Financial Services Guide

Transcription

1 Financial Services Guide Part 2 (Adviser Profile) Date 15 th March 2018

2 PART 2 (Adviser Profile) Part 2 (Adviser Profile) contains the following sections: About Your Adviser (Section 1); The Services I Provide (Section 2); Fees and Charges (Section 3); and Contact and Acknowledgment (Section 4). This document is Part 2 (Adviser Profile) of the Financial Services Guide (FSG) dated 9 November 2015 and Supplementary Financial Services Guide (SFSG) dated 1 January 2018 and should be read together with Part 1. Part 2 sets out specific details about me as an Authorised Representative of Securitor Financial Group Ltd ( Securitor ). I am authorised by Securitor to provide the financial services described in Part 1 and Part 2 (Adviser Profile) of the FSG. I have also been authorised by Securitor to distribute this FSG. Securitor Financial Group Ltd ABN holder of Australian Financial Services Licence No Tower 2, International Towers Sydney, 200 Barangaroo Avenue, Barangaroo NSW 2000 GPO Box 5265 Sydney NSW securitoroffer@btfinancialgroup.com Website: securitor.com.au 2

3 ALASTAIR DIETER FINK SECTION 1 ABOUT YOUR ADVISER WHO IS YOUR FINANCIAL ADVISER? Your Financial Adviser is Alastair Dieter Fink. In this document, the terms I, me, us, we and our refer to Alastair Dieter Fink and Coastline Private Wealth. The term 'Representatives' refers generally to Securitor's Authorised Representatives. My Authorised Representative number is and the Corporate Authorised Representative number is WHAT EXPERIENCE DOES YOUR FINANCIAL I have extensive experience in the financial planning industry. I have over 17 years experience in financial services. WHAT QUALIFICATIONS AND PROFESSIONAL MEMBERSHIPS DOES YOUR FINANCIAL I have the following qualifications: Bachelor of Commerce (Finance & Marketing) Graduate Diploma of Financial Planning Graduate Diploma of Applied Finance and Investment Financial Planning association (FPA) DOES YOUR FINANCIAL ADVISER HAVE ANY ASSOCIATIONS OR RELATIONSHIPS? I have an association with Coastline Private Wealth (ABN ) as an employee and Director. Fees and commissions are paid to Coastline Private Wealth by Securitor for distribution to me. Coastline Private Wealth is also a Corporate Authorised Representative of Securitor and is not a related company of Securitor. Coastline Private Wealth s Authorised Representative number is SECTION 2 THE SERVICES I PROVIDE WHAT AREAS IS YOUR FINANCIAL ADVISER AUTHORISED TO PROVIDE ADVICE ON? I am authorised by Securitor to provide financial services, including advice or services in the following areas: Managed Investments Superannuation & Retirement Planning Life Products Advanced Securities Strategic advice about consumer credit and consumer credit referrals Self-Managed Superannuation Funds ARE THERE ANY SERVICES YOUR FINANCIAL ADVISER IS NOT AUTHORISED TO PROVIDE? I am not authorised by Securitor to provide advice or services in the following areas: Derivatives Margin Lending Consumer credit advice and assistance Finance Broking and other credit activities. Please ask me if you would like a referral for these services. If I receive a specific fee for this referral, it is disclosed below in Section 3 Fees and Charges. It may also be disclosed in an advice document such as a Statement of Advice ( SoA ), if I provide you with personal advice. HOW CAN YOU PROVIDE YOUR INSTRUCTIONS TO ME? You may provide instructions to me by using any of the contact details provided in Section 4 Contact & Acknowledgment. PRIVACY STATEMENT In addition to the information provided in the Securitor FSG Part 1 on how we collect, hold, use and disclose your personal information, and how we manage this information, further details around privacy are available at and/or by calling us on (08)

