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Fact Find - Private and Confidential

Fact Find
Client 1

Jon-Pierre John Smith

Client 2

Mary Smith

Adviser

Opex Advice

Date completed

16 Dec 2014

Private and confidential

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 1

Fact Find Private and Confidential

Personal information
Personal information

Client 1

Client 2

Title

Mr

Mrs

Given names

Jon-Pierre John

Mary

Surname

Smith

Smith

Preferred name

Jon-Pierre

Mary

Gender

Male

Female

Date of birth

12 Jun 1957

15 Dec 1960

Place of birth

Australian

American

Marital status

Married

Married

Date of marriage

25 Dec 2000

Resident status

Permanent Resident

Australian tax resident

Resident

Resident

Tax file number

Supplied

Not supplied

Contact details

Client 1

Client 2

Home address

555 Torrens Road


Eastside SA 5003

Business address

PO BOX 123
ADELAIDE SA 5000

Address for correspondence

222 Flower Ave


Paradise SA 5555

Home phone

08 8211 2233

Work phone

12234567

Contact information

Mobile
Fax

Email

jpsmith@bigpond.com.au
kelly@opexconsulting.com.au
bedwards@iress.com.au
0415 000 111

Other
Preferred method of contact

jpsmith@bigpond.com.au
12234567

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL
222333444

Page 2

Fact Find - Private and Confidential

Children / dependants
Name

Relationship

Date of birth

Living at home?

Peter

Son

04 Jun 1990 (24)

Yes

No

Daughter

12 Mar 1992 (22)

No

Yes
Support to: 25

Geraldine

Financially dependant?

Additional information
(eg. special needs, education funding requirements, youth allowance or any other government benefit)

This is the dependants box.

Employment
Employment

Client 1

Client 2

Occupation

Chemical Engineer

Teacher

Position

Technical Manager

Industry

Laundries and Dry-Cleaners

Employment status

Full-time

Hours worked per week

40.00

Employer name

GPS Services Pty Ltd

Start date with employer

01 Jan 1997

Years in current occupation

12.00

Any change planned?


If yes, provide details below

No

Salary packaging available?

Yes

Leave details
(annual, sick, LSL)

Annual Leave: 2 weeks


LSL Leave: 12 weeks
Sick Leave: 7 weeks

Unknown

Business structure
(if self employed, record details WAHQ
later in fact find)

Additional information
(eg. salary packaging details, any expected future changes in occupation, pending leave)

Employment additional details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 3

Fact Find - Private and Confidential

Health details
Client 1

Client 2

Health status

Good

Excellent

Health insurance?

Yes

No

Are their any health conditions


that may impact financial
decisions or investment
timeframes?

Health conditions

Nil

Family history
(eg health issues and
longevity of parents)

Family history

Nil

Description

Name/Company

Contact details

Lawyer

Margaret Johnston
Margaret Johnson Solicitors

444 Charles Road


Adelaide SA 5000
Home Phone Work Phone - (o8) 6666 6666

Name/Company

Contact details

Professional advisers

Referrer details
Description
Referred by

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 4

Fact Find - Private and Confidential

Income
Income

Owner

Amount

Ordinary Wages / Jon-Pierre's salary

Jon-Pierre

$100,000.00

Ordinary Wages / Test

Jon-Pierre

$120,000.00

Bonuses

Jon-Pierre

$10,000.00

Pension Income / OnePath OA


Allocated Pension

Jon-Pierre

$33,000.00

Total income (per annum)

$263,000.00

Expenses
Expense

Owner

Amount

Mortgage Payments

Jon-Pierre

$3,000.00

Gas

Jon-Pierre

$400.00

Home / Lumley Home Plus 221133

Jon-Pierre

$750.00

Health / Bupa Hospital Extras Plus


998877

Jon-Pierre

$2,750.00

Term / Elevate Trauma Plus, Income


Premier, Life Insurance, TPD 889977

Jon-Pierre

$20,710.05

Term / Flexible Insurance 998877

Jon-Pierre

$1,000.00

Term / OneCare Life Cover & TPD &


Trauma Premier Maximiser 7654455

Jon-Pierre

$2,400.00

Other Expenditure / Living expenses

Jon-Pierre

$37,500.00

Term / Term Life Plus 445566

Jon-Pierre & Mary (Joint)

$1,407.36

Total expenses (per annum)

$69,917.41

Other cashflow details


Client 1

Client 2

Able to save?

