Designed to help us get to know you better

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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 and financial information, and goals. We use this information, along with our discussions, to help develop a financial strategy that is suitable for your needs.

Potential strategies and products may be discussed during the information gathering process. These should only be acted upon once formal advice, information and explanation have been provided in a suitable advice document.

We look forward to assisting you to reach your financial goals. If you have any questions about this please contact us.

Sydney Financial Planning ABN 60-898-090-975

Suite 13, Level 2, 201 New South Head Road, Edgecliff NSW 2027 phone 02 9328 0876 email email@sydneyfinancialplanning.com.au web www.sydneyfinancialplanning.com.au Your Financial Planner: Date of Completion: _{/ /}

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Life Map

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Contact Details

Electronic document delivery You can request a paper copy of these documents at any time, free of charge. If you wish to

unsubscribe from electronic document delivery, please contact our office. Client 1 Client 2 Title Mr Mrs Ms Mr Mrs Ms Dr Miss [ ] Dr Miss [ ] Surname First name Preferred name Date of birth age

_ _ / _ _ / _ _ _ _

age Country of residence/citizenship Residential address If less than two years, last address

Postal address _{as above} Preferred method of

contact home / work telephone – home / work

( _ _ ) _ _ _ _ _ _ _ _

mobile mobile

_ _ _ _ _ _ _ _ _ _

email

_ _ _ _ _ _ _ _ _ _

email

_ _ _ _ _ _ _ _ _ _

Social Media accounts LinkedIn twitter facebook LinkedIn twitter facebook Preferred method of

delivering documents printed electronic printed electronic

If electronic, which documents? FSG PDS FDS SOAs Ongoing Advice Documents FSG PDS FDS SOAs Ongoing Advice Documents

Tax File Number

_{_ _ _ _ _ _ _ _ _}

Associated Entities See attached Supplementary or Additional Fact Find

Entity name: ___________________ Entity name: ___________________ Entity type: Company Trust

SMSF Other……….

Entity type: Company Trust SMSF Other………. ABN/ACN: _____________________ ABN/ACN: _____________________ Customer Reference

Number (Centrelink)

_ _ _ _ _ _ _ _ _ _

Customer Identification

By law we are required to collect, verify and store your information before we can arrange to invest your money.

Select the verified ID source retained on file.

Provide one primary ID source Driver’s licence

Passport Other photo ID

OR Provide two secondary ID sources

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Family & health

Client 1 Client 2

Marital status

single married single married widow de-facto widow de-facto divorced engaged divorced engaged

other [ ] other [

]

Children / Dependents

Name Date of birth Financially

dependent? To Age:

_ _ / _ _ / _ _ _ _

age

_ _ / _ _ / _ _ _ _

age

_ _ / _ _ / _ _ _ _

age

_ _ / _ _ / _ _ _ _

age

Do any of your children have special needs? Yes No Do you have any other financial dependants? Yes

No Are there other family matters I should know? Yes

No

Parents

Mother Current Age Cause of death _{(if applicable)} Current Age Cause of death _{(if applicable)}

Father Current Age Cause of death

(if applicable) Current Age

Cause of death (if applicable)

Your Health/Hobbies

(Please provide details of any health issues, or concerns, sports, hobbies and other interests if applicable)

Select if you smoke? Yes

average per day Yes average per day

Select if you consume

alcohol? Yes average per week Yes average per week

Select if you have private health insurance

Yes Yes

Select if you are exempt from the Medicare surcharge

Yes Yes

Family Health

(Please provide details of your family’s health history if known)

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Cash flow

Providing copies of payslips, tax returns, investment statements and insurance renewals will allow us to use accurate information to prepare our advice documents.

Employment Details

Occupation / position

Industry

Employment status

full time part time full time part time casual contractor casual contractor self employed self employed

unemployed retired unemployed retired not working (ill health) not working (ill health) Name of employer or

business name if self employed

Date started

Address of Employment or registered business address

ABN (if applicable – self-employed)

If you are expecting a change to your employment conditions, please provide details.

Employment type

Permanent full time Permanent part time Fixed term

Casual Casual

Not working/retired Contract

Contract end date:……….

Casual

Not working/retired Contract

Contract end date:………. Occupation

Date started / Date finished

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Comments if previous employment less than 2 years.

Leave

Outstanding Leave Days Value Days Value

Annual Leave

Sick Leave

Long Service Leave

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Income

Only include information about your regular income.

Attached Client 1 Client 2

Salary (excluding super) $ $

Less salary sacrifice ($ ) ($ )

Income from investments $ $

Rental income $ $ Super Pension $ $ Centrelink / DVA Name of payments [ ] $ $ Other $ $ Gross Income $ $

Less Deductible Expenses ($ ) ($ )

Taxable Income $ $

Less Income Tax ($ ) ($ )

Less Medicare Levy ($ ) ($ )

Total Net Income $ $

Combined Net Income $

Reportable fringe benefits? $ $

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Expenses

Record details about extraordinary or once off expenses with your short or long term goals.

If you require more space please complete our online budget planner or ask us for a detailed printed version.

The online budget planner / printed budget planner has been completed. The results are attached to this fact find

Monthly Annually

Mortgage repayments / rent $ $

Investment loan repayments $ $

Car lease / loan / personal loan $ $

Credit card $ $

Contributions to super $ $

Savings / investment plan $ $

Investment property rates/strata/water/repairs $ $

Home rates / electricity / gas / water $ $

Phone / internet / pay TV $ $

Insurance – home / contents $ $

Groceries $ $

Dining out / lunches / coffee $ $

Insurance – personal $ $

Private health insurance $ $

Medical – doctor / dentist / optometrist $ $

Medical - prescriptions $ $

Medical – physiotherapy / other $ $

Education – self $ $

Education – children – school fees $ $

Education – children – uniform/text books/act $ $

Child care $ $

Car – petrol $ $

Car – insurance / registration $ $

Car – tolls / servicing / repairs $ $

Theatre / cinema / memberships / subscriptions $ $

Hobbies / gym / sport $ $

Clothing / shoes / dry cleaning $ $

Hair / make up / beauty $ $

Holidays – short stays $ $

Holidays - extended $ $

Gifts

Cigarettes / alcohol $ $

Pet expenses – food / vet / grooming $ $

Outstanding Tax Liability $ $

Other [ ] $ $

Total annual expenses $ $

Surplus / Deficit

Income - expenses = annual surplus / (deficit) $

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Net Wealth

Providing copies of your mortgage, superannuation and investment statements, rates notices, Centrelink schedules and pension accounts will allow us to use accurate information to prepare our advice documents.

