Future of Financial Advice and how it will benefit you

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Future of Financial Advice and how it will benefit you"

Transcription

1 FoFA Future of Financial Advice and how it will benefit you

2 What is FoFA and how will it benefit me? In 2012, the Federal Government passed a piece of legislation known as the Future of Financial Advice (FoFA). FoFA was designed to improve the quality and transparency of financial advice. Three of the main features of FoFA where you will see changes are: the introduction of Annual Fee Disclosure Statements from 1 July 2013 the banning of Conflicted Remuneration for any new arrangements from 1 July 2013 the introduction of Best Interest Fiduciary Duty FoFA is designed to ensure that your Adviser is acting in your best interests and needs. RBS Morgans is a full service broking and advisory firm. Our business model is designed to ensure that Advisers form a close relationship with you and provide you with the best possible advice. The FoFA legislation has now introduced a regulatory obligation on all industry participants to provide clear and transparent information to you regarding the services provided and how they are charged. The majority of the FoFA reforms come into effect from 1 July 2013.

3 Annual Fee Disclosure Statement If you are a retail client with an ongoing fee arrangement receiving personal advice, you will receive an Annual Fee Disclosure Statement from your Adviser, commencing July This statement will include: a list of the services which you are entitled to receive a list of the services which you have received in the previous twelve months a schedule of the fees which were charged for these services If you are a Sophisticated Investor, or a client receiving general advice or no advice, you will not receive a statement. If you have multiple accounts which receive different levels of advice, only those which fall into the category of personal advice will be included.

4 Conflicted Remuneration Conflicted remuneration refers to any remuneration which may influence an Adviser to recommend a certain financial product or financial strategy. Financial products include platforms such as: investor directed portfolio services (IDPSs) and IDPS-like schemes, which are treated as financial products because they are managed investment schemes superannuation master trusts other superannuation funds and managed discretionary account services FoFA bans any payments to Advisers from product or platform providers which may influence their choice of strategy for your accounts. RBS Morgans is not owned by any organisation and as such our Advisers are not influenced to recommend particular products to clients.

5 Best Interest Fiduciary Duty Best Interest Fiduciary Duty means your Adviser has a legal obligation to: act in your best interest provide appropriate advice warn you if they are giving incomplete advice prioritise your interests RBS Morgans has always sought to act in the best interests of our clients. FoFA now makes this the law. If you have any questions about the Future of Financial Advice Legislation, please contact your RBS Morgans Adviser.

6 Head Office Level 29 Riverside Centre 123 Eagle Street, Brisbane, QLD 4000 Australia GPO Box 202, Brisbane QLD 4001 Australia DX 9007 Telephone: Toll Free: Web: Queensland Brisbane (07) Bundaberg (07) Cairns (07) Caloundra (07) Capalaba (07) Chermside (07) Edward St (07) Emerald (07) Gladstone (07) Gold Coast (07) Ipswich (07) Mackay (07) Milton (07) Noosa (07) Redcliffe (07) Rockhampton (07) Spring Hill (07) Sunshine Coast (07) Toowoomba (07) Townsville (07) Yeppoon (07) New South Wales Sydney (02) Armidale (02) Ballina (02) Balmain (02) Chatswood (02) Coffs Harbour (02) Gosford (02) Hurstville (02) Merimbula (02) Neutral Bay (02) Newcastle (02) Newport (02) Orange (02) Port Macquarie (02) Scone (02) Sydney - (02) Level 9 Sydney - (02) Level 33 Sydney (02) Macquarie St Sydney (02) Macquarie St (Parramatta) Sydney (02) Reynolds Equities Wollongong (02) ACT Canberra (02) Victoria Melbourne (03) Brighton (03) Camberwell (03) Carlton (03) Farrer House (03) Geelong (03) Richmond (03) South Yarra (03) Traralgon (03) Warrnambool (03) Western Australia Perth (08) South Australia Adelaide (08) Norwood (08) Northern Territory Darwin (08) Tasmania Hobart (03) RBS Morgans Limited ABN AFSL A Participant of ASX Group. A Professional Partner of the Financial Planning Association of Australia

Managed Portfolio Portfolio Administration Service

Managed Portfolio Portfolio Administration Service Managed Portfolio Portfolio Administration Service How can Morgans make a difference to you? Our clients have been accessing a wealth of experience in financial services since 1987. While our reputation

More information

Self Managed Super Funds

Self Managed Super Funds Self Managed Super Funds How can Morgans make a difference to you? Our clients have been accessing a wealth of experience in financial services since 1987. While our reputation was established in stockbroking,

