PRIVATE WEALTH. Client Questionnaire and Risk Profile

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "PRIVATE WEALTH. Client Questionnaire and Risk Profile"

Transcription

1 PRIVATE WEALTH Questionnaire and Risk Profile

2

3 Important Notice to The Australian Corporations Act (2001) requires that an Adviser making personal advice recommendations must have reasonable grounds for making those recommendations. This means that an Adviser must conduct an appropriate investigation as to the financial objectives, situation and particular needs of the client. The information requested in this form is necessary to enable recommendations to be made and will be used solely for that purpose. We accept no liability for any advice given on the basis of inaccurate or incomplete information. Please Note There is no need to complete Parts C and D as these will be discussed and completed with you during our initial discussions. Please complete and return Part A, Details Questionnaire, and Part B, Risk Profile Questionnaire, to the following address: Sornem Private Wealth GPO Box 2031, Melbourne, Victoria

4 Part A Questionnaire The process for developing, protecting and growing an investment portfolio is continuous and can be broadly summarized by the following four steps: 1. The client completes this questionnaire which will allow us to determine their personal and financial objectives and their tolerance towards exposure to the various risks associated with investing. The initial discussions will include but not be limited to tax issues, appropriate structures for investments, general investment and superannuation strategies, agreed time horizons and investment objectives. 2. Based on our understanding of the client s situation and objectives, we construct a tailored financial and investment strategy with the client by developing long term exposures and benchmarks. Asset classes include, but are not limited to appropriate allocations to the major investment types. 3. With the client s situation and tailored investment strategy agreed, we continuously review the economic environment and implement a dynamic asset allocation approach that facilitates the achievement of the agreed objectives by assuming the minimum amount of risk deemed necessary. This is completed by conducting analysis of the risk and expected return of each individual investment and its appropriateness for inclusion in the client s portfolio at the current point in time. Factors considered include the current state of markets, specific assets, diversification and propensity to act in the current environment. 4. We establish a timeframe and routine for ongoing review and monitoring of the client s portfolio. This will involve updating the client s needs analysis, reassessing the client s personal and financial objectives, evaluating the client s portfolio structure and measuring the client s portfolio performance against both relevant benchmarks and personal expectations. 2

5 Personal Information Important Details Title Given Name Surname Preferred Name Home Address Date of Birth Marital Status Tax File Number Contact Phone ( ) ( ) Work Phone ( ) ( ) Mobile Fax (Home) (Home) (Work) How did you hear about us? Dependant/s details (Children or other) Name Name Name Name Date of Birth Financially Dependant? 3

6 Personal Information (cont.) Corporate Structure - Entities (Companies, Trusts, SMSF, Partnerships) Name Purpose TFN ABN Please attach all trust deeds and constitutions that relate to the above entities. Other Professional Advisers Company Name Contact Details Permission to Contact Accountant Yes No Solicitor Yes No Other Yes No 4

7 Income and Expense Information Employment Details Occupation Status Employer Salary Superannuation Guarantee Salary Sacrifice Other sources of income Superannuation Company Family Trust Government Investments Rent Estimated Expenses Amount Frequency Weekly, Monthly, Yearly Yearly Total Amount or % tax deductible Living Expenses (Non-discretionary) Capital Expenses (Discretionary i.e. holidays, investment loans) 5

8 Income and Expense Information (cont.) Do you expect any significant change in income or expenses in the next year? Yes (details as follows) No Major Future Expenses Please detail here all planned future lump sum expenses over the next 5 years. Amount Year of Expense Holidays Education New Car/Car Upgrade Home Improvements Debt Repayment Other (eg. Wedding) Retirement Planning / Forecast Planned Retirement Age Required / Estimated annual living expenses in retirement (today s value) Are you comfortable that your current rate of saving/contributions will provide you with the retirement lifestyle you desire? Yes No Yes No 6

9 Assets and Liabilities Information Assets Lifestyle Assets Owner Value Security for Loan Principal Residence Holiday House Home Contents Vehicles / Boat / Caravan Other (eg. Jewellery / Art) Total Details Retain? Financial Assets Owner Value Details including: Account Number/s, Broker Details, Provider/s Cash Term Deposits Investment Property Shares Managed Funds Company Family Trust Superannuation Other Total Please attach a copy of all relevant policies, annual statements and CGT history of each investment and superannuation account. 7

