Steps Involved in Financial Planning Process
Discuss about the Financial Planning and Forecasting for Official e-mail.
Before the first meeting the financial planner executives has to fix the time and place of the meeting with the clients via telephone or official e-mail. After fixing the meeting time the executive has to maintain requisite discipline and punctuality and attend the meeting on scheduled time so that improve the perceptions of the clients on the financial planner executive and the company which he/she represent as people like the people who maintain discipline and punctuality. In the first meeting with the clients the financial planning executive has to produce his/her business card and valid identity proof in order to achieve the trust of the client so that the executive can improve his/her trustworthy in front of the client.
The clients should be instructed to prepare with the information on the their prior investments schemes with proper documentations. Besides this, the investment queries must be prepared from the client side.
The financial planner has to explain in detail about the financial planning services offered by the Mentor Financial Planning Pty Ltd. Besides this, he/she can produce the itinerary of the company to the clients so that the client can depend on him/her and on the Mentor Financial Planning Pty Ltd. Besides this, some personal inputs may enhance the relationship with clients.
In order to make effective financial planning, the financial planner has to go through the following:
Determination of the current financial position of the client
Development of the financial goals
Identification of substitute course of action
Evaluation of the substitutes
Creation and implementation of a plan for financial action
Reevaluation and revision of the prepared plan
The financial planner executive have to produce his/her detail like the detail of the company he/she represent, here as per the case study, the company is:
Mentor Financial Planning Pty Ltd
ABN 99 109 240 897
AFSL xxxxxx
Level 2, Suite 2
349 Collins Street
Melbourne Vic 30000
Besides this the executive Business card with the name and ASIC Authorization Representative Number will be produced to the client.
Besides this, the executive also provide the information of his financial background such as his qualification for providing such types of services, his experiences, etc will improve the trust of the client on the executive.
The company is authorized to give advice on financial product as well as arrange the following services:
- Effective risk management services as well as protection of asset.
- Economizing and redundancy advice
- Strategies for wealth creation
- Guidance for accessing direct share
- Social security
Role of a Financial Planner
Besides this, the company provides general advice as well as personal advice.
The executive would tell the client about his academic background along with the experiences in the financial planning field besides this, he/she can share about his/her family and personal experience in order to make good rapport with the clients.
The company charges the fees on the basis of the time spend for developing the plan for the clients.
Alternatively the company may receive payment on the cost of the investment done by the clients as a brokerage.
The executive has to ask the client on their understand about the fee structure of the company for providing financial advice and if the clients have any queries then it is the responsibility of the financial planner to explain the clients clearly about the fees structure of the company.
j)
(i) In case of the client do not understand English properly then the financial planner has to take help from a interpreter who will translate both parties languages so that they can understand correctly what they want to say.
ii) In this case the financial planner executive should avoid to advice.
iii) In this types of situation the financial planner has to use his/her efficiency so that effective advice can be given.
iv) Try to balance the financial situation.
v) If the clients are disabled then the financial advisor must take extra care of the clients.
Vi) The executive has to be sympathize to the cultural background of the clients.
vii) The age related need must be given to the client by the financial planner.
The three steps that your client should take if they have a complaint or dispute prior to contacting the ASIC are as follows:-
- Step 1- Contact the business with your complaint
This step provides on spot solving of problems that are provided by the client. If this step of provides unhappiness regarding the problem solved, and then the client prefers the next step that is the step 2.
- Step-2- Further taking your complaints
This step provides the views regarding the problem solved with thereby launching an email with appropriate heading and title of the problem faced with the contact details. The original copies of the invoices must be provided for solving the problem. If the client does not receive the solution during the reasonable time period or the response accordingly then the client must prefer the process of step 3.
- Step-3- Contact an external dispute resolution schemes
For the resolution of these types of dispute, the EDR schemes must be followed by the client and for these the complaints are heard for free with providing the solutions for the problems mentioned.