More information

Self Managed Super Funds. An essential guide to taking control of your super

Self Managed Super Funds. An essential guide to taking control of your super Self Managed Super Funds An essential guide to taking control of your super 1 An essential guide to taking control of your super It s all about control Superannuation is now a household term. It is a long

More information

Acquisitions storing up

Acquisitions storing up Vol m REIT Australia National Storage REIT NSR AU / NSR.AX Current A$1.55 Market Cap Avg Daily Turnover Free Float Target A$1.69 US$359.8m US$0.65m 95.0% Prev. Target A$1.55 A$458.2m A$0.82m 241.1 m shares

More information

Morgans Client Giving Foundation. Tomorrow s. blossoms. rely on today s seeds. Morgans Philanthropy Limited

Morgans Client Giving Foundation. Tomorrow s. blossoms. rely on today s seeds. Morgans Philanthropy Limited Morgans Client Giving Foundation Tomorrow s blossoms rely on today s seeds Morgans Philanthropy Limited In life, it s not what you get but what you become Albert Einstein Charitable giving We all want

More information

BigAir Group BGL AU / BGL.AX

BigAir Group BGL AU / BGL.AX Vol m Telco - Mobile Australia BigAir Group BGL AU / BGL.AX Nick HARRIS T (61) 7 3334 4557 E nick.harris@morgans.com.au Scott POWER T (61) 7 3334 4884 E scott.power@morgans.com.au BGL140319 Share price

More information

Self Managed Super Funds. In life, it s not what you get but what you. become. Albert Einstein. An essential guide to taking control of your super

Self Managed Super Funds. In life, it s not what you get but what you. become. Albert Einstein. An essential guide to taking control of your super Self Managed Super Funds In life, it s not what you get but what you become Albert Einstein An essential guide to taking control of your super Look through the lens of experience It s all about control

More information

All eyes on the debt re-fi

All eyes on the debt re-fi Coal Mining Australia Whitehaven Coal WHC AU / WHC.AX Current A$1.21 Market Cap Avg Daily Turnover Free Float Target A$1.84 US$1,8m US$3.64m 15.% Prev. Target A$2. A$1,241m A$4.29m 1,26 m shares Up/Downside

More information

void protection solutions

void protection solutions void protection solutions Introduction You re in safe hands with ATF Welcome to ATF, the Australian owned, market leader in the supply of quality solutions for height safety and temporary fencing. For

More information

Diggers & Dealers 2011

Diggers & Dealers 2011 10 Equity Australia Metals & Mining 4 th August 2011 Best Picks Producers: Analysts Saracen Minerals (SAR) Alacer Gold (AQG) Emerging producers Beadell Resources (BDR) Sandfire Resources (SFR) YTC Resources

More information

MEDIA RELEASE FOR IMMEDIATE RELEASE 13 October 2014

MEDIA RELEASE FOR IMMEDIATE RELEASE 13 October 2014 MEDIA RELEASE FOR IMMEDIATE RELEASE 13 October 2014 Not enough classrooms, hospital beds and more: New forecasts show demand exceeds supply in some regions Australian Construction Industry Forum (ACIF)

More information

Financial Services Guide

Financial Services Guide version 1 issued 17 february 2016 Financial Services Guide Morgan Stanley Wealth Management Australia Pty Ltd ABN 19 009 145 555 AFSL 240813 Level 26 Chifley Tower, 2 Chifley Square, Sydney NSW 2000 This

More information

Investment & Reliability in the Australian National Electricity Market: A Perspective

Investment & Reliability in the Australian National Electricity Market: A Perspective Investment & Reliability in the Australian National Electricity Market: A Perspective Doug Cooke Energy Diversification Division International Energy Agency Joint IEA-NEA Workshop on Power Generation Investment

More information

Financial Services Guide

Financial Services Guide Financial Services Guide JLT Discretionary Trust (JDT) Arrangement MARCH 2014 About JLT The JDT Arrangement is a well-established proven alternative to standard insurance for many companies throughout

More information

Open for business when you are

Open for business when you are Open for business when you are Order from Australasia s largest aftermarket distributor of automotive electrical and thermal control parts all day, every day. Your dynamic online catalogue and purchasing

More information

SPECIALISING IN FACILITY SERVICES

SPECIALISING IN FACILITY SERVICES SPECIALISING IN FACILITY SERVICES Our coverage TJS is a national organisation with regional offices managed by staff from the local community. Our local managers have operational control over services

More information

Anglican Church of Australia General Synod

Anglican Church of Australia General Synod Anglican Church of Australia General Synod General Synod Domestic Travel Policy 1 Applicable for travel on or after July 1 2014. Preamble The Domestic Travel Policy of the General Synod must balance the