4 SECTION 3 FEES AND CHARGES HOW WILL YOUR FINANCIAL ADVISER BE PAID FOR THE SERVICES PROVIDED? I receive a salary as an employee of Coastline Private Wealth. I could also receive a performance bonus which may be based on certain performance criteria. My performance criteria is based on the revenue I generate for Coastline Private Wealth, as well as a number of other factors including client service, exceeding professional standards and personal development. My bonus potential does not influence my advice or any recommendations made. I am a director of Coastline Private Wealth. Fees and commissions are paid to Coastline Private Wealth by Securitor for distribution to me. I also receive director fees and profit share. WHAT IS YOUR FINANCIAL ADVISERS FEE STRUCTURE? As part of detailed financial planning, there are costs to you at various stages of the process. Before making any recommendations, I will discuss and agree the fees with you. Advice fees are inclusive of GST and payable by you at the following stages: Initial Advice Fees: Fees are charged for my initial advice and the preparation of a Statement of Advice (SoA). Fees are based on the complexity of the advice provided and range from $500 (minimum) to $11,000 (maximum) inclusive of GST. I will provide an estimated cost, which we will agree on before commencing any work. NOTE: Full details of all fees and commissions for Financial Services will be provided to you in a Statement of Advice (SoA), or Record of Further Advice (RoFA) and Product Disclosure Statements at the time of receiving any recommendation. WHAT AMOUNTS DO MY EMPLOYER AND OTHER RELATED ENTITIES RECEIVE FOR FINANCIAL SERVICES? All fees, commissions and incentives are received by Coastline Private Wealth Pty Ltd as trustee for Coastline Private Wealth Unit Trust trading as Coastline Private Wealth. WHAT OTHER BENEFITS DOES YOUR FINANCIAL ADVISER RECEIVE? In addition to the remuneration detailed above, I am eligible to qualify for other benefits and entitlements as detailed below: We and Securitor may also receive additional benefits such as help with marketing expenses, complimentary or subsidised attendance at conferences, and other rewards such as gift vouchers, tickets to sporting events and invitations to social events that are below $300. These benefits up to $300 in value, and other benefits, that relate to information technology software or support provided by a product issuer or that relate to educational and training purposes, are recorded in a register which meets legislative requirements. The Securitor Register is publicly available and Securitor can provide a copy on request. WILL YOUR FINANCIAL ADVISER BE PAID WHEN MAKING A REFERRAL? I provide and/or receive referrals for certain financial services but do not pay nor receive benefits for these referrals. You will be sent an invoice and payment is required within 14 days from the invoice date. Please note that my initial advice fees still apply where you decide not to implement my advice. Subsequent Service Fees: Fees for ongoing services and reviews are all based on an annual fee, ranging from $2,200 to $11,000. In some cases we may charge an annual rate of 1.10% of the funds under advice. For example, if you have $100,000 invested, my annual fee will be $1,100. All fees may be deducted from your investment funds (or insurance premiums or margin lending costs) and paid to me by product providers instead of being invoiced directly to you. All fees are inclusive of GST. 4

5 JOEL DAVID SHARP SECTION 1 ABOUT YOUR ADVISER WHO IS YOUR FINANCIAL ADVISER? Your Financial Adviser is Joel David Sharp. In this document, the terms I, me, us, we and our refer to Joel David Sharp and Coastline Private Wealth. The term 'Representatives' refers generally to Securitor's Authorised Representatives. My Authorised Representative number is and the Corporate Authorised Representative number is WHAT EXPERIENCE DOES YOUR FINANCIAL I have extensive experience in the financial planning industry. I have over 18 years experience in financial services. WHAT QUALIFICATIONS AND PROFESSIONAL MEMBERSHIPS DOES YOUR FINANCIAL I have the following qualifications: Bachelor of Commerce (Finance & Banking) Graduate Diploma of Financial Planning Association of Financial Advisers (AFA) DOES YOUR FINANCIAL ADVISER HAVE ANY ASSOCIATIONS OR RELATIONSHIPS? I have an association with Coastline Private Wealth (ABN ) as an employee and Director. Fees and commissions are paid to Coastline Private Wealth by Securitor for distribution to me. Coastline Private Wealth is also a Corporate Authorised Representative of Securitor and is not a related company of Securitor. Coastline Private Wealth s Authorised Representative number is SECTION 2 THE SERVICES I PROVIDE WHAT AREAS IS YOUR FINANCIAL ADVISER AUTHORISED TO PROVIDE ADVICE ON? I am authorised by Securitor to provide financial services, including advice or services in the following areas: Managed Investments Superannuation Life Products Securities Strategic advice about consumer credit and consumer credit referrals Self-Managed Superannuation Funds ARE THERE ANY SERVICES YOUR FINANCIAL ADVISER IS NOT AUTHORISED TO PROVIDE? I am not authorised by Securitor to provide advice or services in the following areas: Derivatives Margin Lending Consumer credit advice and assistance Finance Broking and other credit activities. Please ask me if you would like a referral for these services. If I receive a specific fee for this referral, it is disclosed below in Section 3 Fees and Charges. It may also be disclosed in an advice document such as a Statement of Advice ( SoA ), if I provide you with personal advice. HOW CAN YOU PROVIDE YOUR INSTRUCTIONS TO ME? You may provide instructions to me by using any of the contact details provided in Section 4 Contact & Acknowledgment. PRIVACY STATEMENT In addition to the information provided in the Securitor FSG Part 1 on how we collect, hold, use and disclose your personal information, and how we manage this information, further details around privacy are available at and/or by calling us on (08)