10 Assets and Liabilities Information (cont.) Liabilities Non Tax Deductible Loan Purpose Comp/ Lender Interest Rate Fixed (F) Variable (V) Amount Owing Repayments Frequency % Term Principal Residence Holiday Property Car Loan Credit Cards Personal Loan Other Tax Deductible Loan Purpose Comp/ Lender Interest Rate Fixed (F) Variable (V) Amount Owing Repayments Frequency % Term Investment Property Line of Credit Investment Loan Margin Lending 8

11 Contingency Planning Personal Insurance Owner Provider Type Life Insured Amount Benefit Period Waiting Period Premium p.a. Estate Planning Do you have a Will? Yes No Yes No Original Date / / / / Review Date / / / / Location Executor(s) Power of Attorney Yes No Yes No Type General Enduring General Enduring 9

12 Objectives Personal and Financial Objectives Your financial plan should take into consideration factors that are important to you. Please highlight both short and long term personal and financial objectives. Please rate your objectives in order of importance to you by placing a circle around the relevant number. The numbers represent: 1: not important, 2: slightly important, 3: important, 4: very important. Short Term Objectives Importance Medium Term Objectives Importance Long Term Objectives Importance 10

13 Part B Risk Profile Questionnaire Please complete the following questions to the best of your knowledge to allow us to discuss your risk characteristics in more detail during our meeting. Which of the following best describes your current stage of life? Answer (Please tick) Score Mature Family You are in your peak earning years and the mortgage is under control. Your partner may also work and any children you have are close to financial independence and/or have already left home. You are starting to think about retirement, although it may be many years away. 5 Single with few financial commitments You are keen to accumulate wealth for the future. Some funds must be kept available for enjoyment such as cars, clothes, travel and entertainment. 4 Young Family This is the peak home purchasing stage and you have a mortgage and very little savings as you are still establishing yourself. 3 Preparing for retirement You own your home and have few financial commitments, however you want to ensure that you can afford a comfortable retirement. You are interested in travel, recreation and self education. 2 Retired No longer working, you must rely on existing funds and investments to maintain your lifestyle. You may be receiving the age pension and are keen to enjoy life and maintain your health. 1 11

14 How familiar are you with investment markets? Very little understanding or interest 1 Not very familiar 2 Have enough experience to understand the importance of diversification. 3 Understand that markets may fluctuate and that different market sectors offer different income, growth and taxation characteristics Experienced with all/many investment sectors and understand the various factors which may influence performance. 4 5 Please mark which of the following investment types you have previous experience investing in and indicate whether the investment assisted in achieving your objectives. Asset Class Achievement of investment objective Fixed Interest Negative Neutral Positive Australian Equities Negative Neutral Positive Listed Property Negative Neutral Positive Direct Property Negative Neutral Positive International Equities Negative Neutral Positive 12

15 The following table outlines the most common concerns for investors. Please mark which level of concern is most applicable to you: Low Level of Concern Medium Level of Concern High Level of Concern Volatility Risk Capital Return Income Return What return do you reasonably expect to achieve from your investments? A return without losing any capital 1 Inflation rate plus 1 2% per annum 2 Inflation rate plus 3 4% per annum 3 Inflation rate plus 5 6% per annum 4 Inflation rate plus 6 % or over per annum 5 If you didn t need your capital for more than 10 years, for how long would you be prepared to see your investment performing poorly before you cashed it in? You would cash it in if there was any loss in value 0 Up to 3 months 1 Up to 6 months 2 Up to 1 year 3 Up to 2 years 4 More than 2 years 5 13

16 The greatest tax savings are generally obtained from more volatile investments. Which balance do you feel most comfortable with? Preferably guaranteed returns, before tax savings. 1 Stable, reliable returns, minimal tax savings. 2 Some variability in returns, some tax savings. 3 Moderate variability in returns, reasonable tax savings. 4 Unstable, but potentially higher returns, maximum tax savings. 5 From 1 November 2007 to 1 November 2008 the Australian sharemarket fell 42%. What would your reaction be as an investor if you had invested $1,000,000 in the Australian share market before 1 November 2007 and by 1 November 2008 your investment was worth only $580,000? Horror. Security of your capital is critical and you did not intend to take risk. 1 You would cut your losses and transfer your money into more secure investment sectors. 2 You would be concerned, but would wait and see if the investments improve 3 You understand that this was a calculated risk and you would leave the investments in place, expecting performance to improve. You would invest more funds to lower your average investment price, expecting future growth