More information

Senate Standing Committee on Economics ANSWERS TO QUESTIONS ON NOTICE Treasury Portfolio Supplementary Budget Estimates 18 October 2012

Senate Standing Committee on Economics ANSWERS TO QUESTIONS ON NOTICE Treasury Portfolio Supplementary Budget Estimates 18 October 2012 Question: SBT 592-598 Topic: Hospitality and Entertainment (ATO) Written: Received from Committee 26 October 2012 Senator BUSHBY asked: 592. What is the Department/Agency's hospitality spend for this financial

More information

SOUTHERN CROSS AUSTEREO RADIO COVERAGE

SOUTHERN CROSS AUSTEREO RADIO COVERAGE SOUTHERN CROSS AUSTEREO RADIO COVERAGE QLD - Today Network Programming Rebel Outback Mount Isa Mareeba Cairns Townsville Charters Towers Mackay Emerald Rockhampton Gladstone Rebel Wide Bay Bundaberg Maryborough/Fraser

More information

Financial services guide

Financial services guide Macquarie Equities Limited About this document This Financial Services Guide (Guide) is an important document that outlines the types of products and services that Macquarie Equities Limited ( MEL, we,

More information

GRADUATE DIPLOMA OF LEGAL PRACTICE ADMISSION TO PRACTICE COURSE TIMETABLE 2015

GRADUATE DIPLOMA OF LEGAL PRACTICE ADMISSION TO PRACTICE COURSE TIMETABLE 2015 Summer Session 2015 Term: 2520 Class Nbr Subject Catalogue Description Location Units Start End Last date to Enrol 1432 LEGW 8141 Becoming a Practitioner Melbourne 6 5/01/2015 9/01/2015 9/01/2015 9/01/2015

More information

MINISTER FOR EDUCATION AND INDUSTRIAL RELATIONS

MINISTER FOR EDUCATION AND INDUSTRIAL RELATIONS MINISTER F EDUCATION AND INDUSTRIAL RELATIONS 1. TITLE: Domestic Travelling and Relieving 2. PURPOSE: To compensate employees for expenses incurred when required to travel within Australia on official

More information

CONTRACTOR INFO PACK

CONTRACTOR INFO PACK CONTRACTOR INFO PACK CONTENTS WHO ARE WE? Company Background 2 Vision & Mission 3 National Company Structure 4 Geographical Coverage: Any Time, Any Place 5 WHAT DO WE DO? What Do We Do? 7 Insurance 7 Government

More information

State Super. Fee Booklet. Date of Issue 20 January 2015

State Super. Fee Booklet. Date of Issue 20 January 2015 State Super Personal Retirement Plan ALLOCATED PENSION FUND Fee Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence

More information

How to use the PDF Timetable

How to use the PDF Timetable All data shown in this service is a property of Qantas, is for information only and is subject to change at any time. Given the flexible nature of Qantas schedules, our PDF Timetable may not reflect the

More information

ASBESTOS-RELATED DISEASE ENTITLEMENTS GUIDED CHOICE

ASBESTOS-RELATED DISEASE ENTITLEMENTS GUIDED CHOICE ASBESTOS-RELATED DISEASE ENTITLEMENTS GUIDED CHOICE This fact sheet informs current and former employees of the Commonwealth and Commonwealth authorities diagnosed with an asbestos-related disease (employees),

More information

July 10 statistics. APN Online Publisher Network - Evolution` APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary. Average session duration*

July 10 statistics. APN Online Publisher Network - Evolution` APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary. Average session duration* APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary Network name Impressions* growth** Unique browsers* growth** User sessions* growth** Average page Average session Regional News Network 6,486,953-9%

More information

June 10 statistics. APN Online Publisher Network - Evolution` APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary. Average session duration*

June 10 statistics. APN Online Publisher Network - Evolution` APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary. Average session duration* APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary Network name Impressions* growth** Unique browsers* growth** User sessions* growth** Average page Average session Regional News Network 7,132,389

More information

List of currently Approved Programs of Study as at 18 December 2015

List of currently Approved Programs of Study as at 18 December 2015 List of currently Approved Programs of Study as at 18 December 2015 For Programs which are no longer open to enrolment, please contact APAC Company Course Name Qualification type Approved Campuses Australian

More information

State Super. Fee Booklet. Date of Issue 20 January 2015

State Super. Fee Booklet. Date of Issue 20 January 2015 State Super TAILORED SUPER PLAN FLEXIBLE INCOME PLAN Fee Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence

More information

Mississippi play takes the Lime light

Mississippi play takes the Lime light Oil & Gas Exp & Prodn AUSTRALIA Austex Oil Limited AOK AU / AOK.AX Current A$0.12 Market Cap Avg (12m) Turnover Free Float Target Range A$0.18-0.32 A$44m A$0.07m 51.0% Previous Target N/A US$45m US$0.07m

More information

IF YOU DO NOT ATTEND THE CONFERENCE THE CASE MAY BE SENT TO COURT AND ORDERS MADE IN YOUR ABSENCE.

