FDR sample

A review of your financial
plans begins with this
Financial Directions Report

At Integrated Adviser Solutions
we believe in the need to ensure
your financial plans are
managed in a dynamic way and
remain relevant to your
changing financial
circumstances.

The various components of your Client Care
Package recognise that personal
circumstances as well as economic conditions
and legislation change regularly.

The aim of this comprehensive
review report is to provide you
with a summary of the details we
have about your financial position
as well as your goals and
objectives so that you can see
what needs updating and that we
can determine if changes are
required.

Our experience has shown us that the best
financial outcomes are achieved for our
clients where there is a strong ongoing
relationship with their adviser.

Level 1, 176 Main Street
Osborne Park WA 6017
PO Box 1483
SUBIACO WA 6904
P 08 9207 3899
W www.integratedas.com.au
E [email protected]

Your 2017 Financial Directions Report

Dear John & Mary,
Some time back you would have received a Statement of Advice that recommended a suitable strategy to
achieve your agreed financial goals and objectives as I understood them to be at the time. It is not
unreasonable to expect that since then your details along with your financial goals and objectives would
have changed.
With this in mind we have prepared this Financial Directions Report for you to read so that you can
review a summary of the details we have in your file about your financial goals and objectives as well as
other information.
If by reading this report you note that some details are incorrect or even missing then to a large extent
that is the point of this report. The main issue is that if the records contained in this report are not correct
or are outdated then there is a real possibility that the original advice may no longer appropriate. When
you have finished reading this report and considered what changes and additional information needs to be
brought up to date I would encourage you to contact my office as soon as possible to make an appointment
so that we can discuss what effect these changes might have on your overall financial goals and objectives.
Having said that, if you are currently not in a position for us to have a meeting in the near future and
would instead prefer to provide the details of what needs updating over the phone, you are welcome to
contact the office. My adviser assistant will record any changes required and provide written confirmation
to you of those changes.
In the meantime, I have asked my adviser assistant to call you in the next week or so to see what you
would like to do.

Yours sincerely,

Tom Adviser
Principal Client Adviser
Superannuation |Retirement | Investment

Financial Planning services are provided by Integrated Adviser Solutions Pty Ltd is a Corporate Authorised Representative of Sentry Financial Planning Pty Ltd. Australian Financial Services Licence No. 247105 ABN: 74 099 029 526

Report prepared for: John & Mary

In the past you would have received a Statement of Advice from us that recommended
a suitable strategy to achieve your agreed financial goals and objectives as I understood
them to be at the time. It is not unreasonable to expect that over time some of your
financial details have changed and as a consequence of those changes your financial
goals and objectives may have also changed.

This report has been designed in such a way as to allow you the opportunity to review
what we have recorded as your financial goals and objectives as well as your financial
details.

This report is divided into three sections.

JOHN & MARY CITIZEN Section 1

Section 1 is a re-statement of the financial goals and
objectives that we have recorded in your file. We
encourage you to carefully review and reflect on
those goals and objectives to see if they are still
relevant because they directly affect our
ability to provide you the best advice.

Section 2

Section 2 is a re-statement of your financial
position as we currently have it on file.

Taking the time to carefully review what we
have recorded about your income and
expenses, as well as your assets and

liabilities is central to any future advice.

Section 3

Section 3 provides you with information on
what you need to do after reading this report.

Disclosure: This report has been prepared by Integrated Adviser Solutions Pty Ltd is a Corporate
Authorised Representative of Sentry Financial Planning Pty Ltd. Australian Financial Services
Licence No. 247105 ABN 74 099 029 526.

Section 1

Your financial goals and objectives

Our records indicate the following financial goals and objectives are currently recorded
in your file:

Personal
• To accumulate wealth for your retirement in a tax effective manner without impacting your lifestyle.
• Be in a financially stable position so that you are able to retire comfortably.
• To fund your cost of living in retirement.
• Provide funds for marriage of one daughter

Insurance
• Have sufficient insurance cover

General Advice Warning: Advice on the following pages of this report may not be suitable to you because it contains general

advice that has not been tailored to your personal circumstances. Please seek personal financial advice from Integrated Adviser

Solutions prior to acting on this information

2

Section 2

Your current financial position

Throughout this report we have used the records we currently have in your file to
provide a simple pathway of checkpoints for you to follow to help you decide what may
need updating.