If you require more space, please attach a blank page.

Lifestyle

Assets &

liabilities

Details Assets Liabilities Insurance

Description Owner Current _value _outstandingLoan _{rate paid}Interest Loan type _{e.g. P&I} Lender Insured?

Principal residence $ $ _% Yes _No

Contents $ $ _% Yes _No

Motor vehicle 1 $ $ _% Yes _No

Motor vehicle 2 $ $ _% Yes _No

Credit card $ $ _% Bank account $ $ _% Bank account $ $ _% $ $ _% $ $ _% Total $ $ Net Assets $

Investment property assets and liabilities

Details Assets Liabilities Income & expenses

Description Owner Date purchased _{& price} Current _value Loan type _{e.g. P&I} Outstanding _{loan amt.} _rateInt. Lender Income Expenses

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Property Security

Other non-superannuation investments (continued)

Please include direct shares, managed funds, investment properties.

Investment assets

Owner: C1 / C2 / Joint / Entity Asset Owner Amount Invested $ $ $ $ Date Invested Units/shares Current Value $ $ $ $

Income from asset $ $ $ $

Contributions /mth & portfolio $

Reinvest Income yes no yes no yes no yes no

Fee structure: upfront/ongoing $ or % $ or % $ or % $ or % Investment Liabilities

Loan amount outstanding $ $ $ $

Lender

Loan Type P&I Interest only P&I Interest only P&I Interest only P&I Interest only

Interest rate % % % %

Payment $ $ $ $

Frequency

Net Asset Value $ $ $ $

* Provide CHESS holding statement or purchase date/amount details if considering the sale of shares. If loans are in relation to more than one asset please list on a single line in the table above. Feel free to attach additional information, eg loan structure, to this questionnaire.

Notes

Security property 1 Security property 2

Exact name(s) to appear on Title Exact name(s) to appear on Title

Address Address

Suburb Suburb

State Post code

Owner occupied Investment Owner occupied Investment

Property type

House/Villa Unit Townhouse Vacant land Other

Property type

House/Villa Unit Townhouse Vacant land Other

Purchase price or Estimated market value

Purchase price or Estimated market

value

$ $ $ $

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Other non-superannuation investments (continued)

Please include direct shares, managed funds, investment properties.

Investment assets

Owner: C1 / C2 / Joint / Entity Asset Owner Amount Invested $ $ $ $ Date Invested Units/shares Current Value $ $ $ $

Income from asset $ $ $ $

Contributions /mth & portfolio $

Reinvest Income yes no yes no yes no yes no

Fee structure: upfront/ongoing $ or % $ or % $ or % $ or % Investment Liabilities

Loan amount outstanding $ $ $ $

Lender

Loan Type P&I Interest only P&I Interest only P&I Interest only P&I Interest only

Interest rate % % % %

Payment $ $ $ $

Frequency

Net Asset Value $ $ $ $

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Superannuation assets and contributions

Fund Name

Owner: Client 1 / Client 2 Account number

Current Value $ $ $ $

Fund type Personal Default Personal Default Personal Default Personal Default

Asset allocation

Investment details

Defensive vs growth assets %

Defensive % Growth % Defensive % Growth % Defensive % Growth % Defensive % Growth Concessional contributions Superannuation Guarantee $ 9.25% $ 9.25% $ 9.25% $ 9.25% Salary Sacrifice $ $ $ $ Self Employed $ $ $ $ Non-concessional contributions Personal $ $ $ $ [Other ] $ $ $ $

ETP Components (if applicable)

Taxable: $ Taxable: $ Taxable: $ Taxable: $

Tax-free: $ Tax-free: $ Tax-free: $ Tax-free: $

Binding nominations Available? Yes Available? Yes Available? Yes Available? Yes In place? Yes In place? Yes In place? Yes In place? Yes Who are the beneficiaries?

Fees

Annual admin fees (sxcl trail) $ or % $ or % $ or % $ or %

Trail commission % % or % or %

Adviser review fees $ or % $ or % $ or % $ or %

Trustee/member fee $ or % $ or % $ or % $ or %

Contribution fee $ or % $ or % $ or % $ or %

Exit fee $ or % $ or % $ or % $ or %

Provisions for tax on exit $ Type: $ Type: $ Type: $ Type:

Insurance Yes No Yes No Yes No Yes No

Note: Details on insurance held under superannuation can be recorded in the financial protection section of this document.

Total Superannuation Assets

Client 1:

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Retirement income

fund

Please record details of all annuities or account based pensions, even if they have a residual capital value of $0.

Pension name Account number/ _{details attached} Owner Value

$

Total $

Net Wealth

Total assets – total liabilities = your net wealth $

Please provide details of the following:

Where an income deficit is identified, how is this currently funded? mortgage /line of credit credit card

other [ ]

Does your employer authorise any of the following items to be packaged in your salary? vehicle computer organiser

other [ ]

Are you eligible to exercise super choice? Yes No

Does your employer allow you to salary sacrifice? Yes No

Do you have an outstanding tax liability or HECS debt?

Do you expect your income to substantially change during the next? 1 year decrease increase to $

5 years decrease increase to $

Do you expect your expenses to substantially change during the next? 1 year decrease increase to $

5 years decrease increase to $

Are you expecting any capital gains from the sale of investments this year or in the near future?