Yes

No

If Yes, how much?

$2,000.00 per month

Use of savings over the last year

Debt reduction

None

Any capital gains from sale of


investments this year?

$7,500.00

$0.00

Any unused capital losses carried


forward from sale of investments?

$0.00

$0.00

Additional information
(e.g. how expenses will change post retirement, any unusual expenses anticipated in the future)

Cashflow details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 5

Fact Find - Private and Confidential

Social Security benefits


Centrelink / DVA detail

Client 1

Client 2

Payment type

Age Pension

Reference No.

222333444

Centrelink assessed assets

250,000.00
Valuation date: 23 May 2013

Valuation date:

Centrelink assessed income

$2,350.00 per annum


Valuation date: 23 May 2013

$
Valuation date:

Are you renting?

No

Gifts in last 5 years

No

PBS registered?

Yes
(Date: 01 Jul 2008

CSHC registered?

Yes

Annual entitlement

$12,500.00

$0.00

Additional information
Gifted $5,000 to son Peter on 1 May 2010.

Aged Care
Aged care

Client 1

Client 2

- Daily care fee

- Income tested fee

Facility type
Date of entry
Fees

- Entry fee

Status of former home


Total annual fees

Additional information

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 6

Fact Find - Private and Confidential

Assets
Assets lifestyle

Owner

Amount

Life Style / Antiques Antique furniture

Jon-Pierre
Peter Adams

$75,000

Business Assets / Goodwill Jim's


Mowing

Jon-Pierre

Liquid Assets / Current Savings Bank


West Cash Saver

Mary
Costa Filippou

Real Estate / Primary Residence Home

Joint

$750,000

Life Style / Household Contents


Contents

Joint

$50,000

$100,000
$27,500

Total assets

$1,002,500

Assets - investment

Amount

Jon-Pierre
Default Account
Art Work

$100,000.00

Art Work 2

$10,000.00

CBACCA

$1,000.00

GDI Property Group

$860.00

S&P/ASX 200 A-REIT

$1,324.10
Subtotal

$113,184.10

Jon-Pierre's Wrap Account


BT Classic Investment Funds - BT Core Australian Share Fund

$120,480.05

Hunter Hall Australian Value Trust

$114,766.16
Subtotal

$235,246.21

Colonial First State FirstChoice Personal Super 8599


CFS FirstChoice Personal Super - Aberdeen Australian Fixed Income

$70,718.25

CFS FirstChoice Personal Super - Acadian Defensive Income

$67,822.71

CFS FirstChoice Personal Super - Acadian Global Equity

$78,019.91
Subtotal

$216,560.87

Findon Home
Adelaide Home

$400,000.00

Findon Home

$450,000.00
Subtotal

$850,000.00

Macquarie Wrap Pension Manager 6859


AMP Capital Australian Equity Opportunities Fund Class A

$139,884.77

Macquarie Global Infrastructure Trust II - A Class

$143,471.17

Macquarie Master Property Securities Fund

$168,751.28
Subtotal

$452,107.22

Jon-Pierre's Super Fund


Commonwealth Bank of Australia
ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

$137,274.48
Page 7

Fact Find - Private and Confidential


Assets - investment

Amount

Perpetual WealthFocus Super Plan - Perpetual Smaller Companies

$128,217.72

Perpetual's Cash Management Fund

$100,000.00

Platinum International Fund

$127,255.07

Telstra Corporation Limited

$132,000.00

Testing the name

$144,110.21

Wesfarmers Limited

$115,421.76
Subtotal

Total

$884,279.24
$2,751,377.64

Mary
Default Account
BHP Billiton Limited

$15,995.00

Telstra Corporation Limited

$3,300.00
Subtotal

Total

$19,295.00
$19,295.00

JPS Company
Default Account
OnePath OA PS - OptiMix Balanced EF/Sel

$1,816.30

Telstra Corporation Limited

$660.00

Woolworths Limited

$32,790.00
Subtotal

Total

$35,266.30
$35,266.30

Smith Family Super Fund


Default Account
Platinum International Fund

$150,993.02
Subtotal

Total

$150,993.02
$150,993.02

Costaki Superfund
Default Account
BHP Billiton Limited

$63,980.00

OnePath OA IP - OptiMix Australian Fixed Interest Trust NEF

$1,543.80

Telstra Corporation Limited

$6,600.00
Subtotal

Total
Total assets

$72,123.80
$72,123.80
$4,630,704.10

Additional information
Asset details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 8

Fact Find - Private and Confidential

Liabilities
Liabilities

Owner

Outstanding Balance

Loan Limit

Credit Card

Jon-Pierre
Fred Turk

$3,000

$5,000.00

Investment Property Mortgage

Mary
Mazza Turk

$23,750

Primary Residence Mortgage / ANZ


Bank / ANZ Bank

Joint

Total liabilities

$500,000
$526,750

Additional information
(eg. What are the clients attitudes to managing debt? When does the client want all debt to be paid off?