You will see the 8 ‘checkpoints’ along the way.

PAGE 5

Start Your personal details

CHECKPOINT PAGE 6

1 Your income & expenses

CHECKPOINT PAGE 7

2 Your personal and investment

assets

CHECKPOINT PAGE 8

3 Your debts and liabilities

CH

CHECKPOINT PAGE 9

4 Your superannuation fund

3

CHECKPOINT PAGE 10

5 Your risk profile

CHECKPOINT PAGE 14

6 Your personal insurance details

CHECKPOINT PAGE 16

7 Your plans for after you’re gone

CHECKPOINT PAGE 17

8 A summary of things to consider

Disclosure: This report has been prepared by Integrated Adviser Solutions Pty Ltd is a Corporate Authorised Representative of Sentry Financial
Planning Pty Ltd. Australian Finany cial Services Licence No. 247105 ABN 74 099 029 526.

Let’s get started 4

Start

Your personal details

Shown in the table below is a summary of our records relating to your personal details.

If you find that some of these details are incorrect please refer to the cover letter at
the beginning of this report about either contacting the office to speak with my adviser
assistant or to arrange a meeting.

Date of Birth John Mary
Marital Status 24/10/1955 21/05/1964

Health Married Married
Private Health Insurance Good Good
No No
Retirement Age 65 65
Phone (Home)
Phone (Work) 08 9123 4567 08 9123 4567
Email 08 9876 5432
Phone (Mobile) [email protected] [email protected]
0411 000 111 0422 000 222
Occupation/Title Retail Manager
Employment Status Unemployed
Employee
Employer Kmart

Dependant Date of Birth Sex Relationship Financially Until Age
Henry 13/03/1998 M Son Dependant 21
Jane 15/05/1992 F -
Daughter Yes

No

5

Checkpoint 1

Your income and expenses

Shown in the table below are the details about your income and expenses taken directly
from our records.

If you note that any figures that are incorrect please refer to the cover letter at the
beginning of this report about either contacting the office to speak with my adviser
assistant or to arrange a meeting.

Income (excluding Centrelink) John Mary
Employment income $0 $62,500
$7,540
Other taxable income $7,540 $70,040
Total Income $7,540
Expenses
Housing John and Mary
Personal $0
Transport
$77,682
Entertainment $0
Dependants $0
Loans $0
Insurance $0
$0
Total Expenses
$77,682

Having a positive cashflow
is crucial to building
wealth.

Your cash flow is the money
you have coming in from
revenue and going out for
expenses. Good cash flow

management will ensure you
always have money available
for paying your expenses when

they are due.

6

Checkpoint 2

Your personal assets

Shown in the table below are the details of your personal assets as we currently
understand them to be.

If you find that some of these details are incorrect please refer to the cover letter at
the beginning of this report about either contacting the office to speak with my adviser
assistant or to arrange a meeting.

Mitsubishi Triton Owner Amount
Mitsubishi Triton John $6,000
Mary $30,000
Contents $124,000
Principal Residence John and Mary $436,000
John $596,000
Total

Your investment assets

Shown in the table below are the details of your investment assets taken from our
database.

If you find that some of these details are incorrect please refer to the cover letter at
the beginning of this report about either contacting the office to speak with my adviser
assistant or to arrange a meeting.

Bargara Property Owner Amount
Total John and Mary $340,000
$340,000

7

Checkpoint 3

Your debts and liabilities

Shown in the table below are the details of your debts and liabilities taken from our
database.

If you find that some of these details are incorrect please refer to the cover letter at
the beginning of this report about either contacting the office to speak with my adviser
assistant or to arrange a meeting.

Interest Payments % Tax Owner Amount
Rate $100 Deductible John $5,000
$369,000
Credit Card 10.00% 100.00% $128,000
$502,000
Investment Loan 6.59% $400 100.00% John and Mary

Home Loan 6.59% $800 0.00% John and Mary

Total

Good debt vs bad debt -
which do you have more

of?