Do you have any unused capital losses carried forward from the previous sale of an investment(s)?

Have you made withdrawals from your superannuation in the past? Have you given any personal guarantees on family or friend’s debt?

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Current Insurances

Please select this if you have provided statements from your insurance provider/s. If you require more space, please attach a blank page.

Current

Personal

Insurance

Details Policy 1 Policy 2 Policy 3 Policy 4

Company Type Life TPD IP Trauma Life TPD IP Trauma Life TPD IP Trauma Life TPD IP Trauma Policy Number

Product type Deluxe / standard Deluxe / standard Deluxe / standard Deluxe / standard

Policy Owner & Entity

Super ……….. Super ……….. Super ……….. Super ………..

Insured

Sum Insured $ $ $ $

Waiting period (IP) Days Days Days Days

Benefit period (IP) Years Years Years Years

Benefit indexation Yes / No Yes / No Yes / No Yes / No

Underwriting required Yes / No Yes / No Yes / No Yes / No

Cover available until age

Multiple policy discount Yes / No Yes / No Yes / No Yes / No

TPD occupation

definition Any / Own Any / Own Any / Own Any / Own

Exclusions / Loading

Option(s)

i.e. increasing claims Guaranteed renewable IP guaranteed/ indemnity cover, other

Premium structure Stepped / Level Stepped / Level Stepped / Level Stepped / Level

Multiple policy discount Yes _____% / No Yes _____% / No Yes _____% / No Yes _____% / No

Premium p.a. and premium-break up

Death: $ Death: $ Death: $ Death: $

TPD: $ TPD: $ TPD: $ TPD: $

Trauma: $ Trauma: $ Trauma: $ Trauma: $

IP: $ IP: $ IP: $ IP: $

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Details Policy 1 Policy 2 Policy 3 Policy 4 Company Type Life TPD IP Trauma Life TPD IP Trauma Life TPD IP Trauma Life TPD IP Trauma Policy Number

Policy Owner & Entity

Super ……….. Super ……….. Super ……….. Super ………..

Insured

Sum Insured $ $ $ $

Exclusions / Loading

Option(s)

Premium p.a. and premium-break up

Death: $ Death: $ Death: $ Death: $

TPD: $ TPD: $ TPD: $ TPD: $

Trauma: $ Trauma: $ Trauma: $ Trauma: $

IP: $ IP: $ IP: $ IP: $

Total: $ Total: $ Total: $ Total: $

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Estate Planning

Do you have a Will? Yes No Yes No

When was it last reviewed? m m / y y y y m m / y y y y

Is the executor to your Will current Have your circumstances changed since it was last reviewed?

Please provide details below.

Have you been married before?

Please provide details below. Yes No Yes No

Do you have a Power of Attorney General Enduring General Enduring

Medical Medical

Who are your attorneys under power?

Do you have provision in place for

a testamentary trust? Yes No Yes No

Do you have a funeral plan? Yes No Yes No

For superannuation only, do you have any binding nominations in place?

Yes No Yes No

If yes:

Who are they to?

When were last reviewed?

In order to provide appropriate advice, we need to consider various strategies. These strategies can be influenced by your intentions regarding the distribution of your assets after your death.

Do you have intentions regarding the distribution of your assets after your death?

Would you like to be referred for

advice on estate planning? Yes No Yes No

Referred to:

Notes

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What’s on your mind?

In your own words, please explain the reasons why you have sought advice.

For example:

“I would like to know the quickest way to pay off my debts.”

Common areas of advice: Debt reduction Wealth accumulation Retirement planning Superannuation Tax planning Insurance Estate planning

Self-managed super funds Home and property Budgeting and saving Social security Aged care

Kids’ education funding

Succession planning for business

Why have you sought financial advice?

Seeking advice

What life stage are you at? Starting up (starting career, first investment)

Growing richer (raising family, paying off debt accumulating wealth) Fine tuning (looking to retire in the next few years)

Enjoying life (retired on your own terms) What opportunities or ideas would you like to

explore and develop?

How do you feel about your current lifestyle: Unhappy Content Happy

Extremely satisfied What are your main goals, dreams,

aspirations and visions for you and your family?

What would achieving these mean for you and your family?

What are your main issues, challenges, frustrations keeping you awake at night?

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Please rate the following issues in terms of their value to you so that we can focus our recommendations on the things most important to you.

Planning Issues Value Comments

Low Medium High

Provide structure and keep you organised

Save you time

Simplify your financial affairs Clarify your goals and sharpen your focus

Gain a sense of progress and achievement

Relief you’ve taken action

Provide you with a sounding board for decision making

Working with a team of experts Working with an experienced planner with the highest qualifications Protecting your assets and lifestyle Managing and reducing your debts Maintaining consistency of your income Structuring assets tax effectively Organising your super

Providing for your children’s education Having active control of your

investments

Having a portfolio that is easy to understand and manage Leaving an inheritance for your family/others

Maximising Centrelink benefits Flexible advice fee payment methods Achieving a reliable retirement income Protecting your capital from poor market returns

Ensuring your income outlasts you in retirement

Ensuring your assets are passed on to the right people

Other – please specify

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Your cash flow, debt and investment goals

Cash buffer

How much money do you want to have

available in case of emergencies? $ $

Current savings and

capacity to save

Couples please provide a joint response

Do you save money on a regular basis? yes no yes no

Do you work to a budget? yes no yes no

How much do you save now? $ frequency $ frequency How much do you think you could comfortably

save if you worked to a budget? $ $

Where do you currently direct your surplus income?

mortgage bank account savings plan for kids super

holiday

other: . . .

Current debt

servicing

Do you know your current interest rate?

Are you comfortable with your current level of debt?

At what age do you want to be debt free?

Based on your current repayments when do you expect to payout your home loan?

When would you like it paid off by?

Do you have an accelerated debt reduction strategy in place?

How long will you stay in your current home?

Once your home loan is paid in full, will you commence paying down other (investment) debt or start investing for retirement?