17 Which of the following best describes your purpose for investing? You can invest for longer than 3 years. You understand investment markets and are mainly investing for growth in assets such as shares and property in order to accumulate long term wealth. You are not nearing retirement yet, have surplus funds to invest and you are aiming to accumulate long term wealth from a diversified portfolio, comprising shares, property, fixed interest and cash. You have a lump sum (for example, an inheritance or an eligible termination payment from your employer) and you are uncertain about what investment alternatives are available. You are nearing retirement and you are investing to ensure you have sufficient funds available to enjoy your retirement. You want a regular income stream and/or to totally protect the value of your savings For how long would you expect most of your money to be invested before you would need to access it? (Assuming you and/or your financial adviser have made plans to meet short term financial goals and to handle emergencies?) Less than 2 years 1 Between 2 and 3 years 2 Between 3 and 5 years 3 Between 5 and 7 years 4 Longer than 7 years 5 Total Investor Risk Profile Score 15

18 Risk Category Guidance Low Risk We generally see low risk investor as; Seeking to preserve their current value of capital acknowledging that this may limit the long term investment growth opportunities; Wishing to invest for the short term which should be generally regarded as less than 12 months; Using assets in the portfolio that have substantial exposure to cash and fixed interest investments Medium Risk We generally see medium risk investor as; Seeking to achieve higher overall investment returns, while keeping a balanced approach to portfolio volatility and growth expectations; Seeking income from their investment portfolio with proportionately more weighting to fixed interest and cash assets; Medium volatility of capital value is important; Having a minimum investment time frame of 3 5 years High Risk We generally see high risk investor as; Seeking to achieve balanced growth over the medium to long term; Seeking to achieve a high level of growth on an investment, prepared to accept a modest income stream; Accepting a higher level of volatility in anticipation of higher returns over the medium to long term; Having a minimum investment time frame of 6 7 years

19 Part C Acknowledgement / Declaration Acknowledgment / Declaration Note: The following details to be discussed and completed with you during our interview. The information provided in this Data Collection Form is complete and accurate to the best of my/our knowledge and is provided to assess my/our requirements for investments and/or risk products. I/We understand that recommendations made without my/our completion of a Data Collection Form, or following my/our partial or inaccurate completion, may not be appropriate to my/our needs. I / We will advise you of any relevant change in my/our current situation, needs or objectives that may reasonably have an effect on the advice provided. I / We confirm that I/we have received a copy of Sornem Private Wealth s. Financial Services Guide from my/our Adviser and understand the contents. I / We understand that this questionnaire may not be conclusive and will supply any relevant additional information required. I / We understand that I/we may raise any further matters with my/our Adviser who in turn, may ask further questions. I / We authorise my/our Adviser to obtain further details as required. I / We give authority for you to send me/us s at the address supplied which relate to investment opportunities and/or information you become aware of which may be of interest to me/us. Name Name Signature Date Signature Date 17

20 Part D Scope of Advice Statement / Authorisation Scope of Advice Statement / Authorisation I / We authorise you to retain my/our tax file number on file and understand that it will not be released to a third party without my consent, except where it is the direct result of the advice. Legislation requires that the/our Adviser must know the client before making any recommendations. However, there is provision that in certain circumstances an Adviser may supply limited advice. If you are seeking limited advice of a particular nature you must make this known at the time of the interview and you should recognise that the recommendations will only relate to that limited advice being sought. I / We require advice on a full range of services. I / We require only limited advice as specified in this Data Collection Form, which is limited to the following areas of advice only: Investment Advice Financial Planning Advice Superannuation & Rollovers Advice Retirement Planning Advice Life Insurance Total and Permanent Disability Insurance Trauma Insurance Income Protection Insurance Insurance Investment Advice Business Overhead Insurance Name Name Signature Date Signature Date 18

21 Notes 19

22 Notes 20 20

23

24 SORNEM PRIVATE WEALTH Level Little Collins Street Melbourne, Victoria 3000 Australia GPO Box 2031 Melbourne, Victoria 3001 T F sornemwealth.com.au ABN

Client Questionnaire (Fact Finder)

Client Questionnaire (Fact Finder) Part 2 Client Questionnaire (Fact Finder) The information requested in this Client Questionnaire is necessary to enable recommendations to be made and will be used solely for that purpose. We accept no

More information

Lifestyle Assessment and Financial Overview (Part A)

Lifestyle Assessment and Financial Overview (Part A) Achieving your lifestyle goals Lifestyle Assessment and Financial Overview (Part A) Thank you in advance for taking the time to provide the information requested overleaf. We believe that the creation,