Liability details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 9

Fact Find - Private and Confidential

Superannuation fund details


Superannuation
Jon-Pierre
Fund name:
Type
Total fund balance as at 19 Feb 2013:
Policy number
Employer contributions (pa)
Salary Sacrifice contributions (pa)
Personal deductible contributions (pa)
Non-Deductible contributions (pa)
Tax-free component:
Taxable component (taxed):
Taxable component (untaxed):
Eligible start date:
Unrestricted non-preserved:
Death cover
TPD cover
Salary continuance

Beneficiary/Type

Access eWrap Super


Accumulation
$625,000
1122334455
$18,000.00
$0.00
$0.00
$0.00
$55,000
$450,000
$120,000
01 Jul 1997
$25,000
$150,000.00
$150,000.00
$150,000.00
Beneficiary name: Mary Smith
* binding: yes
* binding end date: Inception
* relationship to owner: Spouse
* percentage: 100%

Fund name:
Type
Total fund balance as at 12 Aug 2014:
Policy number
Employer contributions (pa)
Salary Sacrifice contributions (pa)
Personal deductible contributions (pa)
Non-Deductible contributions (pa)
Tax-free component:
Taxable component (taxed):
Taxable component (untaxed):
Eligible start date:
Unrestricted non-preserved:
Death cover
TPD cover
Salary continuance
Beneficiary/Type

Advance Retirement Savings Account


Accumulation
$200,000
666666
$0.00
$0.00
$0.00
$0.00
$0
$200,000
$0

Fund name:
Type
Total fund balance as at 14 Jan 2014:
Policy number
Employer contributions (pa)
Salary Sacrifice contributions (pa)
Personal deductible contributions (pa)

Colonial First State FirstChoice Personal Super


Accumulation
$200,000

$0
$0.00
$0.00
$0.00

$0.00
$0.00
$0.00

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 10

Fact Find - Private and Confidential


Superannuation
Non-Deductible contributions (pa)
Tax-free component:
Taxable component (taxed):
Taxable component (untaxed):
Eligible start date:
Unrestricted non-preserved:
Death cover
TPD cover
Salary continuance
Beneficiary/Type
Mary
Fund name:
Type
Total fund balance as at :
Policy number
Employer contributions (pa)
Salary Sacrifice contributions (pa)
Personal deductible contributions (pa)
Non-Deductible contributions (pa)
Tax-free component:
Taxable component (taxed):
Taxable component (untaxed):
Eligible start date:
Unrestricted non-preserved:
Death cover
TPD cover
Salary continuance
Beneficiary/Type

$0.00
$0
$150,000
$50,000
$0
$0.00
$0.00
$0.00

BT SuperWrap Super (Standard)


Accumulation
$0
$0.00
$0.00
$0.00
$0.00
$0
$0
$0
$0
$0.00
$0.00
$0.00

Additional information
Superannuation details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 11

Fact Find - Private and Confidential

Employment termination payments (ETP)


Termination payment details

Client 1

Client 2

Employment start date


Expected termination date
Tax-free redundancy amount
ETP amount
Unused annual leave
Unused long service leave
Other:

Super and ETP payment history


Jon-Pierre
Payee
Source
Date of payment
Total

Smiths Crisps Pty Ltd


Employer ETP
23 May 2008
$48,000

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 12

Fact Find - Private and Confidential

Pension and Annuity details


Pension / annuities
Jon-Pierre
Provider name/Product name
Account number
Type
TTR?
Current value
Purchase price
Purchase date
Term at purchase
Tax free %
Reversionary
Gross Income
Tax deductible %
Centrelink deductible amount
Beneficiary

OnePath OA Allocated Pension


55228866
Account Based Pension TTR
Yes
$257,890.00
$200,000.00
01 Feb 2010
0 year(s)
45.00%
Yes
$2,750.00 / Monthly
25.00%
$10,000.00
Mary Smith (Non-Lapsing Binding)