6 SECTION 3 FEES AND CHARGES HOW WILL YOUR FINANCIAL ADVISER BE PAID FOR THE SERVICES PROVIDED? I receive a salary as an employee of Coastline Private Wealth. I could also receive a performance bonus which may be based on certain performance criteria. My performance criteria is based on the revenue I generate for Coastline Private Wealth, as well as a number of other factors including client service, exceeding professional standards and personal development. My bonus potential does not influence my advice or any recommendations made. I am a director of Coastline Private Wealth. Fees and commissions are paid to Coastline Private Wealth by Securitor for distribution to me. I also receive director fees and profit share. WHAT IS YOUR FINANCIAL ADVISERS FEE STRUCTURE? As part of detailed financial planning, there are costs to you at various stages of the process. Before making any recommendations, I will discuss and agree the fees with you. Advice fees are inclusive of GST and payable by you at the following stages: Initial Advice Fees: Fees are charged for my initial advice and the preparation of a Statement of Advice (SoA). Fees are based on the complexity of the advice provided and range from $500 (minimum) to $11,000 (maximum) inclusive of GST. I will provide an estimated cost, which we will agree on before commencing any work. NOTE: Full details of all fees and commissions for Financial Services will be provided to you in a Statement of Advice (SoA), or Record of Further Advice (RoFA) and Product Disclosure Statements at the time of receiving any recommendation. WHAT AMOUNTS DO MY EMPLOYER AND OTHER RELATED ENTITIES RECEIVE FOR FINANCIAL SERVICES? All fees, commissions and incentives are received by Coastline Private Wealth Pty Ltd as trustee for Coastline Private Wealth Unit Trust trading as Coastline Private Wealth. WHAT OTHER BENEFITS DOES YOUR FINANCIAL ADVISER RECEIVE? In addition to the remuneration detailed above, I am eligible to qualify for other benefits and entitlements as detailed below: We and Securitor may also receive additional benefits such as help with marketing expenses, complimentary or subsidised attendance at conferences, and other rewards such as gift vouchers, tickets to sporting events and invitations to social events that are below $300. These benefits up to $300 in value, and other benefits, that relate to information technology software or support provided by a product issuer or that relate to educational and training purposes, are recorded in a register which meets legislative requirements. The Securitor Register is publicly available and Securitor can provide a copy on request. WILL YOUR FINANCIAL ADVISER BE PAID WHEN MAKING A REFERRAL? I provide and/or receive referrals for certain financial services but do not pay nor receive benefits for these referrals. You will be sent an invoice and payment is required within 14 days from the invoice date. Please note that my initial advice fees still apply where you decide not to implement my advice. Subsequent Service Fees: Fees for ongoing services and reviews are all based on an annual fee, ranging from $500 to $11,000. In some cases we may charge an annual rate of 1.10% of the funds under advice. For example, if you have $100,000 invested, my annual fee will be $1,100. All fees may be deducted from your investment funds (or insurance premiums or margin lending costs) and paid to me by product providers instead of being invoiced directly to you. All fees are inclusive of GST. 6

