{"id":2,"date":"2024-07-28T02:33:08","date_gmt":"2024-07-28T02:33:08","guid":{"rendered":"https:\/\/rossjohnstonfinancial.com.au\/?page_id=2"},"modified":"2024-10-24T11:21:46","modified_gmt":"2024-10-24T11:21:46","slug":"sample-page","status":"publish","type":"page","link":"https:\/\/rossjohnstonfinancial.com.au\/","title":{"rendered":"Home Page"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2\" class=\"elementor elementor-2\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7227e8 e-flex e-con-boxed e-con e-parent\" data-id=\"6b7227e8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3800e06 e-flex e-con-boxed e-con e-child\" data-id=\"3800e06\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187091b elementor-widget elementor-widget-text-editor\" data-id=\"187091b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>Welcome to Ross Johnston Financial \u2013 the home of professional financial and investment advice for Australians seeking a financially secure future<\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1516491 e-con-full e-flex e-con e-parent\" data-id=\"1516491\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9bbc3ad e-flex e-con-boxed e-con e-child\" data-id=\"9bbc3ad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0202f12 elementor-widget elementor-widget-heading\" data-id=\"0202f12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your financial wellbeing is our focus<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32c3222 elementor-widget elementor-widget-text-editor\" data-id=\"32c3222\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"margin-bottom: 7.5pt; line-height: 15.75pt;\"><span lang=\"EN-AU\" style=\"font-size: 12pt; font-family: 'Open Sans', sans-serif; color: #ffffff;\">Our financial advice philosophy is based on mutual understanding between our clients and us. <\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 7.5pt; line-height: 15.75pt;\"><span lang=\"EN-AU\" style=\"font-size: 12pt; font-family: 'Open Sans', sans-serif; color: #ffffff;\">We will take the time to understand you \u2013 your situation, your needs and your aspirations. Then we will help you define your financial goals, and your vision of a secure financial future.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 7.5pt; line-height: 15.75pt;\"><span lang=\"EN-AU\" style=\"font-size: 12pt; font-family: 'Open Sans', sans-serif; color: #ffffff;\">And then, working side by side, we will develop a financial plan which will help you reliably achieve your goals.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin-bottom: 7.5pt; line-height: 15.75pt;\"><span lang=\"EN-AU\" style=\"font-size: 12pt; font-family: 'Open Sans', sans-serif; color: #ffffff;\">Importantly, your financial plan will not be a pre-packaged solution. It will be tailored to your individual requirements to ensure you make best use of your financial resources now, and in the future.<\/span><\/p>\n<p><span lang=\"EN-AU\" style=\"font-size: 12pt; line-height: 107%; font-family: 'Open Sans', sans-serif; color: #ffffff;\">And if your financial goals change along the way, or if the legislative or investment framework in which we work changes, we will modify your plan accordingly to keep you on track.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-263195b e-flex e-con-boxed e-con e-parent\" data-id=\"263195b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e8640d2 e-grid e-con-full e-con e-child\" data-id=\"e8640d2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a8ea3 elementor-widget elementor-widget-image\" data-id=\"a9a8ea3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"548\" height=\"674\" src=\"https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/Ross-Johnstone-Website.jpg\" class=\"attachment-full size-full wp-image-209\" alt=\"\" srcset=\"https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/Ross-Johnstone-Website.jpg 548w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/Ross-Johnstone-Website-244x300.jpg 244w\" sizes=\"(max-width: 548px) 100vw, 548px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41057cc quote elementor-widget elementor-widget-text-editor\" data-id=\"41057cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span lang=\"EN-AU\" style=\"font-size: 12.0pt; line-height: 107%; font-family: 'Arial',sans-serif; mso-fareast-font-family: 'Times New Roman'; color: #222222; mso-font-kerning: 0pt; mso-ligatures: none; mso-ansi-language: EN-AU; mso-fareast-language: EN-AU; mso-bidi-language: AR-SA;\">For more than 30 years, Ross Johnston* has been helping Australians create financially secure retirements through prudent investments and high quality strategic advice.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e18b37e e-con-full e-flex e-con e-parent\" data-id=\"e18b37e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-90f4a05 e-flex e-con-boxed e-con e-child\" data-id=\"90f4a05\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf6076 elementor-widget elementor-widget-heading\" data-id=\"ccf6076\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We\u2019ll be with you every step of the way<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3a473 elementor-widget elementor-widget-text-editor\" data-id=\"2b3a473\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">Importantly, our initial advice isn\u2019t a \u2018set and forget\u2019 service. Once your plan and investments are in place, you can choose to take advantage of our comprehensive, premium Private Client Ongoing Service.