Good debt involves an asset
which increases in value over

time.

Bad debt invests in an asset
which declines over time.

Many of us can't avoid bad
debt, but it is better to try and
minimise it whenever possible.

8

Checkpoint 4

Your superannuation fund(s)

Shown in the table below is the most recent valuation for your superannuation fund(s).
Although the valuation shown below for the super fund we manage for you should be
accurate, if the valuation details of any other super funds you may have is incorrect or
missing then please refer to the cover letter at the beginning of this report about either
contacting the office to speak with my adviser assistant or to arrange a meeting.

Superannuation accounts Owner Amount
Macquarie Wrap Super Consolidator John
John $141,231.56
GESB Mary as at 17/05/2017
Macquarie Super Accumulator Mary
Mercer Portfolio Superannuation $4,438*

$55,872.88
as at 17/05/2017

$2,480*

Total $204,021.56

*Please note that we are unable to receive updated valuations for the investments listed in the table above due to privacy
restrictions

John & Mary, on our records, it shows that you are both targeting a retirement age of
65. Currently you are jointly targeting an income in retirement of $60,000.00, which
represents 100% of The Association of Superannuation Funds of Australia (ASFA)
Retirement Standard benchmark of a Comfortable Retirement for a couple with John
providing 71% and Mary providing the remaining 29% based on current balances in
your superannuation accounts.

The table below contains the latest ASFA Retirement Standard benchmarks. These
annual budgets are what is needed by Australians to fund either a comfortable or
modest standard of living in retirement. These standards were first introduced in 2004
to provide a useful guide about retirement. It is updated quarterly and provides detailed
budgets of what singles and couples would need to spend to support their chosen
lifestyle.

Comfortable income Modest income Comfortable income Modest income
couple couple Single Single

Total $1,150.15 $667.06 $837.27 $463.62
Weekly $59,808 $34,687 $43,538 $24,108
Expenditure

Total
Annual
Expenditure

You can find the latest report about the ASFA Retirement Standard at

www.superannuation.asn.au/resources/retirement-standard

9

Checkpoint 5

Your investment risk profile - John

The table below reflects the answers you provided to our investment Risk Profile
Questionnaire which was designed to uncover your views about investment risk and
return.

Please carefully consider these answers because if you feel they no longer represent
your views we recommend that you contact us as soon as possible to arrange a meeting
to discuss what is shown we can then discuss what effect these may have on your
current and future financial plans. Alternatively, you can telephone my adviser assistant
at the office to provide these details.

Question Your answer

Which of the following best describes your a) Single with few financial commitments. You are keen to
current stage of life? accumulate wealth for the future at the same time as having funds
available for entertainment, clothes and travel.

b) A couple without children. You may be preparing for the future
by establishing and furnishing a home.

c) Young family. This is the peak home purchasing stage. You have
a mortgage and a very small amount of savings.

d) Mature family. You are in your peak earning years and have got
the mortgage under control. Your partner may work and the
children are growing up and have left home or are less financially
dependent on you.

e) Preparing for retirement. You probably own your own home and
have few financial commitments; however you want to ensure that
you can afford a comfortable retirement.

f) Retired. No longer working, you must rely on existing fund and
investments to maintain your lifestyle.

RISK PROFILE In light of current interest rates, what return do a) A return without losing any capital
you reasonably expect to achieve from your b) Current inflation rate plus 2-4% p.a.
investments? c) Current inflation rate plus 4-6% p.a.
d) Current inflation rate plus 6-8% p.a.
e) Over 8% p.a. above current inflation rate

If you did not need your capital for more than 10 a) You would cash in if there was any loss in value
years, how long would you be prepared to see b) Up to 3 months
your investment performing poorly before you c) Up to 6 months
cashed it in? d) Up to 1 year
e) Up to 2 years
f) More than 2 years

How familiar are you with investment markets? a) Very little understanding or interest

b) Not very familiar

c) Have enough experience to understand the importance of
diversification

d) Understand that markets may fluctuate and that different
market sectors offer different income, growth and taxation
characteristics

e) Experienced with all investment sectors and understand the
various factors that may influence performance