Information provided by Mentor Financial Planning Pty Ltd
(a) Contact details
DETAILS |
CLIENT 1 |
CLIENT 2 |
Mark |
1. Title: |
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2. Given Name: |
Donna |
Dennis |
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3. Preferred Name: |
Donna |
Dennis |
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4. Surname: |
Barker |
Barker |
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5. Date of Birth: |
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6. Marital Status: |
Married |
Married |
/ 1 |
Home Address: |
Address: Suburb/Town: State: Postcode: |
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Home Telephone No. |
||
Preferred Contact No. |
/1 |
(b) Child / dependant details
Name: |
Megan |
/ 1 |
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Relationship: |
Daughter |
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Date of Birth: |
|||||
Current Age: |
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Financially Dependent: |
No |
(c) Financial arrangements involving siblings, parents or others
Name: |
/ 1 |
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Relationship: |
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Financial Arrangement |
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Date Commenced: |
|||||
Amount of Money: |
(d) Relationship history involving financial implications
According to the case, there is no previous marriages and history involving financial implications.
|
/ 1 |
(e) Health details
Do you Smoke: |
No |
/ 1 |
State of Health: |
Excellent |
|
Are you aware of any health issues that may impact your ability to earn an income? (please provide details) |
No, there is no health issues that will impact my ability to earn an income |
(a) Other personal financial arrangements
Donna and Dennis earns salary from their jobs and has no other personal financial arrangements |
/ 1 |
(b) Investment Experience
CLIENT 1 |
CLIENT 2 |
Mark |
Donna paid annually an amount of $17,000 into her superannuation fund as the personal contribution. |
Dennis has superannuation savings of amount $51000 held within PP superannuation fund. |
/ 1 |
(c) Acting as guarantor
No |
/ 1 |
(d) Employment details
CLIENT 1 |
CLIENT 2 |
Mark |
|
1. Employment Status: |
Full Time Employed |
Full Time Employed |
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2. Employer Name: |
Best Marketing |
Newbold’s Pty Ltd |
/ 1 |
3. Position Title: |
/ 1 |
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4. Primary Duties: |
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5. Work Address: |
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6. Work Phone No.: |
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7. Previous Job |
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8. Employment Security: |
Yes |
Yes |
/ 1 |
9. Are you contemplating leaving your employer? |
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10. Do you foresee any substantial change in your income in the next 2-5 years? |
Yes |
Yes |
/ 1 |
Notes: |
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(e) Previous financial history
|
Mark |
Do you have a previous financial history such as: · Bankruptcy; No · Refusal of credit: No
|
/ 1 |
- f) Estate planning issues
|
CLIENT 1 |
CLIENT 2 |
Do you have a current Will? |
No |
No |
Date of Will / Last Reviewed: |
No / / |
No / / |
Power of attorney |
No |
No |
Type / Name of Attorney? |
||
Do you have Funeral Plans? |
No |
No |
Do you have any specific intentions regarding your estate distribution? |
No |
No |
- g) Retirement planning
Retirement Details |
CLIENT 1 |
CLIENT 2 |
Planned Retirement Age: |
53 |
52 |
Retirement Income required: |
$90,000 (today’s dollar) |
$45,000 |
After retirement, do you intend to work again either on a full-time or part-time basis? |
N0 |
Yes Expected Income $: $25,000 Till age: 65 |
What capital expenses will you have in retirement? (Please state expense and value) |
$40,000 |
$40,000 |
Would you like some assets left to your estate? (Please detail) |
No |
No |
Special Needs
a)
Special Needs |
Description |
a deficient in English |
No, the client does not have any problem regarding the need mentioned. |
variety of products and services outside authority |
Yes, the service varies according to the demand made by the client. |
complex estate planning situations |
No, simple estate planning situations. |
unbalanced financial situations |
No, the client is provided with the simple and the biased financial situation |
a disability |
No, the ability is created for the changes |
needs of different cultural backgrounds |
No |
age related needs (i.e. very young or older age groups) |
Yes, the needs vary dependent on the age group. |
(b) Other adviser details
Accountant
Name: |
Alex Mentor |
Company: |
Mentor Financial Planning Pty Ltd, ABN No. 99 109 240 897, AFSL No. xxxxx. Level 2, 349 Collins Street, Melbourne, VIC 3000 |
Contact Detail: |
Phone: 1300 306 146 Fax: 03 9614 1807. |
Client expectations, priorities and objectives
Client expectations and requirements
Description |
|
Reasons for seeking financial advice: o Relatively small amount, o Simple financial strategy, o Limited or preset range of product |
o Product specific advice and/or service, o Comprehensive financial planning, o Portfolio advice, or o Product specific advice and/or service |
Explain: The descriptions consist of the advices which the client expects for the financial planning process. It must be executed for the enhancement of the portfolio advices and thereby the comprehensive financial planning with appropriate services can be executed. |
(b) Client priorities
For example, current income needs, retirement income needs, diversification, tax minimisation, capital growth, investment security, wealth creation, eliminate mortgage etc
Description |
The client specially demands to get an appropriate retirement plan so that they can live life freely without any tension. The clients priorities consists of the current income needs with respect to the retirement needs must be fulfilled with the process of tax minimization and appropriate wealth creation. |
(c) Client objectives
i. Short Term (1 to 3 years) |
The objective is to invest into different saving schemes such as Superannuation Fund |
ii. Medium Term (4 to 7 years) |
To manage the funds and assets for future purpose.