IF YOU DO NOT ATTEND THE CONFERENCE THE CASE MAY BE SENT TO COURT AND ORDERS MADE IN YOUR ABSENCE. The Case Assessment Conference the first Court event This brochure provides general information and suggests ways to prepare for what will be the first Court event most people have at the Family Court

More information

CairnsWatch. August Level 1, 95 Sheridan Street Cairns Qld 4870 PO Box 6843 Cairns Qld 4870

CairnsWatch. August Level 1, 95 Sheridan Street Cairns Qld 4870 PO Box 6843 Cairns Qld 4870 Watch August 2016 Cairns OVERVIEW AT A GLANCE The Cairns economy continues to experience positive tourism activity indicators, but continues to be impacted by a weak labour market and exceptionally high

More information

Planning Australia s Major Cities

Planning Australia s Major Cities Planning Australia s Major Cities Dorte Ekelund Executive Director Major Cities Unit Presentation to the Planning Research Centre University of Sydney, 14 April 2010 Outline 1. Infrastructure Australia

More information

Notification of Closure, Sale or Transfer of Ownership or Management Form

Notification of Closure, Sale or Transfer of Ownership or Management Form Notification of Closure, Sale or Transfer of Ownership or Management Form Attachment A contains information on your obligations to notify the (the department) of changes to your service operation. Please

More information

Children s Services Licensing and Standards

Children s Services Licensing and Standards Children s Services Licensing and Standards Fact Sheet: Centre Based Child Care Approved Qualifications The qualifications outlined in this fact sheet are approved qualifications for working in a child

More information

Current. Up/downside. The farm-out deal validates the prospectivity of the block and ensures PVD is funded for the drilling.

Current. Up/downside. The farm-out deal validates the prospectivity of the block and ensures PVD is funded for the drilling. Energy AUSTRALIA Pura Vida Energy PVD AU / PVD.AX Notes from the Field Important: The recommendation has been made on a 12 month view and may not suit your investment needs or timeframe. The basis it is

More information

Furniture Cabinet Locks. The lock by lock experts

Furniture Cabinet Locks. The lock by lock experts F U R N I T U R E C A B I N E T L O C K S Furniture Cabinet Locks The lock by lock experts The Lock from Lock Experts Cyber Lock The Lock from Lock Experts Cyber Lock, the premium brand of cabinet lock

More information

State Super Retirement Fund

State Super Retirement Fund State Super Retirement Fund Investment Booklet Fixed Fund Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence No. 238430

More information

Notice of Child Abuse, Family Violence or Risk of Family Violence

Notice of Child Abuse, Family Violence or Risk of Family Violence FAMILY COURT OF AUSTRALIA Notice of Child Abuse, Family Violence or Risk of Family Violence www.familycourt.gov.au This form is to be used: (a) when allegations of child abuse or risk of child abuse are

More information

Monthly Fuel Price Report January 2016

Monthly Fuel Price Report January 2016 Cost in cents per litre Monthly Fuel Price Report January 16 3 February 16 The RACQ monthly fuel price report presents a summary of the fuel price trends in Queensland for January 16. Key points The average

More information

Disbursements guidelines

Disbursements guidelines Disbursements guidelines Benchmark hourly rates and expenses Hourly rates, travel expenses and travel time, motor vehicle mileage, travel accommodation, meals and incidentals for Professional Engineer

More information

Notice of Child Abuse, Family Violence, or Risk of Family Violence

Notice of Child Abuse, Family Violence, or Risk of Family Violence family court of australia Notice of Child Abuse, Family Violence, or Risk of Family Violence Form 4 www.familycourt.gov.au Use this form in all proceedings for an order under Part VII commenced before,

More information

CairnsWatch. May Level 1, 95 Sheridan Street Cairns Qld 4870 PO Box 6843 Cairns Qld 4870

CairnsWatch. May Level 1, 95 Sheridan Street Cairns Qld 4870 PO Box 6843 Cairns Qld 4870 Watch May 2016 Cairns OVERVIEW AT A GLANCE The Cairns economy remains characterised by positive tourism activity indicators feeding through into slowly improved employment, but with unemployment remaining

More information

A Newsletter to our clients... October, 2015.