The greatest tax savings are generally obtained a) Preferably guaranteed returns before tax savings
from more volatile markets. Which balance do b) Stable, reliable returns, minimal tax savings
you feel most comfortable with? c) Some variability in returns, some tax savings
d) Moderate variability in returns, some tax savings
e) Unstable, but potentially higher returns, maximising tax returns

10

What would your reaction be if in 6 months after a) Horror. Security of your capital is critical and you did not intend
placing your investments you discover that, in to take risks
line with what is happening in the financial
markets generally, your portfolio has decreased b) You would cut your losses and transfer your money into more
in value by 20%? secure investment sectors

c) You would be concerned, but would wait to see if the investments
improved

d) This was a calculated risk and you would leave the investments
in place, expecting performance to improve

e) You would invest more funds to lower your average investment
price, expecting future growth

Which of the following best describes your a) You want to invest for longer than 5 years in growth assets such
purpose for investing? as shares and property to accumulate long term wealth

b) You are not nearing retirement, have surplus funds to invest and
you are aiming to accumulate long term wealth from a balanced
portfolio

c) You have a lump sum (inheritance or eligible termination
payment) and you are unsure about what secure investment
alternatives are available

d) You are nearing retirement and are investing to ensure you have
sufficient funds available to enjoy your retirement

e) You have some specific objectives within the next 5 years for
which you want to save enough money

f) You want a regular income stream and/or totally protect the
value of your savings

For how long would you expect most of your a) Less than 2 years
money to be invested before you would need to b) Between 2 and 3 years
access it? (Assuming you and/or your financial c) Between 3 and 5 years
adviser have made plans to meet short term d) Between 5 and 7 years
goals and to handle emergencies) e) Longer than 7 years

Based on the results of our Risk Profile Questionnaire, you have described yourself as
a MODERATELY AGGRESSIVE investor and as such, you are typically an investor who
is earning sufficient income to invest most funds for capital growth. Prepared to accept
higher volatility and moderate risks, your primary concern is to accumulate assets over
the medium to long term. You require a balanced portfolio with a bias towards more
aggressive investments.

MODERATELY AGGRESSIVE
A high risk taker

Investment Characteristics of a Moderately Aggressive investment strategy risk profile are:

Minimum Investment Term 6 years
Longer term objective Consumer Price Index (CPI) + 3.5%
Defensive vs. Growth Asset Balance
Average Historical Return 20% vs. 80%
Average Real Return 11.94%
Worst return over any 12 months 7.62%
Best return over any 12 months -25.26%
Probability of a negative return (per annum) 49.84%
20.50%

Please note that this result is indicative only. Please discuss the results of this profile with your Integrated
Adviser Solutions adviser before making any decisions which may be influenced by this profile.

11

Your investment risk profile - Mary

The table below reflects the answers you provided to our investment Risk Profile
Questionnaire which was designed to uncover your views about investment risk and
return.

Please carefully consider these answers because if you feel they no longer represent
your views we recommend that you contact us as soon as possible to arrange a meeting
to discuss what is shown we can then discuss what effect these may have on your
current and future financial plans. Alternatively, you can telephone my adviser assistant
at the office to provide these details.

Question Your answer

Which of the following best describes your a) Single with few financial commitments. You are keen to
current stage of life? accumulate wealth for the future at the same time as having funds
available for entertainment, clothes and travel.

b) A couple without children. You may be preparing for the future
by establishing and furnishing a home.

c) Young family. This is the peak home purchasing stage. You have
a mortgage and a very small amount of savings.

d) Mature family. You are in your peak earning years and have got
the mortgage under control. Your partner may work and the
children are growing up and have left home or are less financially
dependent on you.

e) Preparing for retirement. You probably own your own home and
have few financial commitments; however you want to ensure that
you can afford a comfortable retirement.

f) Retired. No longer working, you must rely on existing fund and
investments to maintain your lifestyle.

