This cookie policy applies to Keyton Holding Pty Limited as trustee for Keyton Trust ABN 44 349 706 307 (Keyton, we, our,us) with its registered office at Level 45, 600 Bourke Street Melbourne VIC 3000, Australia and the cookies used on our website www.keyton.com.au.
1. INTRODUCTION
Cookies are small text files that may be stored on your computer (or other internet enabled devices, such as a smartphone or tablet) when you visit a website. They help websites remember information about your visit, like your country, language and other settings. They can also help make your next visit easier.
We use cookies and other similar technologies such as marketing tags for several purposes as described more fully below, including collecting information about the number of visitors to the site and customer demographics, which is used to improve the customer experience of the site.
If you wish to remove cookies placed on your device by our site or stop our site placing further cookies on your device you can do this at any time (learn how to do this in the table below).
2. CATEGORIES OF COOKIES USED ON THIS SITE AND PURPOSES
We use the following cookies:
Strictly necessary cookies
These are cookies that are required for the operation of our site. They include, for example, cookies that enable you to log into secure areas of our site. We do not require your consent to place these cookies. Nevertheless, you may be able to block these cookies yourself on your device/ browser, but restricting these cookies is likely to mean that our site will not work as you would expect and certain functionality may be inoperable.
Non-essential cookies
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our site when they are using it. This helps us to improve the way our site works, for example, by ensuring that users are finding what they are looking for easily. We use cookies to compile visitor statistics such as how many people have visited our site, how they reached our site, what type of technology they are using (e.g. Mac or Windows which helps to identify when our site isn't working as it should for particular technologies), how long they spend on the site, what page they look at etc. This helps us to continuously improve our site.
We also use Google Analytics and Kentico Experience Platform and Database to collect information about how users interact with the site. These tools use cookies to collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. We use the information generated by these tools to prepare reports and improve the customer experience of the site.
We have enabled Google Analytics Demographics and Interest Reporting features on the site to allow us to review information about users of the site (at a collective rather than individual level), including identifiers such as users' age, gender, interests, and other categories based on acquisition, behaviour, and conversions metrics. We may use this information to enable us to make decisions about what information to include on the site and how to present it. We have also enabled Google Display Network Impression Reporting on the site to allow us to track how ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to site visits to the site. We and our third-party suppliers, including Google, use first-party Google Analytics cookies and third-party DoubleClick cookies together to collect the data for the Google Display Network Impression Reporting functionality.
You may opt-out of tracking from Google Analytics and/or the Google Analytics Advertising features enabled on the site by refusing the use of cookies (see below), through configuring the Google Ad settings or by installing the Google Analytics Opt-out Browser Add-on.
Functionality cookies. These are used to recognise you when you return to our site. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our site, the pages you have visited and the links you have followed. This information will be used by us and third parties to make our site and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose but only if you consent to such sharing.
Social Website Cookies. So you can easily "Like" or share our content, we have included sharing buttons on our site for certain social media sites such as Facebook, LinkedIn and Twitter. These cookies are set by the third party social media sites to which they relate, including:
LinkedIn
Twitter
Instagram
The privacy implications vary from social media site to social media site and will be dependent on the privacy settings you have chosen on these sites. Please refer to the relevant social media site's privacy and cookies policy for more information.
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
Cookie
Purpose
More information
Google Analytics with Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and DoubleClick
_utma
_utmb
_utmc
_utmv
_utmz
_ga
_gat -
_dc_gtm_UA
_RequestVerificationToken
_ASP.NET_SessionId
ll_default_site
llcomau#lang
llcomglobal#lang
llcomsingapre#lang preference
llcomus#lang
Used to collect information in an anonymous form, including:
the number of visitors to the site, where visitors have come to the site from and the pages they visited. We use this information to prepare reports and improve the customer experience of the site;
through the Google Analytics Demographics and Interest Reporting functionality, identifiers such as users' age, gender, interests, and other categories based on acquisition, behaviour, and conversions metrics. We use this information to enable us to make decisions about what information to include on the site and how to present it;
through the Google Display Network Impression Reporting functionality, ad impressions, other uses of ad services, and interactions with these ad impressions and ad services. We use this information to understand how ad impressions, other ad uses and interactions with impressions and services are related to site visits to the site.
We sometimes conduct advertising campaigns using DoubleClick, a Google service.
