Financial Planning and Accounting Specialists. Freedom to achieve

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1 Financial Planning and Accounting Specialists...creating choices for you Freedom to achieve

2 Financial Planning and Accounting Specialists Roan Financial Pty Ltd for you r you Peter Roan along with his wife, Toni# own and operate Roan Financial Pty Ltd based at Orange. Roan Financial Pty Ltd is an FPA Professional Practice of the Financial Planning Association of Australia. Roan Financial Pty Ltd is a Corporate Authorised Representative of Roan Financial Group Pty Ltd. Roan Financial Group Pty Ltd holds an Australian Financial Services Licence and also holds an Australian Credit Licence. Peter is a CERTIFIED FINANCIAL PLANNER practitioner with over twenty four years experience in the financial services industry including management roles. Peter is also: - Current Member of Financial Planning Association (FPA) Professional Designations Committee - A LRS Life Risk Specialist professional - A SMSF SPECIALIST ADVISOR TM within Roan Financial Group - Recipient of an FPA Fellow Award - Recipient of National Money Management Financial Planner of the Year Recipient of Money Management National High Commended Financial Planner Award Recipient of Financial Planning Association National Distinguished Service Award Current Member of SMSF Professionals Association of Australia (SPAA) - Current Chapter Chair for FPA Western Division (NSW) Member of the Financial Planning Association of Australia (FPA) and past Chapter Chair for ten years for the FPA Western Division (NSW) - Committee Member of FPA Western Division NSW - Recipient of Paul Harris Fellow Award for Rotary - Member of Orange Daybreak Rotary Club - Keynote Speaker at the IFA 2006 Practice of the Year Awards - A past member of the FPA National Education Committee for three years - A past member of the Financial Planning Industry Efficiency Advisory Group - Past President for Daybreak Rotary Club for Year 2006/ Numerous Industry Committee past involvement also include: - Financial Planning Association of Australia Education Committee - Financial Planning Association of Australia Pro Bono Advice Taskforce - Financial Planning Association of Australia SoA Working Group Peter was also part of the Judging Panel responsible for assessing financial plans in the 2003 Australian Consumers Association (Choice) and Australian Securities and Investment Commission (ASIC) Survey on financial planning. Peter has also acted as a CFP professional for the Financial Planning Association of Australia. Peter also presented at the Parliamentary Joint Committee on Corporations and Financial Services - Property Investment Advice - Safe as Houses? Peter is also the financial planning representative for the Financial Ombudsman Service Panel. He is currently serving a third term in this position. # Toni Roan is also: - Member of the Australasian Compliance Institute - Current Affiliate Member of the Financial Planning Association of Australia (FPA) - Member of the Executive Committee of Financial Planning Association of Australia (FPA) - Western Division (NSW) - Secretary of Financial Planning Association of Australia (FPA) - Western Division (NSW) since year 2000 and currently in her eleventh year in this position. - Recipient of Financial Planning Association of Australia National Distinguished Service Award At Roan Financial, we employ local people. We pride ourselves in attracting friendly and professional staff. We are all here to help you achieve your best result and reach your financial and lifestyle goals. CFP, CERTIFIED FINANCIAL PLANNER and are certification marks owned outside the U.S. by Financial Planning Standards Board Ltd. Financial Planning Association of Australia Limited is the marks licensing authority for the CFP Marks in Australia, through agreement with FPSB. The LRS mark and Life Risk Specialist designation is owned by the Financial Planning Association of Australia Ltd., SMSF SPECIALIST ADVISORS TM, SSA TM are marks owned by the SMSF Professionals Association Australia Limited (SPAA) and are awarded to individuals who successfully comply with all the initial and ongoing accreditation requirements of the SPAA Professional Standards Committee. PROFESSIONAL PRACTICE FINANCIAL PLANNING ASSOCIATION of AUSTRALIA Roan Financial Pty Ltd is an FPA Professional Practice Roan Financial Pty Ltd is a Corporate Authorised Representative of Roan Financial Group Pty Ltd ABN Australian Financial Services Licence No Australian Credit Licence No Level 1, Suite 2/179A Anson Street Orange NSW 2800 Tel: (02) Facsimile: (02)

3 value our clients.... As financial planners and accountants, we aim for a long term relationship with our clients based on the important things: ongong communication and contact. We want to regard your relationship with us as one that will grow and in this complex world there will be times when you will need to review previous arrangements to make sure they still meet your needs and objectives