A Newsletter to our clients... October, 2015. AUSTRALIA WIDE TAXATION & PAYROLL TRAINING ACN 071 638 241 ABN 16 071 638 241 PHONE: 1800 803337 A Newsletter to our clients... October, 2015. AWAITING INTRODUCTION OF LEGISLATION FOR MEAL ENTERTAINMENT

More information

Flight Schedule Jetstar Network NW12 (28Oct12-30Mar13) As at 09 October 2012

Flight Schedule Jetstar Network NW12 (28Oct12-30Mar13) As at 09 October 2012 Flight Schedule Jetstar Network NW12 (28Oct12-30Mar13) As at 09 October 2012 Flight Effect Discon Freqncy From To Equip Depart Arrive Flight Effect Discon Freqncy From To Equip Depart Arrive 1 - Monday

More information

Marriage, Families & Separation FAMILY COURT OF WESTERN AUSTRALIA

Marriage, Families & Separation FAMILY COURT OF WESTERN AUSTRALIA Marriage, Families & Separation FAMILY COURT OF WESTERN AUSTRALIA This brochure provides information for couples considering separation or divorce. It also includes information for people affected, or

More information

Children s Services Licensing and Standards Fact Sheet

Children s Services Licensing and Standards Fact Sheet Children s Services Licensing and Standards Fact Sheet Early Childhood Approved Qualifications The Managing to Support Quality Area of the QIAS states that Quality SOUTH AUSTRALIA Hartley College of Advanced

More information

A GUIDE TO CROSS-BORDER WORKERS COMPENSATION ARRANGEMENTS

A GUIDE TO CROSS-BORDER WORKERS COMPENSATION ARRANGEMENTS A GUIDE TO CROSS-BORDER WORKERS COMPENSATION ARRANGEMENTS July 2007 A Guide to Cross Border Workers Compensation Arrangements Page 1 PURPOSE OF THIS GUIDE The purpose of this document is to provide guidance

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE What you need to know about KNM and our Financial Services Contents The purpose of this Guide Who is KNM? Who is your adviser? What products can my adviser provide advice on? How

More information

3.2 Cataract surgery 40 years and over

3.2 Cataract surgery 40 years and over 3.2 Cataract surgery 40 years and over Context This data item examines cataract surgery rates for people 40 years and over. Data for cataract surgery is counted as services charged to the MBS, which is

More information

KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS. The 2015 Hays Salary Guide: Salary & Recruiting Trends. hays.com.au hays.net.

KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS. The 2015 Hays Salary Guide: Salary & Recruiting Trends. hays.com.au hays.net. KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS The 2015 Hays Salary Guide: Salary & Recruiting Trends hays.com.au hays.net.nz OPPORTUNITIES FOR GROWTH We are on the verge of a significant shift in

More information

Financial Services Guide

Financial Services Guide Financial Services Guide 1 November 2015 This Financial Services Guide is issued by: JBWere Limited (JBWere) ABN 68 137 978 360, AFSL 341162 jbwere.com Unless otherwise disclosed in the product disclosure

More information

MAURICE BLACKBURN LAWYERS WILL DISPUTES

MAURICE BLACKBURN LAWYERS WILL DISPUTES MAURICE BLACKBURN LAWYERS WILL DISPUTES 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are facing an unfair situation, you and your family shouldn t have to suffer. That s why we never stand back

More information

Australian Housing Outlook 2014-2017. By Robert Mellor, Managing Director BIS Shrapnel Pty Ltd October 2014

Australian Housing Outlook 2014-2017. By Robert Mellor, Managing Director BIS Shrapnel Pty Ltd October 2014 Australian Housing Outlook 2014-2017 By Robert Mellor, Managing Director BIS Shrapnel Pty Ltd October 2014 Recent Residential Property Market Trends Residential property demand has varied across purchaser

More information

Teaching in Australia through Smart Teachers Questions and Answers

Teaching in Australia through Smart Teachers Questions and Answers Teaching in Australia through Smart Teachers Questions and Answers Contents What qualifications are required to teach in Australian Schools?... 2 Do you place Newly Qualified Teachers?... 2 What documents

More information

SELECTIVE INVESTMENT INSIGHTS TO INFORM. The 2013 Hays Salary Guide: Salary & Recruiting Trends

SELECTIVE INVESTMENT INSIGHTS TO INFORM. The 2013 Hays Salary Guide: Salary & Recruiting Trends SELECTIVE INVESTMENT INSIGHTS TO INFORM The 2013 Hays Salary Guide: Salary & Recruiting Trends STABILITY RETURNS As the dust starts to settle on the shifting picture for WA and QLD, forecasts point towards

More information

MAURICE BLACKBURN LAWYERS WILL DISPUTES

MAURICE BLACKBURN LAWYERS WILL DISPUTES MAURICE BLACKBURN LAWYERS WILL DISPUTES 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your family shouldn t have to suffer. That s