More information

personal financial planning interview questionnaire

personal financial planning interview questionnaire name: name: Financial advisor s name: Tony Novak, Freedom Benefits, 800-609-0683 Date of interview: Documents reviewed: Tax returns Liability insurance policies Medical insurance policies Life insurance

More information

SMSF Financial Needs Analyser

SMSF Financial Needs Analyser SMSF Financial Needs Analyser To have a complete Statement of Advice prepared for you, you need to provide full details of your financial position to your Count adviser. If you require only restricted

More information

Insurance Personal Questionnaire

Insurance Personal Questionnaire Insurance Personal Questionnaire Name of Client 1: Name of Client 2: This section is completed by your Adviser Adviser Name: Adviser Code: Interview Date: FSG Version Number Provided: Adviser Profile Number

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 3 June 2014 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

Lifestyle Assessment and Financial Overview (Part A)

Lifestyle Assessment and Financial Overview (Part A) Achieving your lifestyle goals Lifestyle Assessment and Financial Overview (Part A) Thank you in advance for taking the time to provide the information requested overleaf. We believe that the creation,

More information

Dover Financial Advisers

Dover Financial Advisers Dover Financial Advisers CLIENT QUESTIONNAIRE Please take the time to complete this document as thoroughly as possible. We use this information to develop our advice to you. If any part of the questionnaire

More information

FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD. Adviser: Matthew Vickers

FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD. Adviser: Matthew Vickers FINANCIAL NEEDS ANALYSIS FNA SNOWGUM FINANCIAL SERVICES PTY LTD Client: Date: / / Adviser: Matthew Vickers TABLE OF CONTENTS Contents Personal Details 1 Goals and Objectives 3 Assets and Liabilities 5

More information

CLIENT QUESTIONNAIRE

CLIENT QUESTIONNAIRE CLIENT QUESTIONNAIRE Version 6 20 th October 2015 Your Adviser Craig Smith Dover Authorised Representative Number 263524 Craig Smith & Associates Pty Ltd Dover Corporate Authorised Representative Number

More information

YOUR DEBT FACT FIND. My debt advice to you will be based on:

YOUR DEBT FACT FIND. My debt advice to you will be based on: YOUR DEBT FACT FIND Before I make any recommendations, I need to ask you about and record your financial situation and goals. This questionnaire is designed to record this information. My debt advice to

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Risk Profile Questionnaire

Risk Profile Questionnaire Risk Profile Questionnaire Full Name Address Suburb Province Postal Code Contact (M) (W/H) Email address Asset Manager Your attitude to Investing This Questionnaire aims to uncover your attitude to investing,

More information

Smart End of Financial Year Strategies

Smart End of Financial Year Strategies Level 7,34 Charles St Parramatta Parramatt NSW 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegie.com.au Build Guide Protect Manage Wealth Smart End of Financial

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

Dover Financial Advisers

Dover Financial Advisers Dover Financial Advisers CLIENT QUESTIONNAIRE Please take the time to complete this document as thoroughly as possible. We use this information to develop our advice to you. If any part of the questionnaire

More information

Is your. potential? Right Strategy.

Is your. potential? Right Strategy. Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make

More information

Prepared For. Wednesday, October 22, 2014. Prepared By

Prepared For. Wednesday, October 22, 2014. Prepared By Protection Fact Find Prepared For Prepared By 1 Protection - Life Cover - Mortgage Protection - Income Protection - Specified Illness - Inheritance Planning Topic Review Priority Time Frame Comments and

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

Self Managed Super Funds

Self Managed Super Funds a guide to Self Managed Super Funds a guide to Self Managed Super Funds 1 disclaimer This ebook has been prepared by EJM Financial Services in conjunction with AMP Financial Planning Pty Limited, ABN 89

More information

WARWICK BUTCHART ASSOCIATES Independent Financial Advisers FINANCIAL PLANNING QUESTIONNAIRE

WARWICK BUTCHART ASSOCIATES Independent Financial Advisers FINANCIAL PLANNING QUESTIONNAIRE WARWICK BUTCHART ASSOCIATES Independent Financial Advisers FINANCIAL PLANNING QUESTIONNAIRE Our role as Independent Financial Advisers can best be described as: To establish To explore To agree To report

More information

Understanding insurance

Understanding insurance Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

CLIENT RISK PROFILE QUESTIONNAIRE

CLIENT RISK PROFILE QUESTIONNAIRE Chadha Investment CLIENT RISK PROFILE QUESTIONNAIRE Financial Advisor: Chadha Investment Client s Name : A. Personal Particulars 1. Where can we reach you? (You prefer mail being sent to: Office Home )

More information

Make sure your SMSF is.