Focus on other debt Focus on retirement savings

Are your lifestyle debts: Increasing _{Staying the same} Decreasing Is the balance of your credit card(s) cleared

on a monthly basis?

Would you be more inclined to borrow or save

to fund your goals? Borrow Save Have you borrowed money in the past to

invest and build your wealth? Are you comfortable with the idea of

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Please list your short and long term goals here. Try to be specific as to the purpose, timeframe and amount of funds required. Also list assets that you would like to sell including the timeframe and amount you are likely to receive.

Shorter term goals

Generally less than five years

Try to be specific as to the purpose and timeframe of funds required.

Also list assets that you would like to sell including the timeframe and amount you are likely to receive.

Description Likely date Amount required

$ $ $ $ $

Longer term goals

Generally greater than five years

Try to be specific as to the purpose and timeframe of funds required.

Also list assets that you would like to sell including the timeframe and amount you are likely to receive.

Description Likely date Amount required

$ $ $ $ $

Strategies to

implement now

Now that we have set specific and measurable goals, we will outline how these will be addressed and the strategies we agreed to. Debt Management 1. Chunked 2. Accelerated 3. Consolidated

Goals to be

addressed in the

future

There are some goals that will not be addressed at this time. These are still important and we agree these will be addressed at future reviews.

Goal Reason for not

addressing now

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Retirement lifestyle

Please note: if you are not sure how much income you need, we will we have a retirement budget planner to help you determine how much you will need.

At what age do you want to retire? _age _age

For Couples: Do you plan to retire at the same time?

What income do you think you will need to

live your desired lifestyle? $ $

Is this Joint – what % are you

contributing? % %

If you couldn’t retire at your target age with your desired level of income would you be willing to accept a lower level of income?

$ $

Would you be willing to retire at a later age if it meant increasing the probability of having your desired level of income?

age age

Would you be prepared to access the equity in your home to fund your retirement? (Reverse Mortgage)

Yes No Yes No

Would you consider downsizing your family

home at retirement? Yes No Yes No

Would you feel comfortable with increasing your risk profile in accumulation stage to help reach your retirement goal?

Yes No Yes No

Retirement – other

considerations /

alternatives

What options would you consider should you not be able to meet your retirement income goal

Would you sell your business assets and use funds to provide a retirement income? Would you consider relying on Centrelink Age Pension to supplement income from

investments?

Partner to provide shortfall?

Retirement savings

Which assets other than your superannuation are you planning to use to fund your retirement?

Assets Expected value at retirement

Will the asset be sold or retained to generate income? Expected

income Sale value $ $ $ $ $ $ $

Expected

inheritance

Are you expecting to receive an inheritance that can form part of your retirement plan?

Who? Expected value Expected date

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Strategies to

implement now

Now that we have set specific and measurable goals, we will outline how these will be addressed and the strategies we agreed to.

Goals to be

addressed in the

future

addressing now

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Your insurance goals

If you would like to learn more about how insurance can help you protect your wellbeing, please ask us for a copy of our insurance fact sheet. The online insurance needs calculator has been completed. The results are attached to this fact find.

Concerns

If protection is required, you must explain why it is required.

To protect income against sickness or accident? Yes Yes

Why?

To protect your family or assets in the event of death? Yes Yes

Why?

To protect against a critical illness or trauma? Yes Yes

Why?

To protect your family or assets in the event of

receiving a total and permanent disability or illness? Yes Yes

Death and TPD

Needs Client 1 Client 2

Repay debts In full

In part (please state)

$ $

Replacement income (pa) $ $

Earnings rate % %

Term required yrs yrs

Carer allowance / nanny $ $

Final expenses (death only) $ $

Allowance for medical costs (TPD

only) $ $ [other] $ $ Total Needs $ $ Less offsets Existing insurance $ $ Assets to be sold $ $

Superannuation death benefits $ $

[other] $ $

Adviser Recommended

Yes Yes

Life cover required $ $

TPD cover required $

As above

$

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OR

Death and TPD

If you waived the option to obtain an insurance needs analysis, the amount requested may not be appropriate to meet your needs.

Client requested cover

$ Life $ Life

$ TPD $ TPD

How was this amount determined by the client?

Trauma

Needs Client 1 Client 2

Repay debts In full

In part (please state)

$ $

Replacement income (pa) $ $

Earnings rate % %

Term required yrs yrs

Allowance for medical costs $ $

[other] $ $ Total Needs $ $ Less offsets Existing insurance $ $ Assets to be sold $ $ [other] $ $

Adviser Recommended

Yes Yes

Total cover required $ $

OR

Trauma

If you waived the option to obtain an insurance needs analysis, the amount requested may not be appropriate to meet your needs.

Client requested cover $ Trauma $ Trauma

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Income protection

Option 1 Client 1 Client 2 Maximum cover available

75% monthly income 75% annual income $ $ Option 2 Cost of living $ $ Other expenses $ $

Adviser Recommended

Monthly cover required

Yes $

Waiting period

Accrued sick leave days days

Long service / annual leave days days

Recommended waiting period and reason

Benefit period

Expected Retirement Date Age Age

Maximum available based on

occupation Age Age

Recommended benefit period and reason

OR

Income

protection

If you waived the option to obtain a insurance needs analysis, the amount requested may not be appropriate to meet your needs.

Client requested cover $ I.P. $ I.P.

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Insurance policy

features

Please indicate which policy features are important to you

Are there any definitions or benefits that you would value in an insurance policy?

Would you be prepared to pay a higher fee in order to have access to these definitions or benefits?

Strategies to

implement now

Goals to be

addressed in the

future

addressing now

Risks of not addressing now

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Other goals you would like to achieve

Goals

In the preceding sections we addressed your investment and insurance goals.

In this section we make sure that we convert the other things that you would like to achieve into specific and measurable goals.