To opt-out of analysis by Google Analytics on our site, please visit http://tools.google.com/dlpage/gaoptout, or refuse the use of cookies by selecting the appropriate settings on your browser.
Most browsers have cookies enabled by default. However, if you don't want to enable cookies, you'll still be able to browse the site.
If you wish to disable all cookies, you can usually opt-out by setting your browser to remove or reject browser cookies.
To disable specific cookies, you can opt-out using the opt-out mechanisms and links provided in the chart above. You can also delete cookies that have already been set through your browser settings.
Please note that if you choose to disable some categories of cookies that we use, you may experience reduced functionality or be prevented from using the site altogether.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.
To learn more on how to disable cookies on your browser, please consult your browser "help" section or go to aboutcookies.org.
If you have any further questions, comments or requests regarding our cookies policy or how we use cookies, you can contact us at Privacy, Keyton, Level 45, 600 Bourke Street, Melbourne VIC 3000. Or email us at privacy@keyton.com.au
3. Changes to THIS COOKIES policy
Any changes to this cookies policy in the future will be posted on this page.
We use cookies to improve your website experience. You can manage the use of cookies by clicking on the "View Policy" link. By continuing or clicking "Agree" we assume you are happy with our use of cookies.
- View Policy
Contact
Contact Us
Complete the form below and we’ll be in touch shortly. Alternatively, you can call us on 1800 550 550.
Finding the right financial advice for retirees
When it comes to planning your retirement finances, you need to find an adviser who can lend a helping hand with the right financial advice for you.
Seeking advice from a financial planner is essential if you’re looking to retire in the coming years. But ensuring you’re getting bang for your buck is also important.
Rachel Lane of Aged Care Gurus offers financial advice for retirees. She says finding the right adviser may be one of the most important decisions you make in your retirement planning.
Finding the right adviser
When it comes to financial advice for retirees, many advisers will say they specialise in retirement planning. But it’s important to understand what they mean by specialising. Usually, they’re talking about how best to manage superannuation, applying for an age pension and other key elements of financial planning for your retirement years.
What they’re usually NOT specialising in is retirement housing. Things like granny flats, retirement villages and land lease communities and their various financial implications.
Look for specialist retirement living financial advice
If you’re looking for a financial adviser to help you with retirement planning, you might want someone who understands:
the various financial planning strategies
pension and rent assistance implications
the amount you are likely to receive when you leave (which may be to move into aged care).
To get this kind of specialist advice, speak to a Retirement Living and Aged Care Specialist®. A Retirement Living Aged Care Specialist is a designation that recognises advisers who have the skills, knowledge and tools to deliver quality advice on retirement living and aged care.
How do you know if your adviser is a Retirement Living and Aged Care Specialist? Just ask. If they’re not, you may want to ask further questions like, ‘How long have you been advising people on moving to a Retirement Village?’
You should also ask about their qualifications. Ideally, you want someone who holds a Master of Financial Planning degree or is a Certified Financial Planner (CFP).
A specialist knows the latest retirement living rules, products and services
Seeking advice from someone who doesn’t specialise isn’t necessarily going to mean that you don’t get the best advice. But it could mean the person won’t be up to date with the relevant rules and regulations. Or with new products or services in the market to best meet your needs.
It’s also likely that it will take them longer to research and develop your advice because they don't specialise. So if you’re paying based on time, it will cost more. This is what Rachel Lane calls ‘school fees’ because you’re paying for the adviser’s learning.
Seek advice from the people who are in the know
When planning for your retirement living, it’s important to make sure you understand all your options and the financial implications of each. Getting advice from a retirement living specialist who can help you understand will ensure you’re in a position to make an informed decision about how you want to live in retirement.
For more information about the lifestyle and support offered at our retirement villages, call our customer service team on 1800 550 550.
If you think your family or friends might enjoy this article, please share it with them.
Related Stories
Dollars and sense: building wealth for retirement
If you want your retirement money to last, you need to put in the effort now. Read our financial adviser’s tips on preparing your finances for a comfortable retirement.
Enjoy fewer bills and admin
Living in a retirement village means the pile of household bills on the kitchen bench won’t be so high.
Retirement living on your terms
No two people are the same. Some like to plan, some go with the flow.
The lowdown on selling costs
We explain the costs you need to consider when it comes time to sell your retirement village home.