RISK PROFILE In light of current interest rates, what return do a) A return without losing any capital
you reasonably expect to achieve from your b) Current inflation rate plus 2-4% p.a.
investments? c) Current inflation rate plus 4-6% p.a.
d) Current inflation rate plus 6-8% p.a.
e) Over 8% p.a. above current inflation rate

If you did not need your capital for more than 10 a) You would cash in if there was any loss in value
years, how long would you be prepared to see b) Up to 3 months
your investment performing poorly before you c) Up to 6 months
cashed it in? d) Up to 1 year
e) Up to 2 years
f) More than 2 years

How familiar are you with investment markets? a) Very little understanding or interest

b) Not very familiar

c) Have enough experience to understand the importance of
diversification

d) Understand that markets may fluctuate and that different
market sectors offer different income, growth and taxation
characteristics

e) Experienced with all investment sectors and understand the
various factors that may influence performance

The greatest tax savings are generally obtained a) Preferably guaranteed returns before tax savings
from more volatile markets. Which balance do b) Stable, reliable returns, minimal tax savings
you feel most comfortable with? c) Some variability in returns, some tax savings
d) Moderate variability in returns, some tax savings
e) Unstable, but potentially higher returns, maximising tax returns

12

What would your reaction be if in 6 months after a) Horror. Security of your capital is critical and you did not intend
placing your investments you discover that, in to take risks
line with what is happening in the financial
markets generally, your portfolio has decreased b) You would cut your losses and transfer your money into more
in value by 20%? secure investment sectors

c) You would be concerned, but would wait to see if the investments
improved

d) This was a calculated risk and you would leave the investments
in place, expecting performance to improve

e) You would invest more funds to lower your average investment
price, expecting future growth

Which of the following best describes your a) You want to invest for longer than 5 years in growth assets such
purpose for investing? as shares and property to accumulate long term wealth

b) You are not nearing retirement, have surplus funds to invest and
you are aiming to accumulate long term wealth from a balanced
portfolio

c) You have a lump sum (inheritance or eligible termination
payment) and you are unsure about what secure investment
alternatives are available

d) You are nearing retirement and are investing to ensure you have
sufficient funds available to enjoy your retirement

e) You have some specific objectives within the next 5 years for
which you want to save enough money

f) You want a regular income stream and/or totally protect the
value of your savings

For how long would you expect most of your a) Less than 2 years
money to be invested before you would need to b) Between 2 and 3 years
access it? (Assuming you and/or your financial c) Between 3 and 5 years
adviser have made plans to meet short term d) Between 5 and 7 years
goals and to handle emergencies) e) Longer than 7 years

Based on the results of our Risk Profile Questionnaire, you have described yourself as
an MODERATELY AGGRESSIVE investor and as such, you are typically an investor
who is earning sufficient income to invest most funds for capital growth. Prepared to
accept higher volatility and moderate risks, your primary concern is to accumulate
assets over the medium to long term. You require a balanced portfolio with a bias
towards more aggressive investments.

MODERATELY AGGRESSIVE
A high risk taker

Investment Characteristics of a Moderately Aggressive investment strategy risk profile are:

Minimum Investment Term 6 years
Longer term objective Consumer Price Index (CPI) + 3.5%
Defensive vs. Growth Asset Balance
Average Historical Return 20% vs. 80%
Average Real Return 11.94%
Worst return over any 12 months 7.62%
Best return over any 12 months -25.26%
Probability of a negative return (per annum) 49.84%
20.50%

Please note that this result is indicative only. Please discuss the results of this profile with your Integrated
Adviser Solutions adviser before making any decisions which may be influenced by this profile.

13

Checkpoint 6

Your personal insurance details

You work hard to provide for yourself and your family and presumably have a sound
plan for wealth creation, but the common belief that 'it won't happen to me' often
results in many people not having an adequate plan to protect the very thing that
generates the wealth - themselves!

The diagram below shows a summary of the various risks which we typically face either
as a family unit or as an individual and the types of insurance which can be used to
mitigate these risks.