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iii. Long Term (7 year plus) |
The main objective of the client is to utilize saved money and invest in bonds and shares.
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(a) Lifestyle Assets
Asset |
Owner |
Date Acquired |
Purchase Price |
Current Value |
CGT Impact |
Debt |
Net Value |
Mark |
Principal Residence: |
Joint |
750,000 |
130,000 |
620,000 |
/ 2 |
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Contents: |
50,000 |
50,000 |
||||||
Motor Vehicle(s): |
||||||||
Caravan, Boat, Trailer: |
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Investment Property: |
||||||||
Other: |
||||||||
Total |
840,000 |
710,000 |
||||||
Mark |
(b) Investment Assets
Asset |
Reference Number |
Owner |
Date Invested |
No of Units |
Purchase Value |
Current Value |
Retain Yes/No |
CGT Impact |
Debt |
Net Value |
Mark |
/ 4 |
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Bank Account |
Joint |
9000 |
Yes |
9000 |
|||||||
Term Deposit |
Joint |
12000 |
12000 |
||||||||
Cash management fund |
Joint |
12000 |
12000 |
||||||||
Total |
36000 |
36000 |
|||||||||
Mark |
(c) Liabilities
Finance Provider |
Owner |
Guarantor |
Date Commenced |
Repayment Amount |
Repayment Frequency |
Interest Rate |
Balance |
Mark |
|
Home Loan: |
130000 |
/ 2 |
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Investment Loan: |
|||||||||
Personal Loan: |
|||||||||
Credit Cards: |
|||||||||
Other: |
|||||||||
Total |
(d) Total Gearing (Lending to Valuation Ratio) Total Liabilities _____130000________ / Total
Assets
__746000___________ = __17.42___________%
Income details
Income: |
|||
Investment Income: |
504800 |
53040 |
|
Centrelink Income: |
|||
Pension/Annuity Income |
|||
Other Income: |
30000 |
10000 |
|
Less Income Tax |
-160440 |
-1328 |
|
Less Medicare Levy |
-10696 |
-1260 |
|
Add Low Income Tax Offset |
|||
Total Tax |
|||
Total Net Income |
363664 |
60452 |
|
Marginal Tax Rate |
30 |
21 |
/ 10 |
(b) Expense details
COMBINED |
Mark |
|
Food: |
/ 3 |
|
Entertainment: |
||
Transport/Vehicle: |
40000 |
|
Council Rates: |
||
Amenities: |
||
Rent: |
||
Mortgage Repayments: |
130000 |
|
Other |
||
Total Net Expenses |
170000 |
(c) Surplus disposable income
COMBINED |
Mark |
|
Annual: |
135000 |
/2 |
Monthly: |
11250 |
Superannuation and Insurance arrangements
(a) Superannuation
Company |
Policy No. |
Employer/ Personal |
Owner |
Eligible Start Date |
Contribution Rate/ Amount |
Current Cash Value |
Mark |
Best Marketing |
220000 |
/ 2 |
|||||
Newbold’s Pty Ltd |
51000 |
||||||
(b) Insurance within superannuation
Do any of the above policies have insurance attached? |
Yes |
/ 1 |
|
Are any of the above policies preserved? |
No |
||
As a tax deduction been claimed for part/all? |
Yes |
||
Are there any exit fees applicable? |
No |
(c) Leave payments
Type |
Expected Receipt Date |
Anticipated Amount |
/ 1 |
|
Annual: |
|
|
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Long Service: |
|
|
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Other: |
|
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Have you recently received a redundancy package? |
No |
|||
If you have recently received a redundancy package, please provide notice of payments. |
(d) General insurance
Insurance Description |
Policy Number |
Owner |
Date Commencement |
Sum Insured |
Premium Payable |
Maturity Date |
/ 1 |
TPD insurance |
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Generic Needs |
Current Financial Position/Requirements |
Marks |
1. Assets |
The asset value shows strong financial position of the client |
/ 1 |
2. Tax Minimization |
The tax has to the paid as per the income tax law |
/ 1 |
3. Income |
The income of the clients has increased which is good |
/ 1 |
4. Superannuation |
The clients are getting returns from the funds |
/ 1 |
5. Expenses |
The clients are having high expenses that need to be manage |
/ 1 |
6. Debt Reduction |
The liabilities of the client are not so high |
/ 1 |
7. Investment Planning |
The investment planning of the clients are appropriate |
/ 1 |
8. Wealth protection |