More information

Onshore/Offshore Technical Skills Record (OTSR) Course in Electrician Minimum Australian Context Gap (10145NAT)

Onshore/Offshore Technical Skills Record (OTSR) Course in Electrician Minimum Australian Context Gap (10145NAT) Onshore/Offshore Technical Skills Record (OTSR) Course in Electrician Minimum Australian Context Gap (10145NAT) Candidate Information Kit UEE30811 - Certificate III in Electrotechnology Electrician Congratulations

More information

To contact your nearest Queensland Oral Health Service Facility please click on the related Hospital and Health Service (HHS) from the list below -

To contact your nearest Queensland Oral Health Service Facility please click on the related Hospital and Health Service (HHS) from the list below - To contact your nearest Queensland Oral Health Service Facility please click on the related Hospital and Health Service (HHS) from the list below - o Cairns and Hinterland HHS o Central Queensland HHS

More information

CASH CONVERTERS. Class Action

CASH CONVERTERS. Class Action CASH CONVERTERS Class Action Cash Converters class actions Two class actions have been launched in the Federal Court of Australia by Maurice Blackburn Lawyers seeking compensation for Cash Converters customers

More information

LGA and population density maps of major cities

LGA and population density maps of major cities LGA and population density maps of major cities Maps of major cities, local government areas (LGA) and population density Local government boundaries are continually changing. The maps below represent

More information

Change in proportion of the population with a bachelor degree or higher in Adelaide 1996-2011 (SLA)

Change in proportion of the population with a bachelor degree or higher in Adelaide 1996-2011 (SLA) Gawler Elizabeth Port Adelaide ADELAIDE Glenelg Mount Barker Noarlunga with a bachelor degree or higher in Adelaide Thurgoona ALBURY Wodonga with a bachelor degree or higher in Albury - Wodonga Caboolture

More information

PRUE WALSH CAREER SUMMARY

PRUE WALSH CAREER SUMMARY Play Environment Consulting Prue Walsh 8/269 Abbotsford Road, Bowen Hills, Q, 4006 PO Box 135, Albion, Q, 4010 Ph: 07/32522262, Fax: 07/32520260 Email: prue@playconsulting.com www.playconsulting.com ABN

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE A GUIDE TO OUR RELATIONSHIP WITH YOU AND OTHERS This Financial Services Guide (FSG) is designed to assist you in deciding whether to use the services of Entrust Private Wealth

More information

ROOF SLOPE D E S I G N G U I D E D G R S

ROOF SLOPE D E S I G N G U I D E D G R S ROOF SLOPE D E S I G N G U I D E DG RS ROOF SLOPE GUIDE Selecting the optimum roofing profile for applications where is a key consideration. Incorporates detailed regional rainfall intensities. Important

More information

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DEATH BENEFITS

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DEATH BENEFITS MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE DEATH BENEFITS 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your

More information

PRESIDENTIAL APPOINTMENT APPLICATION FORM CAPITAL VALUATIONS

PRESIDENTIAL APPOINTMENT APPLICATION FORM CAPITAL VALUATIONS Independent Objective Authoritative The home for property professionals in Australia Australian Property Institute Limited PRESIDENTIAL APPOINTMENT APPLICATION FORM CAPITAL VALUATIONS Australian Property

More information

TED SECOMBE. Artist and Master Potter

TED SECOMBE. Artist and Master Potter TED SECOMBE Artist and Master Potter PERSONAL Born in Australia 1957 EDUCATION Downlands College - Queensland, Australia Graduated with CBLT Associate Diploma in Medical Technology Bachelor of Science

More information

Regional Radio Guide

Regional Radio Guide Regional Radio Guide Regional Radio Key Facts In regional Australia there are around 217 commercial radio stations servicing a potential audience of over 9.7 million people. Regional Australians use radio

More information

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd

Financial Services Guide. Anne Street Partners Financial Services Pty Ltd Financial Services Guide Anne Street Partners Financial Services Pty Ltd Financial Services Guide (FSG) Anne Street Partners Financial Services Pty Ltd ABN 25 107 671 563. Level 14, 383 Kent Street, Sydney

More information

Financial ServiceS Guide

Financial ServiceS Guide Financial ServiceS Guide Your Service Provider is: Graham Financial Pty Ltd ABN 40 099 693 606 Australian Financial Services Licence Number: 327520 Membership: Financial Planning Association Pty Ltd Boutique

More information

Population growth highlights and trends, Queensland regions, 2015 edition

Population growth highlights and trends, Queensland regions, 2015 edition Population growth highlights and trends, Queensland regions, 2015 edition Queensland Government Statistician s Office Queensland Treasury http://www.qgso.qld.gov.au/ The State of Queensland (Queensland