Family Unit

Events Loss of life Permanent Critical illness Loss of income
disability

Subsequent • Debt clearance • Medical costs • Medical costs • Living expenses
issues • Family Income • Debt clearance • Debt clearance • Debt servicing
• Child support • Home • Home • Retirement
• Education
• Funeral modification modification savings
• Ongoing care • Lifestyle • Maintain
expenses • Family Income
changes lifestyle
• Family Income

Insurance Life Insurance Total & permanent Trauma Income and
needed disablement Insurance business expense
insurance
protection 14

Shown in the table below are the details of your personal risk insurance policies taken
from our database.

If this is incorrect please contact to us as soon as possible to arrange a meeting to
discuss the details of your current personal risk insurance policies and we can then
discuss what effect these may have on your current and future financial plans.
Alternatively, you can telephone my adviser assistant at the office to provide these
details.

Insurance Type Policy Details Sum Insured/Benefits Annual Premium

Term Life - Macquarie SuperProtector $420,063 $4,242
John 802140288 Stepped

Term Life / TPD - Macquarie SuperProtector Term Life: $472,080 $1,794
Mary 802140515 TPD: $212,553 Stepped

Term Life / TPD - GESB 5029255 * Term Life: $120,000 $688
John TPD: $120,000 Stepped

Income Protection - GESB 5029255 * $3,000 (Monthly) Indemnity Value $699
John Waiting Period: 90 days Stepped
Benefit Period: 2 years

*Please note that we are unable to receive updated information to confirm the insurance listed in the table above is still current
due to privacy restrictions

Is it enough?

You will need to consider:
 What is the total of your debts (mortgage, credit cards)
 Would there be enough cover to maintain you and/or your family's lifestyle?
 If you died, what would your beneficiaries receive and would it be enough?
 Would there be enough to complete your children’s education?
 What about trauma insurance to protect your family lifestyle?

Your biggest insurance
risk is being

under-insured.

Did you know that 83% of
people insure their car but only

31% insure their most
important assets – their

income?
(www.lifewise.org.au )

Your beneficiaries If something happens to you, you’ll want to make sure that you have
made arrangements for the right funds to end up in the right hands.
A nominated beneficiary is the
person(s) nominated by you to 15
receive your super and the
insurance benefits attached to your
super fund in the event of your
death.

Checkpoint 7

Your plan for after you're gone

It is vital that upon your death you have left behind proper instructions for the
distribution of your personal estate. Making sure that your Will and Enduring Power of
Attorney as well as your superannuation Death Benefit Nomination is up to date is the
best way to achieve this.

Please carefully review the table below to ensure what we have recorded is still current
and correct.

Your Will John Mary

Do you have a Will? Yes Yes

Date of Will Dec 2016 Dec 2016

Executor(s) of Will James (brother) James (brother-in-law)

Beneficiary(s) of Will Mary John

Your Enduring Power of Attorney John Mary
Yes Yes
Have you appointed an Enduring Power of Attorney? Mary John
Name of Attorney 1 James (brother)
Name of Attorney 2 James (brother-in-law)

Your super/pension fund John Mary
Yes Yes
Have you completed a Death Benefit Nomination for
your super/pension fund(s) ?

Are your estate planning wishes up to date?

Having a Will saves you
time and money.

Don’t get stuck with a
government Will default sharing
of your assets. Take control of

who gets your property and
possessions including your

Superannuation fund.

16

Checkpoint 8

A summary of things to consider

John & Mary, by now, you may have identified that some details we have on record are
out of date and a number of things may need changing.

Listed below is a summary of each checkpoint to remind you about what changes and
updates might be needed.

1 John & Mary, as shown on page 6, our records indicate that you earn $77,580 per year (excluding
Centrelink) and have expenses of $77,682 per year. Are these details correct? Now would be a good
time for you to update us. Ensuring we have an accurate understanding of your personal cash-flow
lies at the very heart of any future advice.

2 John & Mary, as shown on page 7, our records indicate that you have $596,000 in personal assets
and $340,000 in investment assets. Are these details correct? Again, now would be a good time to
update us with any new details. Ensuring we have an accurate understanding of your assets will help
us provide appropriate future advice.

3 John & Mary, as shown on page 8, our records indicate that you have $502,000 in personal and/or
investment debt. Are these details correct? As previously stated, ensuring we have an accurate
understanding of your debt position will contribute towards providing appropriate future advice.