Additional information
Pension details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 13

Fact Find - Private and Confidential

Existing Personal Insurances


Insurer/Product

Owner/
Life Insured

Macquarie Life
OneCare Life Cover & TPD
& Trauma Premier
Maximiser
7654455

Jon-Pierre Smith

Jon-Pierre
AMP
Term Life Plus
445566

AMP
Elevate Trauma Plus,
Income Premier, Life
Insurance, TPD
889977

Waiting
period

Benefit period
Accident

Sickness

Premium

$200.00

$12,750
Monthly

IP

30 Days

Age 65

Age 65
$234.56

Death

$500,000

Jon-Pierre Smith

$1,000.00

Status

Monthly

Inforce

Stepped

Inforce

Monthly

Inforce

Stepped

Inforce

Yearly

Inforce

Mary

Death

$500,000

Stepped

Inforce

Mary

TPD

$250,000

Stepped

Cancelled

Jon-Pierre Smith

Mary

AMP
AMP Life Cover
AC12345

Level
of cover

Jon-Pierre Smith
Smith and Jones
Partnership
Jon-Pierre

AMP
Flexible Insurance
998877

Type
of cover

$20,710.05

Key Body Sys


Additional Life

Yearly

Inforce

$250,000
$75,000

Stepped

Inforce

Jon-Pierre

Death

$1,224,918

Stepped

Inforce

Jon-Pierre

TPD

$500,000

Stepped

Inforce

Jon-Pierre

Trauma

$162,500

Stepped

Inforce

Jon-Pierre

Child Cover

$100,000
$2,750.00

Death

$250,000

Jon-Pierre

IP

$5,897
Monthly

Jon-Pierre

TPD

$250,000

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Notes box
Back exclusion
100% loading for stress related illness

Any Occupation

Any Occupation

Inforce

Smith Family Super


Fund
Jon-Pierre

Notes/Beneficiaries

60 Days

Age 65

Monthly

Inforce

Beneficiaries:
Smith, Mary (100.00%)

Level

Inforce

Renewal date: 4 Sep

Stepped

Inforce
Inforce

Page 14

Any Occupation
Renewal date: 4 Sep

Fact Find - Private and Confidential


Allianz
Test
1546

JPS Company
Jon-Pierre

AMP
Term Life Plus
445566

Death

$500,000

Jon-Pierre Smith
Smith and Jones
Partnership
Jon-Pierre

AC&L
Term and Disability Cover
AC99999

$1,500.00

$234.56

Death

$500,000

Smith and Jones


Partnership
Costa Filippou
Costa

$4,578.99

TPD

$250,000

Inforce

Hybrid

Inforce

Monthly

Inforce

Stepped

Inforce

Yearly

Inforce

Level

Additional information
Insurance details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Monthly

Page 15

Inforce

Notes box
Back exclusion
100% loading for stress related illness

Any Occupation
Notes box
Neck exclusion
Knee 100% loading

Fact Find - Private and Confidential

General and Health insurance


General Insurer

Type

Lumley General
Insurance (NZ)
Limited

Buildings and
Contents
Residential

Health Insurer/Product
Bupa Hospital Extras Plus

Details

Owner

Sum insured

Premium

Jon-Pierre Smith

$750,000.00

$125.00

111 Big Tree Lane

$650,000.00

Type

Owner

Insured

Family

Jon-Pierre Smith
Mary Smith

Jon-Pierre Smith
Mary Smith

Premium
$5500.00 (AUD)

Additional information
General Insurance details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 16

Fact Find - Private and Confidential

Estate planning
Estate planning

Client 1

Client 2

Existing Will?

Yes

Yes

Date of original Will

01 Jul 2001

01 Jul 2001

Date last reviewed

03 Apr 2008

03 Apr 2008

Name of appointed guardian

Peter Adams

Peter Adams

Location of Will

JP Accounting

Have circumstances changed


since last review?

See Additional Information below

Testamentary trust?
If yes, who are the beneficiaries?

Powers of attorney?

See Additional Information below

Yes
Yes

No

If yes, what types/who?

Enduring
Enduring power of guardianship

Funeral plan?

Not in place

State in which documents


prepared?

SA

Any previous relationships that


may impact on estate planning
arrangements?

Yes. Married for 10 years to Jezzabelle


Witch (2 children both devils).

