Top Banner

of 34

Final Mick

Apr 09, 2018

ReportDownload

Documents

  • 8/8/2019 Final Mick

    1/34

    Statement of Advice prepared for Ms Genevieve Mary Roberson

    ABN 41 005 845 778Australian Financial Services

    Licence No. 247413

    22/12/2010

    Ms Genevieve Mary Roberson15 Lantana CourtCARNEGIE VIC 3214

    Dear Ms Roberson,

    Thank you for the opportunity to discuss your financial situation. As a result of ourdiscussions, please see the attached Statement of Advice (SoA) which you should readcarefully. In the preparation of this SoA, I have taken into account the information you

    provided to me, together with your individual financial objectives, goals and attitudetowards risk.

    The primary intent of this SoA is to provide you with an investment strategy that meetswith your financial objectives and goals. In its design, a number of investment optionswere considered before finalising my recommendations. As the financial planning processcan include several steps, the enclosed SoA should be considered as a starting point toinvesting and a basis for future discussion.

    As an authorised representative, I am unable to provide taxation and legal advice. I have,however, included factual information and guidance on future illustrations. I recommendthat you seek professional taxation and legal advice prior to making any investment orlegal decisions.

    I look forward to providing you with any further assistance and advice in relation tofinancial planning. If you have any queries, please do not hesitate to contact me.

    Yours sincerely,

    Sample AdviserFinancial AdviserAuthorised Representative No. 26234 XXXXX of Mortgage & General Financial Services Pty Ltd

    Page 1 of 34

  • 8/8/2019 Final Mick

    2/34

    Statement of Advice prepared for Ms Genevieve Mary Roberson

    Statement of Advice

    for

    Ms Genevieve Mary Roberson

    22/12/2010

    Prepared by

    Sample Adviser

    Financial Adviser

    Authorised Representative number XXXXXX of

    Mortgage & General Financial Services Pty Ltd

    ABN 4100 584 5778

    Australian Financial Services Number 247413

    APF:Adviser Business Address

    Ph APF:Adviser Business Phone Fax APF:Adviser Fax

    This is an important document. You should read it carefully and make sure youunderstand it. If there is anything that you disagree with or do not understand, pleasecontact your financial adviser.

    Page 2 of 34

  • 8/8/2019 Final Mick

    3/34

    Statement of Advice prepared for Ms Genevieve Mary Roberson

    Table Of Contents

    IMPORTANT INFORMATION ........................................................................................................................ ... 4

    EXECUTIVE SUMMARY ..................................................................................................................................... 5

    G OALS AND O BJECTIVES ...............................................................................................................................................5STRATEGY AND R ECOMMENDATIONS ...............................................................................................................................5D ISCLOSURE .................................................................................................................................................................6

    CURRENT POSITION ........................................................................................................................................... 6

    BACKGROUND ...............................................................................................................................................................6P ERSONAL SUMMARY ....................................................................................................................................................6DEPENDANTS ................................................................................................................................................................7ASSETS AND L IABILITIES ...............................................................................................................................................7INCOME AND E XPENSES .................................................................................................................................................8R ISK INSURANCE ..........................................................................................................................................................8YOUR O BJECTIVES .......................................................................................................................................................8ATTITUDE TO I NVESTING AND R ISK ..............................................................................................................................10YOUR R ISK P ROFILE ..................................................................................................................................................10

    RECOMMENDED STRATEGIES .................................................................................................................. ... 11

    SUMMARY OF R ECOMMENDATIONS ...............................................................................................................................11R ECOMMENDED STRATEGY ..........................................................................................................................................11D IVERSIFICATION O VER I NVESTMENT M ARKET SECTORS ..............................................................................................13R ISK /R ETURN T RADE -O FF .........................................................................................................................................13VOLATILITY ...............................................................................................................................................................13

    RECOMMENDED PRODUCTS ......................................................................................................................... 14

    P RODUCT R ECOMMENDATIONS .....................................................................................................................................14R ECOMMENDED ASSET ALLOCATION ............................................................................................................................17

    ILLUSTRATIONS ............................................................................................................................................... . 17

    ANNUAL C ASH F LOW .................................................................................................................................................18T AXABLE INCOME .......................................................................................................................................................19YEAR O NE T AXABLE INCOME BY C LIENT .....................................................................................................................20P ORTFOLIO VALUE .....................................................................................................................................................22

    DISCLOSURES ..................................................................................................................................................... 24

    INITIAL F EES AND BROKERAGE ....................................................................................................................................24O NGOING F EES AND BROKERAGE .................................................................................................................................26E XPLANATION OF MER AND GST..............................................................................................................................27

    Page 3 of 34

  • 8/8/2019 Final Mick

    4/34

    Statement of Advice prepared for Ms Genevieve Mary Roberson

    ONGOING ADVICE AND REVIEW SERVICE ......................................................................................... ..... 28

    ADVISORY SERVICES AND F REQUENCY ..........................................................................................................................28F EES AND C HARGES ....................................................................................................................................................28C LIENT ' S O BLIGATIONS AND R ESPONSIBILITIES .............................................................................................................28

    ACTION TO PROCEED ...................................................................................................................................... 28

    AUTHORITY TO PROCEED ............................................................................................................................. 29

    REFERENCE MATERIAL .............................................................................................................................. ... 31

    M ASTER F UNDS AND ASGARD.................................................................................................................................32

    Important Information

    This Statement of Advice (SoA) is an important document and you should read itcarefully. It is the written record of my advice to you and explains the basis on which thisadvice is given. It includes information about any limitations in the advice and outlinesincentives and benefits to be received by me or any associates as a result of providingthis advice to you.

    Supporting information, including a Product Disclosure Statements, has also beenprovided to help you make an informed decision about the strategy