Goal Timeframe Priority

Strategies to

implement now

Goals to be

addressed in the

future

Goal _{addressing now}Reason for not _{addressing now}Risks of not

Advice areas that

are not in scope

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Determining your investment strategy

Earlier we talked about what you would like to achieve from our discussion – your goals. With these in mind, we need to work out how to invest your money to give you the best chance of meeting your goals. To do this we take into account:

•

your timeframe for investing based on your goals; and

•

your attitude to investment risk.

The first step is to group your goals according to your desired timeframe for achieving them. We then discuss the types of investments, including your existing investments that may be suitable to achieve your goals. It is important you are aware of investment risks and how they apply to the investment strategy we recommend for you. Finally we will look at strategies that can be used to reduce the risks of investing such as diversifying the assets in your portfolio and the options available to protect your capital.

Shorter term goals Longer term goals

Timeframe 0-5 years 5+ years

Typical goals Emergency savings

Holiday New car

Home deposit/minor renovations Wedding costs

Retirement plans – superannuation Creating or building non super savings

Investment property/holiday home Major home renovations

Business venture Suggested assets Emphasis on income earning investments that

generally provides a reliable and stable income but with little or no capital growth returns.

•

Cash: pays interest in return for money deposited e.g.

bank savings, cash management accounts.

•

Fixed interest: you effectively “lend” money to a

company or institution and receive income or interest repayments in return e.g. government bonds, mortgage funds.

•

A smaller weighting, if any, of property and shares

Emphasis on capital growth investments that are generally considered risky because their value can fluctuate regularly.

•

Property: is purchased directly through a real estate

agent or indirectly through listed property funds. The investment return includes capital growth and rental income.

•

Shares: represent a part ownership in an Australian

or overseas company. The investment return includes capital growth and company profit distributions (dividends).

•

A smaller weighting, if any, of cash and fixed interest The value is expected to be relatively stable over the

short term. With cash investments your money is there if or when you need it.

Some fixed interest investments carry a lot of risk. You should only invest with companies or products that have received a high credit rating.

The value is expected to move in value, both up and down, over the short term, but is likely to achieve stronger returns over the long term.

Due to these fluctuations in value there is a risk that your money won’t be worth as much when you need it.

Risk It is important to separate risk from volatilty because they are quite different. When we talk about risk, we mean the chance you will lose money permanently or not achieve your financial goals. Volatility means the value of the

investment changes more sharply and more frequently.

The key is to not put yourself in a position where you sell your investments at the wrong time (when their value is low). You will generally lose money when you don’t let your investments run their course or when you can no

longer tolerate the degree of volatility and sell your investment in a panic. It is important to have less volatile investment

returns when you only have a short timeframe to invest.

Hold volatile investments over the longer term to increase the chance of achieving higher returns on your money.

Choosing the right asset group to meet

your needs

An important point to understand when choosing the right investments for your needs is that no single asset group is likely to meet all of your needs.

Investing all of your money into a single asset group can be a risky strategy as returns tend to occur in cycles. Consider the following table which shows annual returns from each of the main investment types over the last 20 years. It shows:

•

Investment returns vary from year to year

•

High investment returns can be followed with low, or negative, returns

•

Low, or negative, investment returns can be followed with high returns

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Returns for the 20 years to December 2013

Important Information The returns do not include allowances for fees or taxation

Source: Datastream

Best performing asset group Worst performing asset group

It is not possible to predict the timing of negative returns; or in which asset group they will occur. The timing of negative returns can have a devastating effect on your ability to meet your goals. Especially if they occur when you need to draw on your savings. For example, if you require $500,000 to achieve your retirement goals, and in the year of your retirement, your superannuation fund falls in value from $470,000 to $376,000, a fall of 20%, this will have a significant impact on your retirement goals.

Choose a blend of asset to minimise risk

We recommend you blend or diversify your money across a range of asset groups to reduce the volatility of your investment. By holding assets that perform differently to each other, losses made on some investments can be

offset in part by gains on others. Investment strategy

options

The investment strategy selected for your short and long term goals must take into account the return required from your investment to fund your goals. We use six different investment strategies, which blend income earning investments and growth assets, to determine an asset allocation that could potentially deliver the required return.

The longer the timeframe for investing, the greater recommended exposure to growth assets. Suitable for short term goals Suitable for long term goals

Changing from long-term to short-long-term

Over time your short-term goals will be achieved and the timeframe for achieving your long-term goals will shorten. At your review, we will assess whether your long-term goals are now short-term goals and re-assess your attitude to investment risk and whether your investments remain appropriate.

Protecting your capital To achieve your short and long term goals, you may need to adopt an investment strategy with higher levels of volatility than you are comfortable with. But it would not be appropriate if it causes you to worry so much that you

cannot sleep at night. This may result in a panic sale of assets at exactly the wrong time. You could consider:

•

Investing in a lower risk investment strategy. This will reduce the levels of volatility and risk in your portfolio however; it may not be possible to achieve the returns you need to meet all of your goals.

•

Investing in a product with some type of capital or income guarantee. This will provide your future with more certainty however; you need to weigh up the costs of these products with the benefits they provide.

Capital guarantees may apply to your savings in a bank account or term deposit, or you can purchase a guarantee through a structured protected product.

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Capital guaranteed and protected investments

Types of

guaranteed investments

The guaranteed benefits offered by ‘guaranteed’, ‘secure’, ‘protected’ or ‘safe’ investments is only a strong as the financial security of the company offering the product.

Savings Accounts and Term Deposits

•

Savings Accounts: Bank accounts provide you with a safe place to keep your money. Banks are heavily regulated and

standards are in place to ensure your deposits are as safe as possible and your capital is there when you need it.

•

Term Deposits: Just like a savings account, term deposits also offer you a safe place to keep your money. In addition, the

bank also offers you interest, paid during the term of the deposit.

•

Federal Government Guarantee: The Federal Government is currently offering a guarantee on deposits up to $250,000,

through the Financial Claims Scheme (FCS). There are a wide range of deposit accounts covered by the FCS including savings and term deposits, cash management accounts, farm management deposits and mortgage offset accounts. Please refer to www.apra.gov.au for a full list of approved deposit-taking institutions.