Any bequests?

See Additional Information below

See Additional Information below

Any other special estate


See Additional Information below
planning issues? (e.g. likelihood of

See Additional Information below

receiving an inheritance, de-facto


relationship, children from previous
relationships)

Any potential beneficiaries in a


vulnerable situation? (e.g.
financial trouble, relationship
problems, disabilities)

See Additional Information below

See Additional Information below

Executors (Client 1)

Notes

Peter Adams

Peter is the family accountant and close friend.

Mary Smith
Executors (Client 2)

Notes

Beneficiaries (Client 1)

Age of entitlement

Andrew Smith

25

Mary Smith

Immediate

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Notes

Page 17

Fact Find - Private and Confidential


Beneficiaries (Client 2)

Notes

Powers of Attorney (Client 1)

Type

Peter Adams

Enduring

Powers of Attorney (Client 2)

Type

Notes

Notes

Additional information
(eg. For business owners, are buy/sell agreements and relevant insurance policies in place? Complete the separate Business Fact Find
where appropriate. )

Estate Planning details

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 18

Fact Find - Private and Confidential

Structures
Associated structures
Name
Type
Ownership
Purpose

Gillard SMSF
SMSF
Julia and Tony
Family fun

Other information

Company Name
Directors
Shareholders
TFN
ABN
SMSF Name
Trustees
Members
TFN
ABN
SFN

JPS Company
Hugo Walters
James Google
- 50 shares
- 50 shares
Supplied
77665544
Smith Family Super Fund
Jon-Pierre Smith
Mary Smith
Jon-Pierre Smith
Mary Smith
Not supplied
111222333

SMSF Name
Trustees
Members
TFN
ABN
SFN

Costaki Superfund

Partnership Name

Smith and Jones Partnership


Pedro Jones (50.00%)
Jon-Pierre Smith (50.00%)
Supplied
222333444

Partners
TFN
ABN

Not supplied

Additional information (eg. entity diagram)

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 19

Fact Find - Private and Confidential

Scope of advice
Initial reason for seeking advice
Record the initial reason why the client is seeking your advice. For example, there may be specific event (eg. house or business purchase,
marriage, birth of child, receipt of an inheritance, redundancy, moved to an aged care facility) or the client may want advice on specific
objectives (eg. retirement planning, estate planning, income protection, business succession insurance).

Initial scope of advice


1. Inheritence
2. Birth of a child
3. Marriage
4. Divorce

Agreed scope of advice


Once you have completed further investigations and discussions with your client, record the agreed scope of advice. Include a clear
explanation of the reasons for any changes from the initial to agreed scope of advice. Has the advice been scaled? If so, include details
that support your judgement to scale your advice. Please note that once the scope of advice has been agreed, you may need to make
further enquiries to be in a position to provide appropriate advice (record any additional information in the relevant section of the Fact
Find).

Agreed scope of advice

Analysis of your personal risk insurance needs.


Advice on insurance products for specific types and amount of cover you nominate.

Advice limitations
Advice limitations
Has the client limited the advice or given directions as to the scope of advice? Yes
Provide details *:
During our discussions, you requested that we limit our advice to the scope of advice and the needs and objectives as
outlined in this Statement of Advice. Because of this request, it is important that you are aware that we have not provided
advice on the following: [insert excluded advice areas excluded and where applicable give the reason for exclusion]

e.g. Trauma insurance because you have indicated you do not currently have the cashflow to afford the
additional premiums.
e.g. Your direct share portfolio as you have this managed by your stockbroker, [name], and you want to continue
with that arrangement.

Due to the reduced scope of our advice, [insert implications] e.g. this SOA may not address all of your issues and
needs/the types and levels of insurance cover may not be appropriate to your needs.
[Insert recommended actions (if any)] e.g. We recommend you review your insurance requirements at your next annual
review meeting or earlier if your circumstances change.

Clearly outline the aspects that the client has taken out of scope. Examples: (i) you may identify an issue with the clients cashflow/debt/retirement or
estate planning position but the client declines advice in those advice areas, (ii) within a particular advice area like Insurance, the client may decline a type
of cover, or they may select the actual amount of cover, or limit the total premium, (iii) the client may wish to retain/purchase/sell a component within
their investment or insurance portfolio without your advice).

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 20

Fact Find - Private and Confidential

Incomplete or inaccurate information


Information limitations
Has the client provided all the information you require and requested?