More information

89% 56% Healthy Communities: HPV immunisation rates for girls in Girls fully immunised against HPV: range across PHN areas

89% 56% Healthy Communities: HPV immunisation rates for girls in Girls fully immunised against HPV: range across PHN areas Healthy Communities: HPV immunisation rates for girls in 2013 Published August 2015 Girls against HPV: range across PHN areas This report shows regional variations in the percentages of girls who turned

More information

headspace 2012-2015 Compassionate We listen and want to make a difference for young people Inclusive We value a diversity of opinion and background

headspace 2012-2015 Compassionate We listen and want to make a difference for young people Inclusive We value a diversity of opinion and background headspace Our Strategic values Plan Compassionate We listen and want to make a difference for young people 2012-2015 Inclusive We value a diversity of opinion and background Responsive We are agile, flexible

More information

Commercial Radio Broadcasting Licences

Commercial Radio Broadcasting Licences Commercial Radio Broadcasting Licences Total Licences: 274 AM Services: 104 Total Services: 273 FM Services: 152 NON-BSB: 12 Date Published: 29/03/2016 29 Mar 2016 LIC022 1 of 15 AUSTRALIA WIDE S40 1130032

More information

ASSET MANAGEMENT SERVICES One team with one goal: managing assets to maximise your financial returns.

ASSET MANAGEMENT SERVICES One team with one goal: managing assets to maximise your financial returns. ASSET SERVICES One team with one goal: managing assets to maximise your financial returns. ASSET SERVICES Knight Frank is the world s largest privately owned global property agency and consultancy firm.

More information

National Training Funding Summary

National Training Funding Summary National Training Funding Summary T R A I N I N G I R E D E F I N I N G P E R F O R M A N CE Federal and State Government Training Funding Summary The following table outlines the Government incentives,

More information

Travel Guide. Domestic Pet. travel guide. Domestic pet. travel guide

Travel Guide. Domestic Pet. travel guide. Domestic pet. travel guide Domestic Pet Travel Guide Domestic pet travel guide Domestic pet travel guide Thank you for choosing Virgin Australia to take care of your pet that is joining you on your upcoming travel. Please find some

More information

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE INCOME PROTECTION

MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE INCOME PROTECTION MAURICE BLACKBURN LAWYERS SUPERANNUATION & DISABILITY INSURANCE INCOME PROTECTION 02 MAURICE BLACKBURN YOU RE WORTH FIGHTING FOR. If you are hurt, injured, or are facing an unfair situation, you and your

More information

Drake Synergizer. Measuring Your Way to Profit Improvement

Drake Synergizer. Measuring Your Way to Profit Improvement Drake Synergizer Measuring Your Way to Profit Improvement Quantify Integrate Predict How does an organisation measure the value of their talent and efforts to manage that talent? How is productivity quantified?

More information

Facilities with DVA Private Hospital contracts

Facilities with DVA Private Hospital contracts Facilities with DVA Private Hospital contracts Calvary John James Hospital Calvary Private Hospital Canberra Private Hospital National Capital Private Hospital Alwyn Rehabilitation Hospital Armidale Private

More information

TECHNICAL UPDATE TAX INCENTIVES FOR INNOVATION LEGISLATION INTRODUCED

TECHNICAL UPDATE TAX INCENTIVES FOR INNOVATION LEGISLATION INTRODUCED TECHNICAL UPDATE TAX INCENTIVES FOR INNOVATION LEGISLATION INTRODUCED THE FEDERAL GOVERNMENT HAS INTRODUCED LEGISLATION TO COMMENCE THE IMPLEMENTATION OF ITS INNOVATION STATEMENT OF DECEMBER 2015, WHICH

More information

February 11 statistics

February 11 statistics APN ONLINE PUBLISHER AUSTRALIA & NZ - Executive Summary Network name Impressions* growth** Unique browsers* growth** User sessions* growth** Average page Average session Regional News Network 9,200,177-65%

More information

Investment. Phillip Street, Sydney. Capability Statement

Investment. Phillip Street, Sydney. Capability Statement Investment ADVISORY services Australia Phillip Street, Sydney Capability Statement Optus Centre, Macquarie Park Investment Advisory Services OVERVIEW CBRE s Investment Advisory Services team provides a

More information

Capital Cities of Australia

Capital Cities of Australia Capital Cities of Australia Overview This activity uses a map of Australia and the populations of Capital cities as a source of large numbers for students to practise ordering, verbalising, and approximating,

More information

Supporting Australia s Live Music Industry: Suggested principles for best practice