Things to consider

Low returns:

Although the value of your savings is safe, the long term returns are often lower than from other investments. Time value of money (inflation):

Over time, the real value of your money decreases. This is called inflation. If you rely on the interest earned from your investment, over time the value of your investment and the interest you receive will not have the same purchasing power and may be insufficient to meet your income needs.

Access to funds/automatic rollovers:

Term deposits require you to invest for a minimum investment period and the provider may charge you a fee to access your funds early. You also need to watch out for automatic rollovers when the term expires. You may not want to tie up your funds for another term, or the new interest rate may be lower than the original rate. Protected products

The guarantee provided by these products is not the same as putting money in a bank account.

•

Some products allow you to have exposure to growth assets on the investment market with the option of purchasing a guarantee against losing your capital or running out of income during retirement.

•

Generally, protected products offer you the ability to enjoy investment returns in good economic times while protecting you from losing your money if investment markets fall in value.

Things to consider

Cost:

Just like you pay insurance premiums, there are costs associated with purchasing the security that protected products offer. Protected products do not necessarily mean you will receive a higher return than standard investment products, especially

over the medium to longer term.

You need to consider why a protected benefit is important to you and weigh up the cost against the benefits that the product offers.

Early access to funds:

Most capital guaranteed or protected products require you to invest for a minimum investment period and fees can apply if you need to access your funds earlier than intended.

The guarantee might not apply unless you hold the investment for the full term. If you access your funds early, or you die before the end of the term, you might get back less than you originally invested.

Understand what you are purchasing:

Capital guaranteed or protected products are complex investment products. No two products are alike.

The guarantee or protection option can be achieved by structuring the product in a variety of ways – ensure you take the time to understand the features of the product and any terms and conditions that apply.

What are your main concerns regarding investing your money?

Q 1. Have you been comfortable in the past with a reduction in your investment capital due to poor market returns? YES / NO Q 2. Are you comfortable with the potential for future loss/reduction in your investment capital due to poor market returns?

Yes Go to Q 3.

No i. What alternative investment strategy would you consider to avoid these losses?

ii. Would you prefer to remain fully invested in growth assets of your choice regardless of market conditions? YES / NO Q 3. Would you be prepared to pay a fee to protect your initial capital and future growth from investment market volatility? YES / NO

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0% growth assets (cash / term deposit) Estimated Funds $ Asset Allocation

100%

Volatility Very low Cash (cash) Australian fixed interest (term deposit) 100% International fixed interest 0% Property 0% Australian shares 0% International shares 0% Returns

Expected return on investment %

30% growth assets Estimated Funds $

Asset Allocation Volatility Low

Cash 20% Australian fixed interest 30% International fixed interest 20% Property 8% Australian shares 14% International shares 8% Returns

1_{Projected return per annum (historical)}

5.5% 2

Extreme return range -6% to 17%

3_{Normal return range} _{2% to 9%}

Probability of a positive return (over 1 year) 93% Minimum suggested investment timeframe 2 years Investment objective over investment timeframe CPI + 1% Probability of meeting investment objective 78%

1

Based on after wholesale fee returns and 1% active outperformance in shares. Before tax and administration costs. Based on historical returns.

2

99% of results are expected to fall in this range . 3

2/3 of annual results are expected to fall in this range.

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50% growth assets Estimated Funds $ Asset Allocation Volatility Medium

1_{Projected return per annum (historical)}

6.4%

2_{Extreme return range} _{-11% to 23%}

3

Normal return range 1% to 12%

Asset Allocation Volatility Medium/High

1_{Projected return per annum (historical)} _7.3% 2

3

Normal return range -1% to 15%

1

2

99% of results are expected to fall in this range

3

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85% growth assets Estimated Funds $ Asset Allocation Volatility High

1_{Projected return per annum}

7.9%

2_{Extreme return range} _{-20% to 36%}

3

Normal return range -1% to 17%

Asset Allocation Volatility Very high

Cash 1% Australian fixed interest 0% Fixed interest 0% Property 5% Australian shares 45% International shares 49% Returns

1_{Projected return per annum}

8.6% 2

3_{Normal return range} _{-2% to 19%}

Probability of a positive return (over 1 year) 78% Minimum recommended investment timeframe 9 years Investment objective over investment timeframe CPI + 5% Probability of meeting investment objective 62%

1

2

99% of results are expected to fall in this range.

3

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Adviser to complete

Client Partner Joint

Shorter term goals Funds available $ $ $ Agreed Investment Strategy Capital protection option required ($ portion)

Yes $ Yes $ Yes $

Reason for selection

Longer term goals Funds available $ $ $ Agreed Investment Strategy Capital protection option required ($ portion)

Yes $ Yes $ Yes $

Reason for selection

Client Sign Off

You should not proceed with any advice unless you understand:

•

all investments carry risk and the different asset groups carry different levels of risk,

•

cash and fixed interest are generally safer and more suitable for short term goals, however in the long term, returns may not be as high as growth assets and there is a risk your capital will not grow in pace with inflation,

•

property and shares offer a greater opportunity for capital growth and over the long term, the total return can exceed the negative effects of inflation,

•

increasing your investment exposure to capital growth assets, property and shares, increases the risk of experiencing negative returns in the short term,

•

a longer term perspective must be taken when investing in property and shares due to the inevitable ups and downs of these markets,

•

the timing of negative returns is unknown and may occur when you need access to your money thereby affecting the ability to meet your goals,

•

if you need access to your investments in a hurry and they are investment in property and shares, you may be forced to sell at a loss. If you want to understand more about the risks of investing please read “Investing Between The Flags – A Practical Guide To Investing” created by ASIC before you proceed with our advice. It is available from http://www.moneysmart.gov.au or we can provide a copy on request. Capital guarantees

Before you invest in capital guarantee investments make sure you understand how the investment and capital protection is structured. Based on your understanding of investment risk, are you comfortable to accept the agreed investment strategy for your short and long term goals?

