequently Kaplan, since 2000
  • Member of Kaplan Financial Planning Committee

He recently won an award with Kaplan, for ‘Outstanding Lecturer in Queensland Open-entry Program 2007’.  David also conducts his ongoing training through his financial planning business with Kaplan.

David is a strong believer in ongoing training and further study to develop your skills in this ever changing world.  He recognised that in financial planning it is important for each planner to be able to provide up to date advice.

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Peter Richards

Peter Richards

Financial Planner
Centric Wealth Advisers

Academic qualifications

  • Bachelor of Engineering (1st Class Honours) – University of Adelaide
  • Graduate Diploma – Applied Finance and Investment – FINSIA
  • Diploma of Financial Planning – Financial Planning Association
  • ASX Broker Exam – ASX
  • Diploma - Company Directors – AICD

Professional Qualifications

  • Senior Fellow – Financial Services Institute of Australasia
  • Certified Financial Planner – Financial Planning Association
  • Fellow -  Australian Institute of Company Directors

Career History

Peter commenced his financial planning career in 1990 having actively traded shares since 1983. After running his own business for 5 years he moved to mid tier accounting firm PKF to run their financial planning business in Sydney.

As the managing director of PKF Financial Services Pty Limited and Responsible Officer for the PKF Australian Financial Services Licence, Peter was directly responsible for a team of 7 financial planners and indirectly responsible for the financial planning and superannuation advice given by approximately 20 authorised representatives around Australia.

In 2007, Peter organised and handled the sale of PKF Financial Services in Sydney and Brisbane to Centric Wealth.

He was recognised as one of the top 4 Financial Planners in Australia by Money Management Magazine for the year 2002. 
Peter was awarded best lecturer in Post-Graduate courses for FINSIA in 2004

Current Responsibilities

Peter is a financial planner within the Sydney office of Centric Wealth Advisers.

As well as looking after a client base of 150 private clients, Peter provides expert testimonies for litigation cases and speaks regularly at seminars for clients and accounting firms.

Kaplan Contribution

  • Task Force Member for Superannuation & Retirement Planning
  • Masters Lecturer for Superannuation & Retirement Planning
  • Workshop Lecturer in Superannuation and Financial Planning

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Shane Miller

Mr Shane Miller 

Senior Financial Planner
ING Financial Planning

Current responsibilities

Fee-for service, comprehensive Financial Planning: strategy and entity structuring, investment selection, insurance, tax effective strategies, superannuation, income streams, DIY super funds, Centrelink, Aged Care, Estate Planning.

Career Overview

Have held a Proper authority holder and authorised representative since1999 and worked with various boutique firms in a mix of planning, technical & managerial capacities.

Prior to joining the financial planning industry, my career experiences have included:

  • managing my own consulting company
  • member of the Asia-Pacific management team of an American engineering multi-national
  • various educational responsibilities inclusive of tertiary sector

Qualifications (Financial Services)

  • Certified Financial Planner (by Coursework)
  • FPA Authorised Assessor (Accred No. 2001397)

Qualifications (other)

  • Masters of Business Administration (Deakin University)
  • Bachelor of Science (Physics) (Melb)
  • Bachelor of Education (Melb)
  • Effective Speaking Level 7 - Trinity College of Music London – Honours

Professional Memberships

  • FPA - Affiliate Practitioner Member
  • SPAA* - General Membership (*SMSF Professional’s Association of Australia)
  • FINSIA - Associate Member

Financial Services – Education/ Committees /Programmes

  • ANZIFF* - Ex - Member of Education Taskforce (*Australian & NZ Institute of Insurance and Finance)
    Responsibilities:  Course review, module writing
  • FINSIA - Finsia 2008 Mentoring Programme
    Responsibilities:  Mentor for young Planners
  • KAPLAN - FIN 213  Taskforce Member
    Responsibilities:  Examination and assignment marking, Course writing, Lecturer – various units

Non - Financial Services – Education

  • Company: Chifley Business School - Jan 99 – July 2007
    Part-time (after hours)
    Position: Masters of Business Administration (MBA) Unit Chair – 'Management Perspectives'
    Responsibilities: Lecturing, examining, publishing

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