4 John & Mary, looking at the table shown on page 9, our records indicate that your super funds are
worth $204,021.56. If you have a super fund that we currently do not manage or a fund not currently
shown on that table, now would be a good time to update us with the details of those funds.

5 Your current risk profile investment strategy for your retirement is the Moderately Aggressive option.
We can help you determine if this is still an appropriate investment strategy for you. If you follow the
instructions in Section 3 you can redo the Risk Profile Questionnaire to see if anything has changed in
your views.

6 For many people, personal risk insurance provides a vital financial ‘safety net’ to ensure that if
something goes wrong financially they have some protection. Looking back on the details of the
insurances we have listed on page 14 are they still appropriate? If you are unsure please follow the
instructions in Section 3 to find out.

7 For many people, discussing their plans for after they are gone is a difficult thing to do. It is vital that
you regularly review the instructions contained in your Will and Enduring Power of Attorney to ensure
that your wishes are still current. If you believe that either of these require review, please follow the
instructions in Section 3 to find out how you can notify us.

17

Section 3

So, now it's over to you!

There is a lot of information in this report and there may be a number of
things that need updating. We are very keen to make certain that our
understanding of your current financial position is accurate.
There are now three options available to you.

Option 1 – Report is reflective of current situation

If this report accurately reflects your current situation and there is nothing that you need to
update us on, please feel free to then retain this report as a record of your complete financial
position.

Option 2 – Details need updating

To update any of the details listed in this report, please contact my adviser assistant at:

INTEGRATED ADVISER SOLUTIONS
Phone: (08) 9207 3899
Web: www.integratedas.com.au
Email: [email protected]
Mail: P.O. Box 1483 Subiaco WA 6904

Option 3 – Risk Profile needs updating or advice needed

To redo a Risk Profiling Questionnaire or if you have any questions that may involve personal
financial advice to do with your superannuation fund, retirement planning or your personal
insurance requirements please contact me at:

Financial Adviser
Tom Adviser
Principal Client Adviser
Superannuation | Retirement | Investment
Authorised Representative No. 123456
Phone: (08) 9207 3899
Email: [email protected]

Did you know you have access to our
library of free information booklets?

For many years INTEGRATED ADVISER SOLUTIONS has provided exclusive
access for all clients to a library of easy-to-read information booklets about
a wide range of financial subjects.

Listed below are some of the information booklets that are available for you
to read at any time.

Retirement Planning booklet

You will find that the Retirement Planning booklet is a good source of
information about the many different things that need to be considered when
preparing for a successful retirement.

Estate Planning booklet

For many people planning for after they are gone can not only be confronting
but is sometimes complicated by the many things in life that can affect your
wishes for your estate. Reading the Estate Planning booklet is a good start
in preparing your thoughts about what you should know.

Risk Profile booklet

It is vitally important that every client has a sound understanding about their
own tolerances for investment risk and the expectation for return. The Risk
Profile booklet is an excellent tool that can provide clarity about what your
views are towards risk and return so that your investments remain
appropriately invested.

Social Security booklet

Navigating Centrelink can at times be a very challenging exercise. Having a
reasonable understanding about what benefits and entitlements are available
can provide a major contribution towards successful financial outcomes. The
Social Security booklet is an easy to read introduction.

Investment Concepts booklet

The Investment Concepts booklet is a more general discussion about the
general principles of investing. Reading this booklet will provide a good
introduction to the world of investing which in turn will set the stage for
reading the Investment Concepts booklet.

Please contact us at any time if you would
like a copy of any of these booklets

Oh, and by the way….do you know
someone who might benefit from our
advice?

Did you know that the majority of new clients to Integrated Adviser Solutions were
referred by our existing clients?

For us, a referral from an existing client is very welcome because we see it as
recognition for the quality of service and advice we strive so hard to achieve.

If you think that a member of your family or friends would benefit by spending some
time talking with me about their financial plans then please pass on my details. You
can be confident that they will receive the same level of commitment and service that
you have experienced.

Your notes

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Meeting notes

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Action Items

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