Financial Services & Credit Guide

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1 Financial Services & Credit Guide 5 Wealth Management Pty Ltd Part of the 5 Financial Group ABN AFSL No Suite 2C, Level 2 9 Blaxland Road RHODES NSW 2138 PO Box 3162 RHODES NSW 2138 T: (02) F: (02) E: Version 5.10 commencing 8 May 2013

2 1. WHO WE ARE 5 Wealth Management is part of the 5 Financial Group. We are a boutique financial advisory company totally committed to providing you with peace of mind and clarity around your financial life. As well as assisting with wealth accumulation and management, we help ensure you have adequate levels of protection through cash flow management and insurance cover. We have associated companies working under the 5 Financial umbrella who can assist with tax planning and returns, with estate planning and other legal matters and with credit facilities such as home or investment loans. We are independent of any financial institution and pride ourselves on being fully focused on your best interests in helping you to achieve your financial objectives. We operate from one office in Rhodes and all our advisors are full-time employees, paid by salary and not commission. We work together as a team to ensure we can offer a fully integrated and comprehensive service to our clients. Our associates work in the same offices, and are fully engaged with our client philosophy - to provide appropriate and consistent advice to secure your financial future. Our adviser profiles are included in the Appendix. 2. OUR SERVICES 5 Wealth Management is qualified and licensed under its Australian Financial Services Licence and Australian Credit Licence to provide financial advice and assistance in arranging the following wealth accumulation products: Products Deposit and payment products Investment, life and risk insurance products Managed investment schemes Investment bonds and debentures Securities Standard margin lending facilities Superannuation Credit services (where a third party is providing the actual funds) Examples Term deposits, savings accounts, offset accounts Insurance bonds, life and permanent disability cover, trauma cover, income protection insurance Interests in management funds, investor directed portfolio services Government and corporate bonds and debentures Shares in listed and unlisted companies, ETFs Margin loans for investment purposes Managed and self-managed superannuation funds Home loans, car leases, short term loans FSG Version 5.10 Page 2

3 3. HOW WE WORK WITH YOU Most of our clients come to us via referrals or recommendations, some find us through our website and some join us as clients after attending one of our seminars. In all cases, our approach is the same. 1. As a potential client, you are invited to attend a meeting at our offices where we explain our services and our charges, and gather enough information to ascertain whether we can assist you to achieve your financial goals. This meeting is free of charge and without obligation. Either at this meeting or more likely at a subsequent meeting, a comprehensive fact finding process is initiated. This procedure aims to collect the information needed to ascertain your current personal and financial situation and earnings capacity, your personal and financial objectives and time frames, and your tolerance of risk. Frequently, our clients are couples, in which case information for both partners is collected. 2. Because we are committed to ensuring our advice is fair, objective and in your best interests, it is necessary for us to collect a considerable amount of personal information. Without this information, we would be unable to ensure that our advice is appropriate to your situation. We take the matter of client confidentiality and privacy very seriously and this extends not only to adhering to our Privacy Policy (see Appendix) but also to ensuring that our electronic data storage is well maintained and securely backed up and that any associated or service companies with whom we work apply the same strict standards of confidentiality. 3. Once we have obtained all the relevant information (and this may include referring to third parties with your permission), we are able to develop your personal financial strategy, designed to move you from your current position to where you would like to be in a specified time frame. We make a charge for this which will vary depending upon the complexity of your situation. This fixed charge will be explained to you and your authority to proceed will be obtained before we start work on the strategy. 4. Once the financial strategy has been developed, you will be invited to our offices again for a personal presentation. The strategy will also be provided to you in writing in the form of a Statement of Advice (SoA). The SoA will not only cover the strategy, but will also go into some detail in terms of recommended products (including Product Disclosure Statements where appropriate) and the charges associated with implementing the recommendations. It will also provide details of our on-going annual service fee which, once again, depends on the complexity of your strategy and portfolio. The annual service fee covers monitoring the suitability and performance of the strategy in the light of economic conditions, making recommendations for adjustments to your portfolio where appropriate, responding to your queries and dealing with administrative matters throughout the year. It also includes one face to face review meeting per year, the purpose of which is to monitor any changes in your personal circumstances as well as the performance of the strategy. If this review results in the need to make significant changes to the strategy or investment portfolio, we FSG Version 5.10 Page 3

4 will provide a new SoA. At or soon after the annual review meeting, we will provide you with a summary of fees charged for the previous 12 months, details of services provided and a confirmation of the amount of the service fee for the next 12 months - this will only vary beyond an adjustment for inflation if the strategy or investment portfolio becomes more or less complex. 5. After the presentation of the initial SoA you will have the opportunity to consider whether you want to proceed with implementing the strategy and engaging us as on-going advisers. We will only proceed once we have obtained your authority. You also have the option of discontinuing our engagement as advisers at any time in the future, at which point the annual service charge will be discontinued and our responsibility for the appropriateness of our recommendations from that point forwards will also cease. If we provide further personal advice to you after we have issued an initial Statement of Advice and your circumstances have not significantly changed, we may provide the advice to you orally. We will also tell you about any fees or commissions and any associations with Financial Product Issuers or others who may have influenced that advice. We will record these details in a Record of Advice and keep this for seven years after providing the advice to you and you can request a copy of that Record from us. We are active members of our industry association, the Financial Planning Association, and adhere closely to its members code of conduct and ethics. In line with the requirements of legislation and ASIC regulatory guides which control the financial services sector, these include putting the client s interests first, acting with integrity, objectivity, fairness and diligence, maintaining the skills and knowledge to provide professional services competently and protecting the confidentiality of all client information. 4. HOW WE GET PAID As mentioned above, there are three elements to our client charges: 1. The initial engagement fee which includes the development and presentation of the client s personal financial strategy both at a meeting and in writing (SoA). This is likely to fall within the range of $3,000 - $8,000, depending upon complexity. 2. The implementation fee to put in place the recommendations (e.g. opening or closing facilities, completing the paperwork for investment products to be bought / sold, liaising with institutions). We do not handle clients money - clients make payment direct to the product issuer on our instructions. The implementation fee will be quoted in the SoA. 3. The on-going service fee which is an annual charge, billed monthly. This is likely to fall within the range of $4,000 - $20,000 pa, depending upon complexity, and will be quoted in the SoA. FSG Version 5.10 Page 4