Make sure your SMSF is. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or

More information

Understanding insurance Version 5.0

Understanding insurance Version 5.0 Understanding insurance Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. This document

More information

Understanding gearing Version 5.0

Understanding gearing Version 5.0 Understanding gearing Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to gearing. This document has

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Risk Profile Questionnaire

Risk Profile Questionnaire Risk Profile Questionnaire Names: lient 1 lient 2 Date of ompletion: dviser: Important notice to clients: orporations law requires that in order to make an investment or insurance recommendation, the adviser

More information

#ReachingMyGoals #StartsToday

#ReachingMyGoals #StartsToday About this report The purpose of this report is to provide you a framework for assessing your financial health and, where relevant, trigger further action on your part. We also include insights and practical

More information

Investment Bond & Rollover

Investment Bond & Rollover Investment Bond & Rollover This report includes: Deferred Annuity Capital Guaranteed Collection Rollover Rollover Portfolio and Rollover Parking Fund Capital Guaranteed Collection Investment Bond Investment

More information

Insurance and estate planning. A Financial Planning Technical Guide

Insurance and estate planning. A Financial Planning Technical Guide Insurance and estate planning A Financial Planning Technical Guide 2 Insurance and estate planning Introduction 4 General insurance 4 Private health insurance 4 Personal insurance 5 Business insurance

More information

About this Client Information Form

About this Client Information Form About this Client Information Form This is a Family Investors Company Client Information Form. Please read it carefully, as you will select products and services, tell us how you want to communicate with

More information

Terms of Engagement & Fee Proposal

Terms of Engagement & Fee Proposal Cloud Financial Planning Pty Ltd ABN 32 206 837 858 Authorised Representative Dover Financial Advisers Pty Ltd Australian Financial Services Licensee Geelong Office Level 1 / 2a Belle Vue Arcade Highton

More information

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist IT S A SIGN OF THE TIMES LIFETIME LOAN AUSTRALIAN SENIORS FINANCE The Home Equity Release Specialist UNLOCK THE IN YOUR EQUITY HOME If you want the financial freedom to spend your retirement how you choose,

More information

A Financial Planning Technical Guide

A Financial Planning Technical Guide Insurance and Estate Planning A Financial Planning Technical Guide Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 Contents Introduction 1 General insurance 1 Private health insurance

More information

This guide contains important information about your NSF Super investment options.

This guide contains important information about your NSF Super investment options. Investment guide Personal Division This guide contains important information about your NSF Super investment options. You should read it to help you make an informed investment choice. Contents 1. Investment

More information

Financial Planning Questionnaire

Financial Planning Questionnaire Financial Planning Questionnaire Issue Number 1 March 2012 Prepared for Adviser Name Contents Personal Details 3 Lifestyle and Financial Goals 5 Investment Preferences 7 Income and Expenses 8 Social Security

More information

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme Member Booklet: RBF Tasmanian Accumulation Scheme Information in this booklet is current as at 1 July 2015 Table of contents About the RBF Tasmanian 2 Accumulation Scheme How super works Benefits of investing

More information

Self Managed Super Funds Take charge

Self Managed Super Funds Take charge Self Managed Super Funds Take charge Gain control of your financial future with a Self-Managed Super Fund (SMSF) About Markiewicz & Co. Markiewicz & Co. is one of Australia s leading full service investment

More information

Business Banking Home Loan Top-Up Application Form

Business Banking Home Loan Top-Up Application Form Business Banking Home Loan p-up Application Form For any enquiries contact 1300 658 108 How to apply Prior to applying for a top-up to your Business Banking Standard Home Loan please ensure your request

More information

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM www.jaswealth.com.au Superannuation 101 Everything you always wanted to know but were too afraid to ask What is Superannuation? Superannuation 101 Contents What

More information

Your Debt Fact Find. My contact details

Your Debt Fact Find. My contact details Your Debt Fact Find Before I make any recommendations, I need to ask you about and record your financial situation and goals. This questionnaire is designed to record this information. My debt advice to

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT S MORTGAGE REVERSE A SIGN OF THE TIMES IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.

More information

BROKER HOME LOAN TOP UP APPLICATION.