7 KRISTELLE ANNE HARRIS SECTION 1 ABOUT YOUR ADVISER WHO IS YOUR FINANCIAL ADVISER? Your Financial Adviser is Kristelle Anne Harris. In this document, the terms I, me, us, we and our refer to Kristelle Anne Harris and Coastline Private Wealth. The term 'Representatives' refers generally to Securitor's Authorised Representatives. My Authorised Representative number is and the Corporate Authorised Representative number is WHAT EXPERIENCE DOES YOUR FINANCIAL I have extensive experience in the financial planning industry. I have 6 years experience in financial services. WHAT QUALIFICATIONS AND PROFESSIONAL MEMBERSHIPS DOES YOUR FINANCIAL I have the following qualifications: Bachelor of Commerce (Corporate Finance, Management & Business Law) Advanced Diploma of Financial Planning Diploma of Financial Planning Association of Financial Advisers (AFA) DOES YOUR FINANCIAL ADVISER HAVE ANY ASSOCIATIONS OR RELATIONSHIPS? I have an association with Coastline Private Wealth (ABN ) as an employee. Fees and commissions are paid to Coastline Private Wealth by Securitor for distribution to me. Coastline Private Wealth is also a Corporate Authorised Representative of Securitor and is not a related company of Securitor. Coastline Private Wealth s Authorised Representative number is SECTION 2 THE SERVICES I PROVIDE WHAT AREAS IS YOUR FINANCIAL ADVISER AUTHORISED TO PROVIDE ADVICE ON? I am authorised by Securitor to provide financial services, including advice or services in the following areas: Managed Investments Superannuation Life Products Securities Strategic advice about consumer credit and consumer credit referrals Margin Lending ARE THERE ANY SERVICES YOUR FINANCIAL ADVISER IS NOT AUTHORISED TO PROVIDE? I am not authorised by Securitor to provide advice or services in the following areas: Derivatives Self-Managed Superannuation Funds Consumer credit advice and assistance Finance Broking and other credit activities. Please ask me if you would like a referral for these services. If I receive a specific fee for this referral, it is disclosed below in Section 3 Fees and Charges. It may also be disclosed in an advice document such as a Statement of Advice ( SoA ), if I provide you with personal advice. HOW CAN YOU PROVIDE YOUR INSTRUCTIONS TO ME? You may provide instructions to me by using any of the contact details provided in Section 4 Contact & Acknowledgment. PRIVACY STATEMENT In addition to the information provided in the Securitor FSG Part 1 on how we collect, hold, use and disclose your personal information, and how we manage this information, further details around privacy are available at and/or by calling us on (08)

