Ann Bayliss

DipFS (FP)

Ann has been working in the Financial Services industry for 33 years. She commenced her career with AMP in December 1985 and moved to AXA (formerly National Mutual) in November 1992, where she held numerous administration and adviser supporting roles.

Since 1999, Ann has been working for small financial planning practices where she has been able to personally assist clients in achieving their financial and lifestyle goals.

Ann prides herself on developing excellent working relationships with all her clients, and after working as a Paraplanner/Strategist for 7 years she is able to provide clients with comprehensive advice in all areas of Financial Planning. Ann has a very strong knowledge and experience in Superannuation and Retirement Planning, and can assist with Centrelink and Aged Care.

In her spare time, Ann enjoys spending quality time with her partner and daughter. She is also a member for the Association of Financial Advisers (AFA).

Ann Bayliss

"I help my clients to develop and implement strategies to achieve their financial goals and enjoy a comfortable lifestyle!"

"To teach, encourage and support my clients, family and friends to see them smile and be happy!"

Our Services

Learn about the range of financial services that Robburns Financial Services can help you with.

Latest News

Read the latest industry updates from the Robburns Financial Services news desk.
When super isn't compulsory

When super isn't compulsory

As Australia’s $2.8-trillion super system attracts even more headlines than usual, more people may...

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Investors brace for Brexit - deal or no deal

Investors brace for Brexit - deal or no deal

When people in the UK woke up on 24 June 2016 to the news that the country had voted to leave the EU (or...

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ATO identifies SMSF contravention red flags

ATO identifies SMSF contravention red flags

The ATO has identified certain red flags and problem areas with SMSFs that will attract its attention, ahead...

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Tax and estate planning traps flagged with pension restructures

Tax and estate planning traps flagged with pension restructures

While the ATO has previously stated that changing a pension to reversionary after it has been commenced is...

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A checklist for a healthy financial year

A checklist for a healthy financial year

A year may not seem like a long time, but a lot can happen in 365 days. Since last February, you may have...

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High-risk LRBAs, TBAR on the ATO’s radar this year

High-risk LRBAs, TBAR on the ATO’s radar this year

LRBA - Limited recourse borrowing arrangementsTBAR - Transfer balance account...

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All you need to know about how Australia is going.

All you need to know about how Australia is going.

One great source of data about Australia.  Become better acquainted with the country we...

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Four tips for boosting your super balance

Four tips for boosting your super balance

If you could add $61,000 to your super fund in 10 years, would you do...

Read More

Contact Us

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Aged Care

Aged care is an increasingly complex area for us all to navigate but we have little choice. Issues such as changing legislation, taxation issues, bonds, care facilities, general planning, types of assisted living, Centrelink, and estate planning need to be considered. And all this at a time in life when managing such matters can become increasingly daunting and difficult.

We specialise in assisting you in all matters to do with aged care and can help in the following ways:

At Robburns Financial Services we will provide the time and expertise needed to assist you in achieveing the best financial strategy possible. Contact us today to discuss how we can work together.


Financial Planning

Financial advice is determining how an investor is going to meet their goals and objectives. It is about helping clients define their goals, gathering information and analysing data to make a plan, then implementing the plan and monitoring the results. It is also monitoring and updating goals and objectives as clients move through different phases of life. 'Failing to plan is planning to fail.'

It's a cliché but when it comes to investing money, setting and then attaining long term financial objectives, then it makes a lot of sense to have a plan. Also, history shows time and again that the sooner you can start the better the outcomes. Attaining long term objectives is better served by setting some short term goals.

For example, such milestones might be set for 1-3 years, then 4-6 years and then 7+ years. However, just having a plan isn’t enough. It needs to be regularly revisited and amended accordingly. Like the initial drafting of a plan the ongoing monitoring can be complex, increasingly so due to an increasing number of rule and regulation changes. We can help you manage this complexity and provide ongoing monitoring.

Our primary aim is to help you attain your financial objectives.

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.


Retirement Planning

Retiring on your own terms is not always easy to achieve, however it is evident that those who plan for retirement are more likely to do so. Results also show that obtaining professional help during the pre-retirement years further improves the probability of attaining your retirement objectives.

The earlier you start implementing a plan the better the outcomes.

