David Mac Manus (CFP® Dip F.P.) 0424 61 60 60 Senior Financial Adviser

David is a representative of the Australian Financial Services Licensee, Ethos Financial Advisers Pty Ltd. He will be responsible for the provision of financial advice to you.

David started his career in banking in 2000 and since then has spent his time in financial planning and advice, strategic technical research and has master trust experience.

David has extensive experience in a vast range of financial planning firms including independent, small, medium and large Australian Financial Services’ Licencee’s (Dealer Group) and accounting firms.

This insight has developed the independent client focused approach that Ethos Financial Advisers fosters to provide strong, lasting relationships.

David holds a current Associate Financial Planner membership with the Financial Planning Association (FPA) and is a CERTIFIED FINANCIAL PLANNER™.

David’s specialist areas of advice include assisting in the development of financial strategies, pre and post retirement planning, investments in “Best of Breed” investments (superannuation and non superannuation), wealth protection (income protection, life and disability insurance, taxation and cash flow management.

David also specialises in the aged care field assisting children transition parents into nursing homes and hostels. This is quiet a complex area and he varies his advice from best financial result to negotiating bonds to the advantage of the resident. It is important to note that David does not provide advice to residents themselves, rather to Powers of Attorney (generally the children of the elderly resident) due to certain mental and physical health conditions.

Transition to retirement is a key strategy utilised at the present. The current superannuation environment has encouraged this strategy and the key to this is both the taxation advantages and also the investment criteria for this advice.

Wealth creation for younger investors is also an area that David has spent considerable time. Building an investment to service a mortgage, or simply utilising equity in the primary residence to assist in building wealth and repaying all non-deductible debt as early as possible has been a key focus with these types of investors.

David McManus Financial Adviser Based In Kew d.macmanus@ethosfinancial.com.au 0424 61 60 60 CFP DFP Certified Financial Planner Insurance Superannuation Retirement Planning Pension Centrelink Aged Care Income Protection

David Mac Manus Financial Adviser Based In Kew d.macmanus@ethosfinancial.com.au 0424 61 60 60 CFP DFP Certified Financial Planner Insurance Superannuation Retirement Planning Pension Centrelink Aged Care Income Protection

David MacManus Financial Adviser Based In Kew d.macmanus@ethosfinancial.com.au 0424 61 60 60 CFP DFP Certified Financial Planner Insurance Superannuation Retirement Planning Pension Centrelink Aged Care Income Protection

David Mc Manus Financial Adviser Based In Kew d.macmanus@ethosfinancial.com.au 0424 61 60 60 CFP DFP Certified Financial Planner Insurance Superannuation Retirement Planning Pension Centrelink Aged Care Income Protection