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This service is designed to ensure that every aspect of your financial plan and investment portfolio is reviewed at appropriate intervals, and you are regularly kept informed of their progress with reports and reviews, and meetings with your financial adviser.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">You can be assured that our focus is on keeping your plan and investments on track\u2026 and on securing your overall financial wellbeing. So you can get on with enjoying your life without having to worry about your finances.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0da76a7 e-flex e-con-boxed e-con e-parent\" data-id=\"0da76a7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ca23957 e-con-full e-flex e-con e-child\" data-id=\"ca23957\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de6d06 elementor-widget elementor-widget-heading\" data-id=\"8de6d06\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expert advice coupled with extensive ongoing service<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d58d942 elementor-widget elementor-widget-text-editor\" data-id=\"d58d942\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We specialise in providing professional strategic advice to help you improve your current financial position and ultimately achieve your long term lifestyle goals.<\/p>\n<p>Our team of experienced financial professionals can provide you with a detailed and totally tailored blueprint for financial success, whether you are in the workforce, self-employed, about to retire or already retired.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a72e153 e-grid e-con-full e-con e-child\" data-id=\"a72e153\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ad312 elementor-widget elementor-widget-popout_widget\" data-id=\"b6ad312\" data-element_type=\"widget\" data-widget_type=\"popout_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"popout-widget min-h-full border border-[1px] border-solid border-[#004c42] p-4\">\r\n            <div class=\"icon mb-4 flex justify-center\">\r\n                <img decoding=\"async\" src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_retirement.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Retirement Planning<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">If you are about to retire or already retired, we can help you arrange your finances to help you build a retirement income which is reliable and tax effective\u2026<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Retirement Planning\" data-modal-content=\"&lt;p&gt;If you are about to retire or already retired, we can help you arrange your finances to help you build a retirement income which is reliable and tax effective\u2026 and which should last for your lifetime or longer.&lt;br \/&gt;We can discuss and implement tax effective strategies to potentially reduce any tax payable on lump sums. If you own a business or farm, we can also advise on overall financial planning strategies to improve your tax position upon its sale, ultimately increasing your financial wellbeing.\u201c&lt;\/p&gt;\n&lt;p&gt;In addition, we can help you arrange your finances so you can make the most of Centrelink benefit entitlements available to you.&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                var moreLinks = document.querySelectorAll('.popout-widget .more-link');\r\n                moreLinks.forEach(function(link) {\r\n                    link.addEventListener('click', function(e) {\r\n                        e.preventDefault();\r\n                        var modal = document.querySelector('.popout-modal');\r\n                        var modalHeading = modal.querySelector('.modal-heading');\r\n                        var modalBody = modal.querySelector('.modal-content');\r\n                        modalHeading.innerHTML = this.getAttribute('data-heading');\r\n                        modalBody.innerHTML = this.getAttribute('data-modal-content');\r\n                        modal.style.display = 'flex';\r\n                    });\r\n                });\r\n\r\n                var closeModal = document.querySelector('.popout-modal-close');\r\n                closeModal.addEventListener('click', function() {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    modal.style.display = 'none';\r\n                });\r\n\r\n                window.addEventListener('click', function(e) {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    if (e.target == modal) {\r\n                        modal.style.display = 'none';\r\n                    }\r\n                });\r\n            });\r\n        <\/script>\r\n\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d949086 elementor-widget elementor-widget-popout_widget\" data-id=\"d949086\" data-element_type=\"widget\" data-widget_type=\"popout_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"popout-widget min-h-full border border-[1px] border-solid border-[#004c42] p-4\">\r\n            <div class=\"icon mb-4 flex justify-center\">\r\n                <img decoding=\"async\" src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_superannuation.