Yes

Provide details :
We note that you were unable to provide some of the information we requested. In particular, we have not been given
details about abc. You are aware that this limits our ability to provide advice based on a full consideration of your
complete situation. As a result, the recommendations may not be appropriate to your particular financial situation.
Therefore, you should carefully assess the appropriateness of the recommendations in light of your overall financial
situation. Of course, we will endeavour to provide appropriate advice based on the information you have provided.
Steps taken to obtain information box.
*

Clearly outline what information is incomplete and/or inaccurate and the steps you have taken to obtain the information you require.

Adviser expertise
Adviser expertise
Do you have the necessary expertise to give the advice?

No

Do you have the relevant proper authority to give the advice?


If No, provide relevant information and actions taken (eg decline to give advice, referral to other parties):
Adviser expertise box.

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 21

Fact Find - Private and Confidential

Needs and objectives


Use the tables below to record the needs and objectives you and the client have agreed will be addressed. Aim to be specific when stating
the clients objectives (eg. include a purpose, amount and timeframe where appropriate). You may wish to prioritise each need/objective
and include details about how the client wishes them to be funded (e.g. savings, sale of assets, pension etc).

Description

You have reduced your work hours and wish to access your super to top up your reduced work income with
pension income. You want to increase your take home pay by $12,000 per annum to $70,000 per annum.

To protect your family/dependants in the event of death.

To review your Estate Planning arrangements to ensure that your wishes will be followed in relation to your
financial and personal matters in the event of your death. Also, you want to ensure that your affairs are taken
care of in the event you are incapacitated.

Planning priorities and preferences*


Jon-Pierre and Mary have asked us to review their portfolios to ensure they are well placed for the future and will meet
their needs and objectives. When designing out advice solustions they would like us to take into account their
preferences:

they are comfortable with their current 'balanced' investor profile

a well diversified portfolio that is actively managed so that it works hard for them

the ability to incorporate direct shares and term deposits in their portfolio as well as the 'usual' sector specialist
managed funds

an administration system that provides 24/7 access to their portfolio status and the ability to obtain good online
portfolio reports

regular access to our services so they can 'keep on top of' everthing that's going in their portfolio.

Include any client concerns and preferences that the client wants you to consider when formulating your advice. For example, access to funds, security of
capital or income, desire for tax efficiency, portfolio style (active/passive/control) and make-up (direct v managed, access to cash/TDs/shares), desired
features of superannuation platform (e.g. auto-rebalancing, daily unit pricing, ability to select and maintain exact amount of cover, allows TTR pensions and
binding nominations, view account balances online, make contributions by BPay, contribution splitting, overseas pension transfers), particular financial
products the client wants you to consider, attitudes to managing debt (is repaying debt a priority? at what age does the client want all debts repaid)

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 22

Fact Find - Private and Confidential

Personal risk needs analysis


Jon-Pierre Smith
Requirements - Jon-Pierre
Calculation Mode
Analysis Mode
Hide Null Rows
Assumptions

Present Value
Detailed
Yes

Income
Protection
pa

Business
Expenses
pa

$56,250

$0

Life

TPD

Trauma

$250,000
$731,106

$250,000
$0

$62,500
$0

$0

$0

$0

$0

$250,000

$100,000

$0
$0
$0

$0
$0
$30,000

$0
$0
$0

Total Capital Required


Total Upfront Needs

$981,106
$250,000

$530,000
$530,000

$162,500
$162,500

Capital Provisions
Disposable Assets
Continuing Income (PV)

$0
$438,664

$0
$438,664

$0
$0

Total Capital Available

$438,664

$438,664

$0

Insurance Needs
Total Cover Required
Existing Cover

$542,443
$0

$500,000
$0

$162,500
$0

$56,250
$0

$0
$0

-$542,443

-$500,000

-$162,500

-$56,250

$0

Partner Life Exp.

Partner Life Exp.

30 years *

30 years *

Partner Life Exp.