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Your acknowledgement

Before we proceed with the preparation of your financial plan, please take a moment to read the following information:

Duty of care

Your information recorded in this fact find will be used to prepare your financial plan. Discussions held during this fact finding meeting do not constitute personal advice and should not be implemented before receiving the financial plan we will prepare for you.

I/we understand that I have not yet been provided with personal advice, and agree not to implement any strategies that have been discussed until they have been outlined in an advice document.

•

It is important you provide me with detailed and accurate information so I can provide you with appropriate recommendations. Charter Financial Planning will not accept liability for recommendations based on inaccurate or incomplete information you supply.

•

The following sections of this fact find have been completed: ‘your investment goals’

‘determining your investment strategy’ ‘your insurance goals’

Protecting your privacy

•

The information that you provide will be kept on file at our business. You are entitled to request reasonable access to this information.

•

We will not pass your information to other parties for any purposes other than those for which you have been informed.

•

Your information is only disclosed to other parties as is necessary for us to provide our services to you and/or where we are required to by the law. This may include fund managers, insurance companies, other Licensees and related entities. Your information may be disclosed to service providers and specialist advisers who have been contracted to provide us with administrative, financial, insurance, research or other services.

•

Your privacy is important to us. Please refer to the Charter Financial Planning Privacy Statement, which is available on request, for more

information about the collection and use of your personal information.

The information provided in this fact find is a true and accurate record of my current personal and financial position. I/we am/are not aware of any other information that you would need to be aware of before providing financial advice. I/we give permission for the information supplied in this fact find to be used for the preparation of my/our financial plan. I/we give permission for the information supplied in this fact find to be provided to relevant third parties.

Other information

Financial Services Guide

I have received or have been provided with access to a Financial Services Guide version ______________________________

Account and reference numbers

I/We authorise Sydney Financial Planning to retain and store my/our account numbers and/or Centrelink number for the purpose of providing me with initial and ongoing financial planning advice,

Tax File Number (“TFN”)

The Income Tax Assessment Act 1936 (Cth), Taxation Administration Act 1953 (Cth) and the TFN Guidelines 2011 issued under the Privacy Act 1988 (Cth) strictly regulates the collection, use, disclosure, storage, security and destruction of TFNs.

Your TFN will be used for lawful purposes only and how it can be used may change in the future as a result of legislative changes.Your TFN is confidential and you should be aware of the following before you decide to provide it:

•

As your financial planner, we and Charter Financial Planning Limited (“Charter Financial Planning ”) are permitted to handle your TFN when acting on your behalf in connection with your investments. This includes the use of your TFN for reviewing and managing your current and future applications and other business dealings, as well as for officers of Charter Financial Planning to have access to your TFN in conducting normal activities associated with your financial planner’s appointment as an Authorised Representative of Charter Financial Planning .

•

You may choose not to quote your TFN, or claim an exemption; however a higher rate of tax may then be applied to your investment returns. The consequences of not quoting your TFN may change in the future as a result of legislative changes. It is not an offence to not quote your TFN.

•

We and Charter Financial Planning are required by law to properly safeguard your TFN until we no longer require the information. Your TFN will

be securely destroyed or permanently de-identified after we and/or Charter Financial Planning no longer require it.

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•

We may disclose your TFN, or other relevant information, to the Australian Taxation Office to search for your lost superannuation on the Lost Members Register (“LMR”) and receive the results of any search of LMR records, providing other relevant information in order to perform searches on the LMR records and receiving the results of any search of LMR records.

•

For more information about the use of TFNs, please phone your nearest Tax office.

•

TFN information, use and storage may change in the future as a result of legislative changes. I/We authorise Sydney Financial Planning to:

Retain, store and quote my tax file number information to the Australian Tax Office when necessary and to investment bodies when making investments on my behalf. I authorise the application of my TFN to all investments in my name,

I authorise the application of my TFN only to the investments identified below in my name:

____________________________________________________________________________________________________________________ I authorise the application of my TFN for the purpose of performing searches on the LMR records and for any other related purposes outlined

in this form.

Electronic communication (Optional)

I/We would like to receive communication by the following methods: Email

Fax Telephone Tablet device

If you have agreed to use email authorisation, you understand that:

•

You will need to notify is immediately if your nominated email address changes.

•

We do not take any responsibility for the security or confidentiality of email communications sent to or through your nominated emails, nor for any delays in transmission due to network or other transmission errors. We cannot guarantee that emails will be free from viruses.

•

You should ensure your nominated email account is secure and can only be accessed by you.

•

We may not be able to act on your instructions or provide advice to you while you are overseas.

In agreeing to receive documents, provide instructions and give consent by email and other electronic means, you need to be aware that:

•

We may refuse to act on any instructions, and will inform you of any such refusal.

•

We will endeavour to implement your instructions and to arrange your transactions as soon as we receive them. The length of time will depend on the complexity and nature of the transaction requested.

•

The authorities you provide to us in this document apply to any capacity in which you act. For example, if you are a director of a company or trustee of a trust, you provide these authorisations both in your personal capacity and in your capacity as a director or trustee.

Authorisation

•

I/We authorise you to act on instructions from my/our nominated email account, electronic signature or the ‘authority to proceed’ icon on tablet devices, and understand that this would be considered to be a valid part of our formal agreement.

•

My nominated email address is _________________________________________________________________________________________

•

I/We are will to accept documents being sent to my/our nominated email address, including the financial services guide, credit guides, advice documents and product disclosure statements.

SMSF trustee responsibilities (only complete if an SMSF is to be recommended or considered)

I/We have been given or directed to the website to find the relevant SMSF publications from the ATO (found on www.moneysmart.gov.au). I/We have discussed and understand the responsibilities of being a trustee of a self-managed super fund as outlined in the attached

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Initial Advice Agreement

Please review this agreement carefully as it confirms the scope of advice, cost and payment method as agreed between:

and

you,

If you have any questions about the content of this Agreement, please ask us before you sign.