BROKER HOME LOAN TOP UP APPLICATION. BROKER HOME LOAN TOP UP APPLICATION. Broker Services Email: brokerservices@mebank.com.au Phone: 1300 728 154 Fax: 1300 305 033 Visit: mebank.com.au/broker Broker details Name ME Bank Broker Identification

More information

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376

PRODUCT DISCLOSURE STATEMENT. 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 PRODUCT DISCLOSURE STATEMENT 02 9331 8664 admin@nowinfinity.com.au www.nowinfinity.com.au PO BOX 1409 Potts Point NSW 1335 ABN 16 154 927 376 SMSF Product Disclosure Statement CONTENTS SMSF Product Disclosure

More information

Customer Investment Profile

Customer Investment Profile Customer Name: Account Number: Contact Number: The purpose of this investment profile form is for us to better understand your financial means, investment experience, investment objectives and general

More information

Financial Mappers Tutorial

Financial Mappers Tutorial Financial Mappers Tutorial How to Make a Debt Reduction Plan (Part A) (Age 35 45) How to Invest Without Debt (Part B) (Age 46 65) Disclosure Statement Financial Mappers is not intended to offer, or be

More information

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT Date of issue: 13 August 2015 2 SUPER SA SELECT > PDS CONTENTS 1. About Super SA Select 3 2. How super works 4 3. Benefits of investing with Super SA Select 6

More information

Setting up an SMSF Developing an Investment Strategy for your SMSF

Setting up an SMSF Developing an Investment Strategy for your SMSF Setting up an SMSF Developing an Investment Strategy for your SMSF Australian Shareholders Association Tutorial Resource Library Disclaimer The ASA is not licensed to give financial advice. The content

More information

Application for Business Credit

Application for Business Credit Application for Business Credit Please complete all relevant sections of the Application form and attach copies of requested information to ensure we are in the best possible position to assess your lending

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT S MORTGAGE REVERSE A SIGN OF THE TIMES IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.

More information

Understanding Insurance

Understanding Insurance Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. Important

More information

Financial Services Guide Version 6 20 October 2015

Financial Services Guide Version 6 20 October 2015 www.empiresmsf.com.au Financial Services Guide Version 6 20 October 2015 Your Adviser: Simon Kelman Dover Authorised Representative Number 342608 About Empire SMSF Advisers: The Trustee for Kelman Family

More information

Client Needs Analysis

Client Needs Analysis Date: YOUR DETAILS: Client Needs Analysis Full name (Client 1): Full name (Client 2): If Company and/or Trust: Company/Trust name: ABN/ACN: Registered address: Business address (if different from above):

More information

Client Initial Fact Find / Meeting Notes

Client Initial Fact Find / Meeting Notes Client Initial Fact Find / Meeting tes Date: Meeting Location Credit Advisor Clint / Bertrand / Colin Meeting Type Person / Telephone / Skype Credit Guide Sent: E / F / M CLIENT DETAILS: Full name (Client

More information

Current as at 1 July 2014 Adviser use only. Technical guide: Challenger Lifetime and Term Annuities

Current as at 1 July 2014 Adviser use only. Technical guide: Challenger Lifetime and Term Annuities Current as at 1 July 2014 Adviser use only Technical guide: Challenger Lifetime and Term Annuities Table of contents Introduction 1 Challenger Lifetime Annuities 2 Product features 3 Centrelink treatment

More information

KPMG Staff Superannuation Plan Product Disclosure Statement

KPMG Staff Superannuation Plan Product Disclosure Statement KPMG Staff Superannuation Plan Product Disclosure Statement Prepared: 27 June 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains

More information

Guarantor Application Form

Guarantor Application Form 12/10 12455 Guarantor Application Form Prior to assessing a loan for an applicant and to meet the conditions of our Australian Credit Licence and the National Credit Code, Big Sky staff will aim to meet

More information

Fact Finder. Client Names: Date: Checklist of Documentation. To be completed with your Adviser. Version 26 14 May 2014.