Upfront Costs Only
*

Capital Requirements
Liabilities to clear
Future Expenditure Required
Future Education Expenses
(PV)
Medical costs/Recovery
income
Provision for Tax
Other Provisions
Other

Surplus/Shortfall
Projection/Funding Period
Actual Funding Period
* Based on cashflow
projection

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 23

Fact Find - Private and Confidential


Mary Smith
Requirements - Mary
Calculation Mode
Analysis Mode
Hide Null Rows
Assumptions

Present Value
Detailed
Yes

Income
Protection
pa

Business
Expenses
pa

$0

$0

Life

TPD

Trauma

Capital Requirements
Liabilities to clear
Future Expenditure Required
Future Education Expenses (PV)
Medical costs/Recovery income
Provision for Tax
Other Provisions
Other

$250,000
$169,088
$0
$0
$0
$0
$0

$250,000
$169,088
$0
$0
$0
$0
$0

$0
$169,088
$0
$0
$0
$0
$0

Total Capital Required


Total Upfront Needs

$419,088
$250,000

$419,088
$250,000

$169,088
$0

$0
$0

$0
$0

$0
$0

$419,088
$0

$419,088
$0

$169,088
$0

$0
$0

$0
$0

-$419,088

-$419,088

-$169,088

$0

$0

Client Life Exp.


23 years *

Client Life Exp.


23 years *

Client Life Exp.


23 years *

Capital Provisions
Disposable Assets
Continuing Income (PV)

Insurance Needs
Total Cover Required
Existing Cover
Surplus/Shortfall
Projection/Funding Period
Actual Funding Period
* Based on cashflow projection

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 24

Fact Find - Private and Confidential

Additional underwriting details


Underwriting details

Client 1

Client 2

Height

183 cm

155 cm

Weight

80 kg

55 kg

Smoker?
If No, when ceased?
If Yes, number/day

Yes

No

15

Key duties of occupation


(include details of heights/
underground work etc)

duties for client

Administrative %

100.00%

75.00%

Manual %

0.00%

0.00%

Supervisory %

0.00%

25.00%

Travel %

0.00%

0.00%

Taking or been on any


prescribed medication?

Yes

No

Previous insurance claims?

No

No

Previous insurance declined,


loaded or exclusions applied?

No

No

Hazardous pursuits

Client 1

Client 2

Any special interests (eg


abseiling, car racing, scuba
diving)?

Sky diving

Nil

Additional information
Provide additional details on the information in the above needs analysis and underwriting tables. Explain the reasons why the Agreed
cover is less than the Cover required (if applicable).

Underwriting details

Risk planning priorities and preferences*


Additional info
Include any client concerns and preferences that the client wants you to consider when formulating your advice. For example - Ownership
(super/self/other); Beneficiaries (type/person); Preferences re features of recommended policies (eg. linked or standalone TPD/Trauma cover, TPD
definition, basic or comprehensive IP cover, IP features that provide immediate cover during the waiting period, needlestick benefits, preferred WP/BP),
particular financial products the client wants you to consider

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 25

Fact Find - Private and Confidential

Investment experience and attitude to risk


Please use your Licensees approved Risk Profile Questionnaire and attach a copy to the fact find (if applicable). Outline your discussions
with your client about their investment knowledge, education and experience, their motivation for investing and their attitude to risk.
Have they used other advisers previously? Is the agreed risk profile consistent with the outcome of the questionnaire? Is the profile
appropriate? Would another adviser recommend the same profile? If not, explain why.

Agreed profile

Client 1

Client 2

Moderately aggressive

Moderate

Additional information
Additionsl Info Risk Profiling.

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 26

Fact Find - Private and Confidential

Adviser notes
Adviser notes
Adviser notes

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 27

Fact Find - Private and Confidential

Fee details
Details
Advice fee (preparation of SOA)

$2,750.00

Payment method

I/We have agreed to pay this fee [enter alternative form of payment].

Communication preferences
Communications

Details

Preferred means of communication of advice


documents, PDS, FSG etc

email

If email, confirm preferred email address

jpsmith@bigpond.com.au

Privacy/FDS/FSG details
FSG details

Details

Privacy discussed?

Yes

Fee Disclosure Statement (FDS) Date

31 Oct 2014

FSG version number

Date FSG provided

03 Oct 2012

Separate fact find worksheets


Client 1

Client 2

Investor risk profile questionnaire

Yes No

Yes No

Investment schedule

Yes No

Yes No

Superannuation contribution history

Yes No

Yes No

Business expenses

Yes No

Yes No

Business insurance

Yes No

Yes No

SMSF information

Yes No

Yes No

Budget

Yes No

Yes No

Yes No

Yes No

Yes No

Yes No

Opex Advice

____________________________________

______________

Signature

Date

ABC Financial Services Pty Ltd | ABN 111 222 333 AFSL 222333444

Page 28