5 We will also disclose in your SoA any payments or remuneration we receive from third parties as a result of implementing the recommendations in your strategy. Some of these payments will be rebated to you by way of a reduction in implementation fees. The following are payments we may receive: 1. Where we facilitate personal loans, leases or mortgage facilities on your behalf, we receive an up-front commission of between 0.2% - 1% of the sum borrowed. This commission is rebated against your implementation fee for that product, meaning that in most cases, the implementation fee is reduced to zero. 2. Where we arrange insurance cover on your behalf, we may receive up to 110% of your annual premium in upfront commission and between 10% - 16% of your annual premium as on-going commission. The upfront commission is rebated against the implementation fee for the insurance cover, meaning that in most cases, your implementation fee is reduced to zero. 3. Product issuers may provide us with non-monetary benefits from time to time such as conferences, IT software and training. We do not accept any benefit in kind with a value greater than $300. Any non-monetary benefit received by us and valued between $100 and $300 is recorded in a register which may be inspected by clients at any time. 4. We may receive up to 0.25% pa for balances in Macquarie Cash Management Account. We do not accept or give introduction fees or commissions between the associated companies under the 5 Financial umbrella. All of our advisers are remunerated by fixed salary and are therefore not subject to any financial incentive to recommend one product in favour of another. 5. WHAT HAPPENS IF YOU RE NOT SATISFIED Although we strive to meet and preferably exceed our clients expectations, there are inevitably occasions where we fail to attain this standard. If you are not satisfied with the service we provide, you are asked to contact us in the first instance by phone, or in person and tell us about the problem so that we may endeavour to put things right. If your complaint is of a more serious nature and we are unable to resolve it to your satisfaction within 6 weeks of your notifying us, you have the right to refer the matter to the Financial Ombudsman Service (FOS). Our FOS membership number is Financial Ombudsman Service T: W: E: We maintain professional indemnity insurance as required by our Australian Financial Services and Australian Credit Licences, the Corporations Act and the National Consumer Credit Protection Act. This insurance provides cover for claims made against us and our employees and representatives. FSG Version 5.10 Page 5

6 Appendix 5 FINANCIAL PRIVACY POLICY In order to provide relevant and personal financial advisory services, we need to collect detailed information from our clients and prospective clients. If prospective clients do not provide the information we request, we may be unable to ensure our recommendations are appropriate to their needs. Detailed data gathering is required under the terms of our Australian Financial Services and Australian Credit Licences, and in order to comply with the prevention of money laundering and terrorism financing legislation. We maintain records of clients personal and financial objectives, financial situation and earnings capacity, current and future financial requirements etc. In addition, file notes are made of all telephone and face to face discussions, communications and recommendations. These records are maintained in a secure electronic CRM system (Xplan) hosted by IRESS. If clients wish to examine their file, we can make arrangements for this facility to be available. We uphold strict confidentiality in respect of all client information held by us and insist that the organizations who help us run our business (e.g. IT consultants, CRM hosting) maintain the same high standards. In providing our financial advisory services, we may disclose information to the following parties: Product issuers such as insurance companies, superannuation funds, investment fund managers; Organizations who assist us to meet our legal obligations and run our business, such as lawyers, compliance advisers, accountants, auditors; Organizations which provide us with back office services such as para-planning, investment portfolio services, brokerage; Clients advisers such as stockbrokers and taxation advisers; and Government bodies, where required by law. FSG Version 5.10 Page 6

7 ADVISOR PROFILES Jason Petersen BA (Hons); G Dip Fin Planning (SIA); CERTIFIED FINANCIAL PLANNER Jason is Head of Wealth Management and has been providing financial advice to clients since He specialises in giving advice in the following areas: Wealth Creation Retirement Planning Debt Management Corporate Superannuation Personal Insurances Business Insurances Succession Planning Self Managed Superannuation Direct Equities Jason is a CERTIFIED FINANCIAL PLANNER (CFP) and holds the following qualifications: Bachelor of Arts (Honours) Graduate Diploma of Financial Planning He is a member of the SMSF Professionals Association of Australia. (SPAA) James Sheehan Dip Fin Planning (DFP) James has over 5years experience in Financial Services and specialises in giving advice in the following areas: Wealth Creation Retirement Planning Debt Management Corporate Superannuation Personal Insurances Business Insurances Succession Planning Self Managed Superannuation Direct Equities James holds the following qualifications: Bachelor of Commerce, Accounting and Finance Diploma of Financial Planning FSG Version 5.10 Page 7

8 Roslyn McNutt Dip Fin Planning (DFP) Roslyn is a Paraplanner holding a Diploma of Financial Planning and specialises in giving advice in the following areas: Wealth Creation Retirement Planning Debt Management Corporate Superannuation Personal Insurances Business Insurances Succession Planning Direct Equities FSG Version 5.10 Page 8

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