8 SECTION 3 FEES AND CHARGES HOW WILL YOUR FINANCIAL ADVISER BE PAID FOR THE SERVICES PROVIDED? I receive a salary as an employee of Coastline Private Wealth. I could also receive a performance bonus which may be based on certain performance criteria. My performance criteria is based on the revenue I generate for Coastline Private Wealth, as well as a number of other factors including client service, teamwork and personal development. My bonus potential does not influence my advice or any recommendations made. I receive a salary as an employee of Coastline Private Wealth. I could also receive a performance bonus which may be based on the funds invested, insurance premiums payable or size of margin loans taken out by my clients and the fees I generate. WHAT IS YOUR FINANCIAL ADVISERS FEE STRUCTURE? As part of detailed financial planning, there are costs to you at various stages of the process. Before making any recommendations, I will discuss and agree the fees with you. Advice fees are inclusive of GST and payable by you at the following stages: Initial Advice Fees: Fees are charged for my initial advice and the preparation of a Statement of Advice (SoA). Fees are based on the complexity of the advice provided and range from $500 (minimum) to $11,000 (maximum) inclusive of GST. I will provide an estimated cost, which we will agree on before commencing any work. NOTE: Full details of all fees and commissions for Financial Services will be provided to you in a Statement of Advice (SoA), or Record of Further Advice (RoFA) and Product Disclosure Statements at the time of receiving any recommendation. WHAT AMOUNTS DO MY EMPLOYER AND OTHER RELATED ENTITIES RECEIVE FOR FINANCIAL SERVICES? All fees, commissions and incentives are received by Coastline Private Wealth Pty Ltd as trustee for Coastline Private Wealth Unit Trust trading as Coastline Private Wealth. WHAT OTHER BENEFITS DOES YOUR FINANCIAL ADVISER RECEIVE? In addition to the remuneration detailed above, I am eligible to qualify for other benefits and entitlements as detailed below: We and Securitor may also receive additional benefits such as help with marketing expenses, complimentary or subsidised attendance at conferences, and other rewards such as gift vouchers, tickets to sporting events and invitations to social events that are below $300. These benefits up to $300 in value, and other benefits, that relate to information technology software or support provided by a product issuer or that relate to educational and training purposes, are recorded in a register which meets legislative requirements. The Securitor Register is publicly available and Securitor can provide a copy on request. WILL YOUR FINANCIAL ADVISER BE PAID WHEN MAKING A REFERRAL? I provide and/or receive referrals for certain financial services but do not pay nor receive benefits for these referrals. You will be sent an invoice and payment is required within 14 days from the invoice date. Please note that my initial advice fees still apply where you decide not to implement my advice. Subsequent Service Fees: Fees for ongoing services and reviews are all based on an annual fee, ranging from $500 to $11,000. In some cases we may charge an annual rate of 1.10% of the funds under advice. For example, if you have $100,000 invested, my annual fee will be $1,100. All fees may be deducted from your investment funds (or insurance premiums or margin lending costs) and paid to me by product providers instead of being invoiced directly to you. All fees are inclusive of GST. 8

9 SECTION 4 CONTACT & ACKNOWLEDGMENT We conduct our financial planning activities and credit activities under the name of Coastline Private Wealth Pty Ltd. If you would like to make an appointment to discuss your financial needs and objectives in more detail, please do not hesitate to contact me. HOW YOU CAN CONTACT YOUR FINANCIAL ADVISER Financial Advisers Adviser Name: Alastair Fink Adviser Address: Level 1, 115 Cambridge Street West Leederville WA 6007 Adviser Phone Number: Adviser alastair@coastlinepw.com.au Adviser Name: Joel Sharp Adviser Address: Level 1, 115 Cambridge Street West Leederville WA 6007 Adviser Phone Number: Adviser joel@coastlinepw.com.au Adviser Name: Kristelle Harris Adviser Address: Level 1, 115 Cambridge Street West Leederville WA 6007 Adviser Phone Number: Adviser kristelle@coastlinepw.com.au Corporate Representative Name of Corporate Representative: Coastline Private Wealth Corporate Address: Level 1, 115 Cambridge Street West Leederville WA 6007 Corporate Phone Number: Corporate / website: 9

10 ACKNOWLEDGMENT CLIENT COPY I/We acknowledge that I was/we were provided with the Securitor Financial Services Guide Part 1 dated 9 November 2015, Supplementary FSG dated 1 January 2018 and Part 2 (Adviser Profile) dated 15 March Client name: Client signature: Date received: Client name: Client signature: Date received: OR complete as follows if Financial Services Guide is mailed to Client(s): I confirm that I sent a copy of the Securitor Financial Services Guide Part 1 dated 9 November 2015, Supplementary FSG dated 1 January 2018 and Part 2 (Adviser Profile) dated 15 March 2018 as follows: Sent to (Client name(s)): Sent on (Date): Sent by (Name): 10

11 ACKNOWLEDGEMENT ADVISER COPY (to be retained on client file) I/We acknowledge that I was/we were provided with the Securitor Financial Services Guide Part 1 dated 9 November 2015, Supplementary FSG dated 1 January 2018 and Part 2 (Adviser Profile) dated 15 March Client name: Client signature: Date received: Client name: Client signature: Date received: OR complete as follows if Financial Services Guide is mailed to Client(s): I confirm that I sent a copy of the Securitor Financial Services Guide Part 1 dated 9 November 2015, Supplementary FSG dated 1 January 2018 and Part 2 (Adviser Profile) dated 15 March 2018 as follows: Sent to (Client name(s)): Sent on (Date): Sent by (Name): 11