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Superannuation Planning<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">We will review all of your superannuation arrangements to check if they will ultimately satisfy your retirement goals\u2026<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Superannuation Planning\" data-modal-content=\"&lt;p&gt;We will review all of your superannuation arrangements to check if they will ultimately satisfy your retirement goals. In particular, we will assess the following:&lt;\/p&gt;\n&lt;ul&gt;\n&lt;li&gt;Are you on track to retire with enough money to fund your desired lifestyle \u2013 for your entire retirement?&lt;\/li&gt;\n&lt;li&gt;Is your superannuation fund performing to expectations?&lt;\/li&gt;\n&lt;li&gt;Is the asset allocation appropriate?&lt;\/li&gt;\n&lt;li&gt;Are you employing the right fund managers?&lt;\/li&gt;\n&lt;li&gt;Are you contributing enough to super this year?&lt;\/li&gt;\n&lt;li&gt;Are you taking full advantage of the current rules for super?&lt;\/li&gt;\n&lt;li&gt;Should you make contributions for your spouse?&lt;\/li&gt;\n&lt;li&gt;Are there other tax effective strategies you should be using?&lt;\/li&gt;\n&lt;\/ul&gt;\n&lt;p&gt;We can also advise you on Self Managed Superannuation Funds if that is appropriate for you.&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                var moreLinks = document.querySelectorAll('.popout-widget .more-link');\r\n                moreLinks.forEach(function(link) {\r\n                    link.addEventListener('click', function(e) {\r\n                        e.preventDefault();\r\n                        var modal = document.querySelector('.popout-modal');\r\n                        var modalHeading = modal.querySelector('.modal-heading');\r\n                        var modalBody = modal.querySelector('.modal-content');\r\n                        modalHeading.innerHTML = this.getAttribute('data-heading');\r\n                        modalBody.innerHTML = this.getAttribute('data-modal-content');\r\n                        modal.style.display = 'flex';\r\n                    });\r\n                });\r\n\r\n                var closeModal = document.querySelector('.popout-modal-close');\r\n                closeModal.addEventListener('click', function() {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    modal.style.display = 'none';\r\n                });\r\n\r\n                window.addEventListener('click', function(e) {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    if (e.target == modal) {\r\n                        modal.style.display = 'none';\r\n                    }\r\n                });\r\n            });\r\n        <\/script>\r\n\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44f0b91 elementor-widget elementor-widget-popout_widget\" data-id=\"44f0b91\" data-element_type=\"widget\" data-widget_type=\"popout_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"popout-widget min-h-full border border-[1px] border-solid border-[#004c42] p-4\">\r\n            <div class=\"icon mb-4 flex justify-center\">\r\n                <img decoding=\"async\" src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_investment.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Investment Planning<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">If you have a lump sum to invest or you wish to invest regular savings or superannuation contributions\u2026<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Investment Planning\" data-modal-content=\"&lt;p&gt;If you have a lump sum to invest or you wish to invest regular savings or superannuation contributions, we can advise you on asset allocation, investment strategies and investment selection.&lt;br \/&gt;We can advise you on managed fund investments in Australia, across multiple asset classes, to help you generate competitive returns and reduce risk\u2026 and in so doing help you achieve your financial goals&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                var moreLinks = document.querySelectorAll('.popout-widget .more-link');\r\n                moreLinks.forEach(function(link) {\r\n                    link.addEventListener('click', function(e) {\r\n                        e.preventDefault();\r\n                        var modal = document.querySelector('.popout-modal');\r\n                        var modalHeading = modal.querySelector('.modal-heading');\r\n                        var modalBody = modal.querySelector('.modal-content');\r\n                        modalHeading.innerHTML = this.getAttribute('data-heading');\r\n                        modalBody.innerHTML = this.getAttribute('data-modal-content');\r\n                        modal.style.display = 'flex';\r\n                    });\r\n                });\r\n\r\n                var closeModal = document.querySelector('.popout-modal-close');\r\n                closeModal.addEventListener('click', function() {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    modal.style.display = 'none';\r\n                });\r\n\r\n                window.addEventListener('click', function(e) {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    if (e.target == modal) {\r\n                        modal.style.display = 'none';\r\n                    }\r\n                });\r\n            });\r\n        <\/script>\r\n\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae4a6c elementor-widget elementor-widget-popout_widget\" data-id=\"7ae4a6c\" data-element_type=\"widget\" data-widget_type=\"popout_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n        <div class=\"popout-widget min-h-full border border-[1px] border-solid border-[#004c42] p-4\">\r\n            <div class=\"icon mb-4 flex justify-center\">\r\n                <img decoding=\"async\" src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_redundancy.