The deposits in banks and saving plans will help to increase funds |
/ 1 |
9. Estate Planning |
/ 1 |
|
10. Business Planning |
/ 1 |
Risk, fraud and conflict of interest assessment
Risk and Fraud indicators |
Comments
|
Mark |
1. Conflict of interest risk Eg. Is this client involved in a financial dispute with another client of the licensee? |
No, the client is not involved in any financial disputes. |
/ 2 |
2. Cost/profit risk Eg. Is there a cost or profit risk to the business in providing advice to the client? |
No there is no profit or cost risk to business in providing advice to the client |
|
3. Credit risk Eg. Has this client ever been declared bankrupt? |
No, the client never been declared bankrupt |
|
4. Insurance risk Eg. Has this client previously made a claim on insurance that was declined? |
No, the client does not made a claim on the insurance that was declined |
|
5. Litigation risk Eg. Is the client involved in any legal litigations? |
No the client is not involved in any legal litigation |
|
6. Opportunity risk Eg. Is there a risk that a better opportunity will present after a decision has been made? |
Yes, there can be risk if there is a better opportunity for the client. It may affect their financial position |
|
7. Product satisfaction (value) risk Eg. Is there a risk that products recommended will contradict instructions given by the client? |
Yes, there can be risk, if the product contradict instruction given by the client |
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8. Regulatory risk Eg. Will the client act all times within legal boundaries? |
Yes, the client will act all times within the legal boundaries |
|
9. Relationship risk Eg. Has this client entered into a relationship with another financial adviser? |
No, the client never client entered into a relationship with another financial adviser |
|
10. Reputation risk Eg. Does this person have a media profile and involved in a major litigation case? |
No the client have no media profile and involved in a major litigation case |
Description |
Mark |
(a) How would you encourage your clients to express and clarify their expectations from the financial planning process? The clients expression provides the information about the responses which determines the positivity or negativity as explained by the advisers regarding financial planning process. |
/ 2 |
Generic Needs |
Requirements |
Preferences |
Team |
Rank |
1. Assets |
Investment needs |
The asset value shows strong financial position of the client |
Adviser |
1 |
2. Tax Minimization |
Income needs |
The tax has to the paid as per the income tax law |
Adviser |
2 |
3. Income |
Income needs |
The income of the clients has increased which is good |
Adviser |
3 |
4. Superannuation |
Investment needs |
The clients are getting returns from the funds |
Adviser |
`1 |
5. Expenses |
Investment needs |
The clients are having high expenses that need to be manage |
Internal |
2 |
6. Debt Reduction |
Income needs |
The liabilities of the client are not so high |
Internal |
4 |
7. Investment Planning |
Investment needs |
The investment planning of the clients are appropriate |
Adviser |
3 |
8. Wealth protection |
Investment needs |
The deposits in banks and saving plans will help to increase funds |
Adviser |
2 |
9. Estate Planning |
Investment needs |
Specialist |
2 |
|
10. Business Planning |
Income needs |
Specialist |
2 |
1. If my investment value fluctuated more than 20%, I would find it hard to sleep at night.
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|
1 |
Strongly Agree |
|||
2 |
Agree |
31 |
33 |
64 |
3 |
Neutral |
|||
4 |
Disagree |
|||
5 |
Strongly Disagree |
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2. I am willing to accept more risk to possibly achieve higher returns and reach my goals.
|
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|
1 |
Strongly Disagree |
|||
2 |
Disagree |
40 |
31 |
71 |
3 |
Neutral |
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4 |
Agree |
|||
5 |
Strongly Agree |
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3. If you had an investment portfolio, how often would you re-arrange it?