During one’s working life there is always an income to make ends meet when raising children, paying off a mortgage, and myriad other lifestyle costs.

Retirement planning is about the lifestyle you will have after you stop work and receiving employment income. Planning focuses on issues such as how much superannuation is enough, taking a super pension, making superannuation contributions while receiving a pension from a super fund, estate planning and looking after your family. We can also assist with claiming the Age Pension.

Planning properly is becoming even more important now we are expected to live longer. This greater need means that professional help has never been more important as well.

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.


Superannuation

Superannuation is mandatory but taking an early and active interest in it is critical to ensuring the benefits it can offer are maximised by the time you retire. Many will have a superannuation scheme through employment but increasing numbers are starting their own Self Managed Super Fund (SMSF).

However, for many, simply relying on employer contributions may not be enough and you may need to look at strategies such as additional contributions or salary sacrifice. Older Australians will need to focus even more on their superannuation strategies because most came to this form of saving later in life.

It is always best to start saving and planning for your retirement as early as you can.

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.


Risk Management & Insurance

Insurance has become an essential component of modern life. Robburns Financial Services can assist you in choosing the most appropriate insurance cover for you and your family.

Life Insurance

Income protection insurance

Business expenses protection insurance.

Trauma or critical illness cover

Total Permanent Disability

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.

Cashflow Management

Controlling your cash flow is at the heart of any Financial Plan. Your future wealth will be determined by your ability to generate excess cash, and how you choose to spend or invest it. In cash flow management, timing is critical. You must have money available to pay the bills when they come in. If you run out of cash your lifestyle will suffer, and no one needs that kind of pressure.

It is important that we have a clear understanding of your income and spending so that we can help you to decide your priorities and make effective decisions. When helping you plan for your future, we will make sure that you have enough money set aside to pay for the things you've planned in the next few years.

That means when you decide to invest for the longer term, you'll know that you'll be able to leave it to grow without the daily worry of having enough to spend.

Debt Management

Debt is widely regarded as a negative thing and for good reason - who wants to owe someone else money? There are times however when it pays to borrow, but in general it is sensible to repay debt as quickly and efficiently as possible.

Used wisely, borrowing may boost your assets and investment values by gearing up returns, however paying excessive interest costs or structuring your debt the wrong way can eat the heart out of your finances.

We will help you to analyse the debts and loans you have, and then work with you to ensure that your debt management programme is structured specifically for your situation, and gives you the highest probability that you will achieve your goals. When you need to borrow or restructure existing debts, we can call on experts in the field to help you find the right solution.

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.


Centrelink

Social Security assistance is provided by various Australian Government Departments including Centrelink and the Department of Veteran Affairs. We understand that Centrelink plays an important role for individuals and families when it comes to planning. Payments such as the Age Pension and Disability Support Pension provide long-term financial support whilst Newstart Allowance and Sickness Allowance provide assistance for a shorter period of time. Other payments such as Family Tax Benefit, Parts A & B assist with the cost of raising children.

As well as the payment of benefits you may be entitled to access certain fringe benefits. For example, if you are of Age Pension age and/or are receiving the Age Pension you may be entitled to concession cards such as Pensioner Concession Card, Commonwealth Seniors Health Card or the State Seniors Card which offer concessions, benefits and discounts. The Department of Veteran’s Affairs also provides similar benefits.

We can assist in all matters in relation to Centrelink, such as the following:

At Robburns Financial Services we will provide the time and expertise needed to help you assist you in achieving the best financial position possible. Contact us today to discuss how we can work together.

Investment Strategies

If you are going to become, or remain, financially independent then you need to have a properly constructed investment strategy. It’s very easy to become distracted from your goals and do considerable damage by following messages and ideas that seem attractive 'in the moment.'

The principles of great money management are actually fairly boring by nature, yet one of the hardest things to do for most of us, is to do the simple things consistently. This is why we are convinced that most people need a partner to help them along this path.

Our investment process is not hard to understand, and can be summarised as follows;

At Robburns Financial Services we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together.

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Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Synchron requires the use of a general advice disclaimer on all websites, newsletters, social media outlets and any medium which may contain general advice. This disclaimer is to ensure that readers know that the information provided is only general and should not be treated as personal advice. Please use one of the following:

The information posted is intended to be general in nature and is not personal financial product advice. It does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making a decision.