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Redundancy Planning<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">We can help you invest your payout to meet your short term needs, as well as providing for your eventual retirement...<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Redundancy Planning\" data-modal-content=\"&lt;p&gt;We can help you invest your payout to meet your short, medium or long term needs, as well as providing for your eventual retirement. We can also develop investment strategies to help you qualify for Centrelink benefits (if this is relevant for you) and to implement tax effective strategies on your payout and your income.&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', 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src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_wealth.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Wealth Planning and Protection<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">We can help you develop investment strategies to build wealth prudently and tax effectively to help you become financially independent\u2026<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Wealth Planning and Protection\" data-modal-content=\"&lt;p&gt;We can help you develop investment strategies to build wealth prudently and tax effectively to help you become financially independent\u2026 and to provide a more financially secure retirement.&lt;br \/&gt;In addition, we can assist you in protecting your financial position with the help of personal insurances, as well as referring you to finance broking professionals who can help you to create financial efficiencies with your mortgage.&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                var moreLinks = 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src=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/07\/icon_estate.png\" alt=\"\">\r\n            <\/div>\r\n            <div class=\"content text-center\">\r\n                <h2 class=\"mb-[10px] text-[18px] font-normal uppercase text-[#004c42]\">Estate Planning<\/h2>\r\n                <p class=\"!mb-[5px] text-[13px] leading-[15px]\">We can advise you on how to arrange your financial affairs to achieve an efficient and tax effective distribution of your estate after your death...<\/p>\r\n                <a href=\"#\" class=\"more-link text-[12px] font-medium uppercase\" data-heading=\"Estate Planning\" data-modal-content=\"&lt;p&gt;We can advise you on how to arrange your financial affairs to achieve an efficient and tax effective distribution of your estate after your death. We can help you to properly fund your estate and show you strategies which can save tax for your beneficiaries and reduce the chance of your Will being challenged. We can also advise you on how to protect your estate from being eroded by your beneficiaries being subject to litigation, bankruptcy or divorce.&lt;\/p&gt;\">\r\n                    More\r\n                <\/a>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"popout-modal fixed inset-0 z-[999] flex items-center justify-center bg-black bg-opacity-50\" style=\"display:none;\">\r\n            <div class=\"popout-modal-content relative max-w-[800px] bg-white p-8\">\r\n                <button class=\"popout-modal-close absolute right-2 top-2 text-gray-500\">&times;<\/button>\r\n                <div class=\"popout-modal-body\">\r\n                    <h2 class=\"modal-heading mb-2 text-2xl font-bold\"><\/h2>\r\n                    <div class=\"modal-content\"><\/div>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function() {\r\n                var moreLinks = document.querySelectorAll('.popout-widget .more-link');\r\n                moreLinks.forEach(function(link) {\r\n                    link.addEventListener('click', function(e) {\r\n                        e.preventDefault();\r\n                        var modal = document.querySelector('.popout-modal');\r\n                        var modalHeading = modal.querySelector('.modal-heading');\r\n                        var modalBody = modal.querySelector('.modal-content');\r\n                        modalHeading.innerHTML = this.getAttribute('data-heading');\r\n                        modalBody.innerHTML = this.getAttribute('data-modal-content');\r\n                        modal.style.display = 'flex';\r\n                    });\r\n                });\r\n\r\n                var closeModal = document.querySelector('.popout-modal-close');\r\n                closeModal.addEventListener('click', function() {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    modal.style.display = 'none';\r\n                });\r\n\r\n                window.addEventListener('click', function(e) {\r\n                    var modal = document.querySelector('.popout-modal');\r\n                    if (e.target == modal) {\r\n                        modal.style.display = 'none';\r\n                    }\r\n                });\r\n            });\r\n        <\/script>\r\n\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84f70b7 elementor-align-center download-trigger elementor-widget elementor-widget-button\" data-id=\"84f70b7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/server-599709.server3work.com\/~rjf2\/wp-content\/uploads\/2024\/10\/PFS-FSG-Part-1-_1-July-2024.