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|
1 |
Any loss of value |
24 |
21 |
45 |
2 |
Less than 3 years |
|||
3 |
3 – 5 years |
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4 |
Whenever my investments go up significantly |
|||
5 |
5 years or more |
4. I am willing to experience the ups and downs of the market for the potential of greater returns over the long term. |
||||
Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|
1 |
Strongly Disagree |
|||
2 |
Disagree |
|||
3 |
Neutral |
16 |
16 |
32 |
4 |
Agree |
|||
5 |
Strongly Agree |
5. Which of the following best describes your attitude to financial risk?
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|||
1 |
A very low risk taker |
|||||
2 |
A low risk taker |
|||||
3 |
An average risk taker |
24 |
24 |
48 |
||
4 |
A high risk taker |
|||||
5 |
A very high risk taker |
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6. Which statement best describes your understanding of financial markets and investments? |
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|||
1 |
|
|||||
2 |
I am not very familiar |
|
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3 |
I have had enough experience to understand the importance of diversification |
24 |
24 |
48 |
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4 |
I understand that markets may fluctuate and that different market sectors offer different income growth and taxation characteristics |
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5 |
I am experienced with all investment sectors and understand the various factors that influence performance. |
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7. My main concern is security. Keeping my money safe is more important than earning high returns. |
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
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1 |
Strongly Agree |
|||||
2 |
Agree |
24 |
24 |
48 |
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3 |
Neutral |
|||||
4 |
Disagree |
|||||
5 |
Strongly Disagree |
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8. How do you normally feel after you have made a significant financial decision?
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Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|||
1 |
Very Concerned |
|||||
2 |
Concerned |
24 |
24 |
48 |
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3 |
A little uneasy |
|||||
4 |
Content that I’ve made the right decision |
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5 |
Optimistic that the decision I’ve made will provide substantial benefits |
9. Investments that have experienced high volatility have generally compensated investors with higher returns over the long term. If you could invest in a portfolio between 10 and 20 years, which of the following would most suit you? |
||||||
Score |
Client 1 Score |
Client 2 Score |
Joint Score |
|||
1 |
A portfolio that may have a negative return every 15 years but a range between 0.2% and 9.1% pa. |
24 |
24 |
48 |
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2 |
A portfolio that may have a negative return every 8 years but a range between –1.1% and 12.01% pa. |
0 |
0 |
0 |
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3 |
A portfolio that may have a negative return every 5 years but a range between –2.5% and 15.3% pa. |
36 |
36 |
72 |
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4 |
A portfolio that may have a negative return every 5 years but a range between –2.9% and 16.3% pa. |
25 |
25 |
50 |
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5 |
A portfolio that may have a negative return every 4 years but a range between -4.2% and 18.9% pa. |
25 |
25 |
50 |
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Total Score |
Client 1 Score |
Client 2 Score |
Joint Score |
Mark |
||
Add up totals for each question and write the total for each client or for joint as appropriate. |
50 |
50 |
100 |
/ 2 |
||
According to the information below, what is your client’s risk profile? |
60 |
60 |
120 |
/ 2 |
Dennis and Donna Barker is a middle aged couple and the financial planning is done for them. It is a planning for the next seven year on behalf of the couple as well as this planning help them in retirement settling. Donna is 53 years old whereas Dennis is 52 years old and they are married for 29 years. Donna earns $90,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. Moreover, if she sacrifices her salary then she may build more handsome fund at the time of retirement. Besides this, she receives $17,000 for next 7 years. Her superannuation balance is $220,000as well as earns an average of 7%. She has $100,000 in term life.
Dennis earns $45,000 P.A. plus an additional superannuation Guarantee Contribution of 9.5%. His superannuation saving is $51,000 and he get 4%.
Their home valued $750,000 and they have mortgage loan $130,000 and for the interest they have to pay 7% interest.