Fact Finder. Client Names: Date: Checklist of Documentation. To be completed with your Adviser. Version 26 14 May 2014. Fact Finder Names: Date: Section One Section Two Section Three Section Four Checklist of Documentation Your Details Supplementary Information To be completed with your Adviser Page 1 of 37 Please read

More information

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net H E L P I N G Y O U A C H I E V E F I N A N C I A L G O A L S FINANCIAL PROFILE 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net INVEST Financial Corporation is

More information

2015 Product Disclosure Statement

2015 Product Disclosure Statement 2015 Product Disclosure Statement Personal Division Issued 1 November 2015 Contents 1. About NSF Super 2. How super works 3. Benefits of investing with NSF Super 4. Risks of super 5. How we invest your

More information

Meeting with your Financial Planner: Helpful Directions

Meeting with your Financial Planner: Helpful Directions Meeting with your Financial Planner: Helpful Directions Please consider the following before our meeting: Information we anticipate you will need to provide at our first consultation: Part 1 1. Your domestic

More information

capability statement Private Wealth

capability statement Private Wealth capability statement Private Wealth 2 Private Wealth CONTENTS Introducing BDO Private Wealth... 3 About BDO Private Wealth... 3 Our Investment Philosophy... 3 Our Beliefs... 3 Our Services... 4 Personal

More information

Guide to Building Your Wealth. 1. What affects the value of money?

Guide to Building Your Wealth. 1. What affects the value of money? Guide to Building Your Wealth 1. What affects the value of money? Money has a tendency to lose its value over time because the price of goods and services usually goes up. This is called inflation. Here

More information

Investment options and risk

Investment options and risk Investment options and risk Issued 1 November 2013 The information in this document forms part of the Product Disclosure Statement for the Commonwealth Superannuation Scheme (CSS), sixth edition, issued

More information

Financial Planning 101

Financial Planning 101 Hughes Forbes Financial Services AFSL 323719 Financial Planning 101 P R E S E N T E D BY F A B I A N P O S T I G L I O N I M a y 2 0 1 2 Disclaimer 2 This material is not intended to constitute personal

More information

Financial Plan Craig Mattern 7 April, 2011 Statement of Advice Prepared by: Jenny Norman, Authorised Representative of AXA Financial Planning

Financial Plan Craig Mattern 7 April, 2011 Statement of Advice Prepared by: Jenny Norman, Authorised Representative of AXA Financial Planning Financial Plan Craig Mattern 7 April, 2011 Statement of Advice Prepared by: Jenny Norman, Authorised Representative of AXA Financial Planning 7 April, 2011 Craig Mattern Unit 1, 10 Donal Place Bentleigh

More information

Home Loan Application Form

Home Loan Application Form How did you hear about us? (Tick only one source) TV Radio Newspaper/Magazine Internet Letter Email ANZ called me Referral from a friend/family Other - please specify Promotion code To assist us please

More information

New Client Package Prepared for

New Client Package Prepared for Table of Contents Personal Information Questionnaire What Do You Want To Do Your Investment Profile Planning Strategies Checklist New Client Package Prepared for Notes To File Fact Finder Date Completed

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Financial Planning Growing a better future

Financial Planning Growing a better future To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning

More information

Application for release

Application for release Application for release Write clearly, using a black pen only. Place X in all relevant boxes. If there is not enough space to provide full details, write the additional information on a separate page.

More information

Superannuation. A Financial Planning Technical Guide

Superannuation. A Financial Planning Technical Guide Superannuation A Financial Planning Technical Guide 2 Superannuation Contents Superannuation overview 4 Superannuation contributions 4 Superannuation taxation 7 Preservation 9 Beneficiary nomination 9

More information

Self Managed Superannuation Fund investment strategy workbook

Self Managed Superannuation Fund investment strategy workbook Self Managed Superannuation Fund investment strategy workbook Issue Number 2 June 2013 Prepared for Prepared by Contents Page Fund s Details 3 Member Details 6 Current SMSF s Assets and Liabilities 14

More information

Understanding debt management

Understanding debt management Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published

More information

Financial Needs Analysis

Financial Needs Analysis Financial Needs Analysis Your name(s): Your adviser: Date completed: / / Mulcahy & Co Financial Planning ABN 33 114 922 271 Australian Financial Services License 340094 300B Gillies Street, Wendouree VIC

More information

Diploma of Financial Services (Financial Planning)

Diploma of Financial Services (Financial Planning) Examination Booklet Diploma of Financial Services (Financial Planning) Module 1: Introduction to Financial Planning Practice Exam (2009/2010 Financial Year) This is a closed book exam. Time allowed is

More information

Designed to help us get to know you better

Designed to help us get to know you better Version Apr 2014 Client 1: Client 2: Entities: Company Trust SMSF Supplementary Fact Find Completed? Designed to help us get to know you better This fact find is designed to help gather your relevant personal

More information

Getting the best out of your superannuation savings

Getting the best out of your superannuation savings Booklet 1 Getting the best out of your superannuation savings MAStech Smart technical solutions made simple Contents Introduction 01 Introduction 03 Saving through super 08 How a super fund works 09 How

More information

Self Managed Superannuation Funds

Self Managed Superannuation Funds Self Managed Superannuation Funds You have as much choice and control over an investment property using your superannuation funds as you would by investing personally Self Managed Superannuation Funds

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

Define your goals. Understand your objectives.