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">DOWNLOAD OUR FINANCIAL SERVICES GUIDE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86c51e2 e-flex e-con-boxed e-con e-parent\" data-id=\"86c51e2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-546f4a9 e-con-full e-flex e-con e-child\" data-id=\"546f4a9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f270444 elementor-widget elementor-widget-heading\" data-id=\"f270444\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our unique \u2018Gap Analysis Procedure\u2019 puts you in control<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8450e9 elementor-widget elementor-widget-text-editor\" data-id=\"e8450e9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">Everyone has lifestyle and financial goals which are unique to them. It\u2019s why everyone needs a financial plan which is tailored to their individual requirements.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">Central to your financial plan will be a set of decisions that are yours alone. One of the most important of those decisions is the trade-off you may need to make in regard to your current and future lifestyle versus your tolerance for investment risk.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This conflict arises when the achievement of your lifestyle goals requires an asset allocation which has investment risk characteristics (i.e. the fluctuating nature of investment returns) which exceed your tolerance for risk.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">It is a mis-match which must be rectified.<\/span><\/p>\n<p><span style=\"color: #ffffff;\">This is where you are in control. With the help of our \u2018Gap Analysis Procedure\u2019 you can choose to either:<\/span><\/p>\n<ul>\n<li><span style=\"color: #ffffff;\">Extend your investment time horizon; or<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Lower your lifestyle goals; or<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Increase the level of your regular savings; or<\/span><\/li>\n<li><span style=\"color: #ffffff;\">Learn more about investment risk so you can adopt a higher risk tolerance profile (which should give you a higher return); or<\/span><\/li>\n<li><span style=\"color: #ffffff;\">A combination of these.<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ffffff;\">We will work with you to help you reach a compromise which gives you comfort on all fronts. You need to have lifestyle goals which will allow you to enjoy life now and in the future. And you need to employ an asset allocation model which will not cause you undue concern due to fluctuating investment returns.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-059c54f e-flex e-con-boxed e-con e-parent\" data-id=\"059c54f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-155a78a e-con-full e-flex e-con e-child\" data-id=\"155a78a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5a3a34 elementor-widget elementor-widget-heading\" data-id=\"b5a3a34\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">To help you create a secure financial future, we employ our disciplined 8-step financial advice process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c58882d elementor-widget elementor-widget-image\" data-id=\"c58882d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"2560\" src=\"https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-scaled.jpg\" class=\"attachment-full size-full wp-image-205\" alt=\"\" srcset=\"https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-scaled.jpg 2560w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-300x300.jpg 300w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-1024x1024.jpg 1024w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-150x150.jpg 150w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-768x768.jpg 768w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-1536x1536.jpg 1536w, https:\/\/rossjohnstonfinancial.com.au\/wp-content\/uploads\/2024\/08\/RJF_Website_Assets_RJF-8-Step-2048x2048.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0f9785 e-flex e-con-boxed e-con e-parent\" data-id=\"a0f9785\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Welcome to Ross Johnston Financial \u2013 the home of professional financial and investment advice for Australians seeking a financially secure future Your financial wellbeing is our focus Our financial advice philosophy is based on mutual understanding between our clients and us. We will take the time to understand you \u2013 your situation, your needs and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"elementor_theme","meta":{"footnotes":""},"class_list":["post-2","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/pages\/2","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2"}],"version-history":[{"count":193,"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/pages\/2\/revisions"}],"predecessor-version":[{"id":257,"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=\/wp\/v2\/pages\/2\/revisions\/257"}],"wp:attachment":[{"href":"https:\/\/rossjohnstonfinancial.com.au\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}