The specific goals that we developed and the strategies that we agreed to

As agreed, we will create a financial plan that addresses the goals and strategies detailed in:

• What’s on your mind? • Your investment goals • Your insurance goals

• Other goals that you would like to achieve

Initial Advice Fee

The initial advice fee and payment method has been agreed to as follows:

Charging method Preferred payment method Services provided (adviser to complete) Advice Fee

flat fee Eftpos Bpay

Direct debit (bank account) Direct debt (credit card)

Cheque Investment deduction

Research strategy $

hourly rate

Total hours [ ] Prepare your financial plan $

flat fee Eftpos Bpay

Direct debit (bank account) Direct debt (credit card)

Cheque Investment deduction

Implementation of the advice $ hourly rate

Total hours [ ]

A fee for the implementation of the advice will apply and will be disclosed in your Statement of Advice. The initial advice fees will be waived upon successful implementation of your insurance policies

Total Initial Advice Fee Payable $

$ $

Client 1 Client 2

Terms of the agreement

Changes to your circumstances

•

Please tell us if there are any changes to your circumstances as soon as practicable. Significant changes in your circumstances may affect our advice. We reserve the right to terminate this agreement and reassess the cost of providing advice. Any additional costs will be agreed upon before we proceed with preparing your revised recommendations.

If you do not implement our advice

•

You will be liable for any costs to research and/or prepare Your Financial Plan as detailed above. All implementation costs will be waived. If you have agreed to pay for your initial advice via an investment deduction, an invoice will be issued to you for any amount outstanding.

Your insurance

•

If your application for insurance is accepted by the insurance company, we will receive upfront and ongoing payments known as commission. The insurance company requires that in order for us to receive this commission the policy must be in force for a minimum of 12 months.

Adviser Name: of Sydney Financial Planning

Client Full Name:

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Therefore, if you cease to pay premiums on any policies arranged by us within 12 months we will be required to pay the commission (including any amounts that represent our advice fee) back to the insurance company. Accordingly, we reserve the right to recover:

the amount we have to refund to the insurance company from you, or the total initial advice fee as documented in this agreement.

In this case you will receive an invoice from us stipulating the amount due and any payment terms.

Client acknowledgement

I/We understand and agree that:

•

will provide services to me/us in line with this Agreement.

•

The cost of initial advice, including the payment method has been fully disclosed in this Agreement

•

If I/we do not implement the advice in our financial plan, all initial advice fees for the research and/or preparation of my financial plan will be due and payable immediately.

•

All fees in this Agreement are inclusive of GST.

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Who is your accountant?

Name

Business Name Ph

Have you been impressed with the

accounting advice you receive?

Who is your solicitor?

Name

Business Name Ph

Have you been impressed with the legal

advice you receive?

Who is your general insurance broker?

Name

Business Name Ph

How many staff/contractors do you have?

Have you been impressed with the general

insurance advice you receive?

Who is your mortgage broker?

Name

Business Name Ph

Have you been impressed with the

mortgage advice you receive?

Who is your conveyancer?

Name

Business Name Ph

Have you been impressed with the legal

advice you receive?

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Authorisation to collect information

Please accept this copy as authority, as the original will stay on file at the below address.

To Customer Service Manager

Provider name

Address

Client name Date of birth

Address Product details

To whom it may concern,

Access to information

I/We authorise you to provide all representatives of with any information

and documentation they require regarding my/our insurance, superannuation and investments.

I am/We are aware of the provisions of the Privacy Act and release you from those provisions in respect of information provided to and it’s representatives.

Transfer servicing rights

I/We authorise the servicing rights of my/our financial products be transferred to I understand that the existing adviser will no longer:

•

be remunerated for this policy/contract(s) following this decision

•

have access to my policy/contract information, and

•

will no longer be responsible for reviewing my ongoing needs. I understand that the appointed adviser and their Licensee will:

•

will have access to my policy/contract information

•

will be responsible for providing me with ongoing advice relating to this policy/contract(s), and

•

will receive any remuneration currently being paid for this policy following the transfer.

Client Name:

Partner Name: / / Adviser Name _{_____________________________________} Sydney Financial Planning

Authorised Representative of Charter FP AFSL 234665

Adviser code

Business Sydney Financial Planning ABN: 60 898 090 975 Contact details phone 02 9328 0876 fax 02 9326 1438 email_________________@sydneyfinancialplanning.com.au Address Suite 13, 201 New South Head Road

EDGECLIFF NSW 2027

Sydney Financial Planning including Michelle Miller

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Authorisation to collect information

Please accept this copy as authority, as the original will stay on file at the below address.

To Customer Service Manager

Provider name

Address

Client name Date of birth

Address Product details

To whom it may concern,

Access to information

I/We authorise you to provide all representatives of with any information

and documentation they require regarding my/our insurance, superannuation and investments.

I am/We are aware of the provisions of the Privacy Act and release you from those provisions in respect of information provided to and it’s representatives.

Transfer servicing rights

I/We authorise the servicing rights of my/our financial products be transferred to I understand that the existing adviser will no longer:

•

be remunerated for this policy/contract(s) following this decision

•

have access to my policy/contract information, and

•

will no longer be responsible for reviewing my ongoing needs. I understand that the appointed adviser and their Licensee will:

•

will have access to my policy/contract information

•

will be responsible for providing me with ongoing advice relating to this policy/contract(s), and

•

will receive any remuneration currently being paid for this policy following the transfer.

Client Name:

/ /

Adviser

Name _{_____________________________________} Sydney Financial Planning

Authorised Representative of Charter FP AFSL 234665

Adviser code

Business Sydney Financial Planning ABN: 60 898 090 975 Contact details Phone: 02 9328 0876 Fax: 02 9326 1438 email:_________________@sydneyfinancialplanning.com.au Address Suite 13, 201 New South Head Road

EDGECLIFF NSW 2027

Sydney Financial Planning including Michelle Miller

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