Their expense around $40,000/Year and they spent $10,000 additionally on holidays.
Standard of living assets
Asset |
Owner |
Value $ |
Liabilities $ |
Net asset value $ |
Home |
Joint |
750,000 |
130,000 |
620,000 |
Cars |
Joint |
40,000 |
Nil |
40,000 |
Contents |
Joint |
50,000 |
Nil |
50,000 |
Total |
Joint |
840,000 |
710,000 |
Investment asset
Asset |
Owner |
Value $ |
Return % |
Liabilities $ |
Net asset value $ |
Bank Account |
Joint |
9,000 |
4 |
Nil |
9,000 |
Term Deposit |
Joint |
15,000 |
4 |
Nil |
15,000 |
Cash management fund |
Joint |
12,000 |
5 |
Nil |
12,000 |
Total |
Joint |
36,000 |
Nil |
36,000 |
We hereby declare that all the information provided in this form is true to the best of our knowledge.
We are not aware of any other information other than the information regarding the form provided. We have not disclosed this information to any other else other than the recommended mentor of Financial Planning Representative.
We have given permission for the usage of this information for the preparation of our financial plan and henceforth we understand the recommendations regarding the investment based on the solely information with providing investment recommendations.
We acknowledge that:-
We have received, read and understood the financial services guide before the advisory services are provided.
We permit this document to be passed in confidence to any member of Member Financial Planning Pty Ltd.
We have provided Limited Financial Information. We have limited objectives which can be advised on to:
Appropriate returns must be received during the time period
Tax must be reduced for the assets and the liabilities that are produced.
We have provided our tax file numbers which must be only held by the Mentor Financial Planning which must be forwarded to the financial institution.
I declare that:
The information provided by the client are appropriate and correct for the record obtained from the clients
The clients are provided with a copy of the Financial Services Guides before the advisory information related to services are provided.
The clients information must be kept confidential and managed in accordance to the requirements under:
Consumer Affair Act
Consumer Credit Code
Industry Codes of Practices
Privacy Act
Setting the Standards of Companies Policies and Procedures
Alex Mentor
Adviser’s Signature |
Date |
Date: DD / MM / YY
To Whom It May Concern
Please accept this letter as our authority to provide all the necessary information for the documentation of the requisites for the Mentor Financial Planning or their representative __________________.
Please accept a photocopy of this letter, as original will remain in file at the office of Mentor Financial Planning.
Correspondence should be sent to
Level 2, 349 Collins Street
Melbourne VIC 3000
This authority should remain in force until withdrawn in writing by me/us.
Thank-you.
Client 1 Name |
Donna |
Signature |
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Client 2 Name |
Dennis |
Signature |
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Client 1 D.O.B. |
___/___/___ |
Client 2 D.O.B. |
___/___/___ |
Address |
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Client Name |
Dennis Barker & Donna Barker |
Date of initial interview |
02.09.16 |
Date Advice presented |
16.09.16 |
Date of first transaction |
19.09.16 |
|
Actions/Documentation Obtained |
Completed |
Date |
|
Data Collection Forms |
Salary information, Sala |
Yes |
02.09.16 |
|
Superannuation fund information |
Yes |
02.09.16 |
||
Other investment by the clients |
Yes |
02.09.16 |
||
Expenses of the clients |
Yes |
02.09.16 |
||
Supporting Documentation |
Salary slip |
Yes |
02.09.16 |
|
Certificate of superannuation fund |
Yes |
02.09.16 |
||
Other investment document |
Yes |
02.09.16 |
||
Bank statement |
Yes |
02.09.16 |
||
Certificate of insurances |
Yes |
02.09.16 |
||
Certificate from capital management fund |
Yes |
02.09.16 |
||
Certificate of the mortgage loan |
Yes |
02.09.16 |
References
Elliott, B. and Elliott, J. (2008). Financial accounting and reporting. Harlow: Financial Times Prentice Hall.
Hillier, D. (2010). Corporate finance. London: McGraw-Hill Higher Education.
Holton, R. (2012). Global finance. Abingdon, Oxon: Routledge.
Spiceland, J., Sepe, J. and Nelson, M. (2011). Intermediate accounting. New York: McGraw-Hill Irwin.
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