Define your goals. Understand your objectives. Define your goals. Understand your objectives. As an investor, you are unique. Your financial goals, current financial situation, investment experience and attitude towards risk all help determine the

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

More information

Building and protecting your wealth the tax effective way

Building and protecting your wealth the tax effective way Building and protecting your wealth the tax effective way Strategies guide 2014/2015 The lead up to End of Financial Year (EOFY) provides a good opportunity to review your wealth creation plans. At this

More information

INVESTING YOUR SUPER. This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015

INVESTING YOUR SUPER. This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 INVESTING YOUR SUPER FACT SHEET 5 14 AUGUST 2015 NGS Super offers you flexibility and choice when

More information

RE 7: Second Level Regulatory Examination: Long Term Insurance Category B, Long Term Insurance Category C And Retail Pension Funds

RE 7: Second Level Regulatory Examination: Long Term Insurance Category B, Long Term Insurance Category C And Retail Pension Funds COMPLIANCE MONITORING SYSTEMS CC RE 7: Second Level Regulatory Examination: Long Term Insurance Category B, Long Term Insurance Category C And Retail Pension Funds Alan Holton December 2009 All representatives

More information

INVESTMENT. Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you!

INVESTMENT. Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you! 1 Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you! You just need to understand your options and how you can make the most of

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

Home Loan and/or Top Up Application

Home Loan and/or Top Up Application Home Loan and/or Top Up Application How to use this form This form allows you to apply for a new Home Loan and/or apply for a Top-up to obtain additional funds on your existing Maxis Loan. We are here

More information

LifeTrack Personal Superannuation

LifeTrack Personal Superannuation This product disclosure statement has been produced for the successor fund transfer of existing members of the LifeTrack Superannuation Fund to the IOOF Portfolio Service Superannuation Fund. LifeTrack

More information

Some proven financial advice strategies

Some proven financial advice strategies Some proven financial advice strategies There are numerous key financial advice strategies that may put you on the road to achieving your financial goals Debt Management Debt consolidation can lower repayments

More information

Simplifying Statements of Advice. Retirement strategy example SOA

Simplifying Statements of Advice. Retirement strategy example SOA Simplifying Statements of Advice Retirement strategy example 10 February 2009 Development of FPA example Statements of Advice () Financial planners, politicians, and regulators alike share the common goals

More information

Futures suitability statement.

Futures suitability statement. Futures suitability statement. Nature of Futures and Options on Futures Markets Relevant Personal Circumstances Futures and Options Strategies FOR OFFICE USE ONLY Bell Potter Account Name Bell Potter Equity

More information

MLC MasterKey Unit Trust Product Disclosure Statement (PDS)

MLC MasterKey Unit Trust Product Disclosure Statement (PDS) MLC MasterKey Unit Trust Product Disclosure Statement (PDS) Preparation date 1 July 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 This information is general and doesn t take

More information

The path to retirement success

The path to retirement success The path to retirement success How important are your investment and spending strategies? In this VIEW, Towers Watson Australia managing director ANDREW BOAL reports on investing for retirement success

More information

BCP GLOBAL PORTFOLIO SOLUTIONS (GPS)

BCP GLOBAL PORTFOLIO SOLUTIONS (GPS) GROW YOUR FUNDS - PROTECT CAPITAL BCP GLOBAL PORTFOLIO SOLUTIONS (GPS) n n n Access Portfolios of Best in Class Global Funds & Indices With the additional benefit of Capital Security at maturity Ease of

More information

Sunsuper for life Investment guide

Sunsuper for life Investment guide Sunsuper for life Investment guide Identify your investor needs Learn more about Sunsuper's investment options Choose your super investment Preparation date: 9 June 2015 Issue date: 1 July 2015 How we

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

More information

SMSF Trustee Companion

SMSF Trustee Companion If you are thinking about setting up a SMSF, there are a number of decisions you will need to make regarding the structure, operation and management of your fund. To help you understand the process and

More information