Supporting Australia s Live Music Industry: Suggested principles for best practice Supporting Australia s Live Music Industry: Suggested principles for best practice 2010 2010 Commonwealth of Australia, in conjunction with the governments of the Australian Capital Territory, New South

More information

SELECTIVE INVESTMENT INSIGHTS TO INFORM. The 2013 Hays Salary Guide: Salary & Recruiting Trends

SELECTIVE INVESTMENT INSIGHTS TO INFORM. The 2013 Hays Salary Guide: Salary & Recruiting Trends SELECTIVE INVESTMENT INSIGHTS TO INFORM The 2013 Hays Salary Guide: Salary & Recruiting Trends STABILITY RETURNS As the dust starts to settle on the shifting picture for WA and QLD, forecasts point towards

More information

2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE

2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE 2012 HAYS SALARY GUIDE SHARING OUR EXPERTISE Salary and recruiting trends across Australia & New Zealand YEARS OF EXPERIENCE 36 LOCATIONS IN THE REGION 38 850+ CONSULTANTS IN AUSTRALIA & NEW ZEALAND 12,000

More information

Review of the financial advice industry s implementation of the FOFA reforms

Review of the financial advice industry s implementation of the FOFA reforms REPORT 407 Review of the financial advice industry s implementation of the FOFA reforms September 2014 About this report Between October 2013 and April 2014 ASIC met with representatives of 60 Australian

More information

RP Data Housing market update. October 2014

RP Data Housing market update. October 2014 RP Data Housing market update October 2014 Residential real estate underpins Australia's wealth Source: RP Data, ASX, SPAA, PCA 2 Capital gain: Home values up 9.3% over past year, however the annual rate

More information

ASX/MEDIA ANNOUNCEMENT

ASX/MEDIA ANNOUNCEMENT MFS DIVERSIFIED GROUP COMPRISING: MFS DIVERSIFIED TRUST ( Trust ) ARSN 104 482 206 (RESPONSIBLE ENTITY: MFS DIVERSIFIED GROUP MANAGEMENT LTD ABN 77 116 506 882, AFSL 304866) MFS DIVERSIFIED LIMITED ( Company

More information

WA LABOR WA Jobs First

WA LABOR WA Jobs First WA LABOR WA Jobs First A Fresh Approach for WA WA Labor Policy December 2016 LOCAL JOBS A PRIORITY FOR A MCGOWAN LABOR GOVERNMENT A McGowan Labor Government will on day one tear up the list of occupations

More information

Project management & building consultancy Professionalism that is unrivalled.

Project management & building consultancy Professionalism that is unrivalled. Project management & building Professionalism that is unrivalled. New Buildings Construction of a 28,000m 2 printing facility for owner occupier. Phase 1-10,000m 2 Site acquisition Statutory consents Project

More information

The Strata Benchmarking Trends and tips

The Strata Benchmarking Trends and tips The Strata Benchmarking Trends and tips What is your role in the business? Owner 45% Principal 35% Average # lots managed 2012 3,916 2015 3,275 How long has your business been operating? 11+ years 51%

More information

KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS. The 2015 Hays Salary Guide: Salary & Recruiting Trends. hays.com.au hays.net.

KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS. The 2015 Hays Salary Guide: Salary & Recruiting Trends. hays.com.au hays.net. KEEP TRACK OF THE TRENDS INSIGHTS FROM THE EXPERTS The 2015 Hays Salary Guide: Salary & Recruiting Trends hays.com.au hays.net.nz OPPORTUNITIES FOR GROWTH We are on the verge of a significant shift in

More information

Financial services guide

Financial services guide Financial services guide The Financial Services referred to in this guide are offered by: Dixon Advisory & Superannuation Services Ltd ABN 54 103 071 665 AFSL 231143 A hard copy of this document is available

More information

CLIMATE ZONE MAPS. Dowell ThermaLine

CLIMATE ZONE MAPS. Dowell ThermaLine Dowell ThermaLine CLIMATE ZONE MAPS Australia has a varied climate, leading to different locations around the country having different heating and cooling requirements. - 36 - Energy efficiency Deemed-to-Satisfy

More information

Q150 Digital Books Section Details

Q150 Digital Books Section Details Office of Economic and Statistical Research discover more about historical Queensland Q150 Digital Books Section Details Name: Queensland Past and Present: 100 Years of Statistics, 1996 Section name: Chapter

More information

Annual Fuel Price Report 2015

Annual Fuel Price Report 2015 Annual Fuel Price Report The RACQ s Annual Fuel Price Report for provides an overview of fuel price movements during the year, with a focus on the key Brisbane capital city market. Key Points In the second

More information