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5 consider your complete financial needs A long-term relationship Financial planning is not just for the wealthy - it is for everyone and should start with your first job and continue through life. In this changing, complex world there will also be times when you will need to review previous arrangements to make sure they still meet your needs. We believe in building relationships with our clients. We consider your complete financial needs and objectives over the course of your life. Solicitor or accountant involvement We encourage feedback from our clients and this has helped us at Roan Financial Group to develop the importance of delivering quality service. We welcome the involvment of your accountant or solicitor to ensure that you get what you want. They are specialists in their own fields and have other details of your affairs which may influence your decision. We develop strong and trusting relationships with you, gaining a solid understanding of your situation. We are here working all year round providing personalised service to help you make smart financial planning and tax decisions. Totally covering your financial needs Our practice offers financial planning and accountancy services you may require at different stages of your life or business. These services are: - Accountancy - Taxation - Financial Planning* - Business Advisory Service - Self-Managed Superannuation* - Estate Planning* - Risk protection, assessment and advice* *Advice on these services is provided under Australian Financial Services License of the Roan Financial Group.

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7 our financial success is our focus We are here to work for you and work with you We specialise in working with individuals, small and medium sized businesses. Achieving your financial goals We measure our success by your financial success. If our service, advice and processes do not add value by minimising your tax, improving your business, reducing your financial risk and helping you set and achieve your financial goals, we have not achieved your goals. We aim to understand our client s needs We focus very carefully on your needs, understanding your unique issues, while maintaining our objectivity. You can be sure that our solutions are specifically developed for you and your circumstances. Whether it is setting up a business, growing an existing one or improving the way your financials are managed, we have the specialists on hand who can give you the appropriate support. We can come to you Good advice starts with a good understanding of your business or situation. It is important for us to understand exactly how you or your business works and to meet the people involved. So please call us and let us show you how we can assist you. In this changing, complex world there will also be times when you will need to review previous arrangements to make sure they still meet your needs. We believe in building relationships with our clients. We consider your complete financial needs and objectives over the course of your life

8 Your Financial Services Network *Risk and Insurance *Estate Planning Accountancy Taxation Services *Financial Planning *Self Managed Superannuation *Advice on these services is provided under the License of Roan Financial Group.

9 Accountancy We develop strong and trusting. relationships with you, gaining a solid understanding of your situation. Taxation Services Working out your tax return should be stress-free - we can help you minimise your tax so you spend your time doing the things you love! We can provide assistance in the preparation and lodgment of Business Activity Statement (BAS) and Instalment Activity Statement (IAS). What can we do for you? We can solve your problems and assist you maximise your wealth by providing advice on tax-effective planning. Our aim is to satisfy your individual needs by providing a range of services and advice designed to improve profitability, minimise tax liabilities and maximise asset protection. Our basic services include: Bookkeeping Tax Planning Individual Tax Returns GST Advice and compliance Effective tax planning *Advice on these services is provided under the Licence of Roan Financial Group.

10 Taxation Taxation Services We have considerable experience in planning for individuals, partnerships, trusts and companies to minimise tax exposure and to provide practical solutions for a variety of taxation issues. Through understanding your needs, we can tailor cost-effective solutions to meet your needs..... Our professional and experienced accountants are able to advise you on all aspects of taxation including current legislation interpretation within all tax areas: Income Tax Gapital Gains Tax Goods & Services Tax Payroll Tax We are committed to continual professional development to ensure we provide you with expedient proficient advice on the continuing flow of changes that are products of our complex tax system. Tailored for individuals Specialising in individual returns, we provide advice that includes: - Salary packaging to maximise take-home income *Financial Planning - Advice on maximising franking credits and investment dividend income rebates - Changing your business structure from sole trader/contractor into a company Perfect for partnerships and trusts - Partnerships and trusts can be a taxation nightmare and we are equipped to steer you in the right direction. - Advice on partnership deeds and agreements, goodwill and partnership entry and exit. - Incorporation into a company. Perfect for companies - Our taxation specialists have considerable experience in tax planning for companies. - Tax effective accounting. - Managing tax issues with loans to shareholders and related companies At present the GST Legislation involves many complexities and onerous compliance responsibilities. We can provid advice on all GST issues including dealing with the Australian Taxation Office where the existing law is unclear. With superannuation legislation frequently changing, we are committed to ongoing training and information gathering to help you as clients to comply with the law and gain maximum benefits.

11 Financial Planning * We act in the best interest of our clients Financial planning is not just for the. wealthy - it is for everyone and should start with your first job and continue through life. You want clear advice that you can rely on. Taxation Services Sound financial planning will normally proceed along the following lines: An initial consultation to obtain background information and establish your financial objectives. A personal profile is developed which may include income and expenses, savings, debt, taxation, insurance, superannuation, pension and benefit entitlements. By professional analysis of your profile, a fully documented personal financial plan, explains exactly how you can achieve your investment goals. Then a suitable portfolio of investments is developed and recommended. This plan becomes your property. Successful financial planning is a journey, not a destination Careful and diligent reviews of your financial plan are critical to ensure that your needs and objectives are constantly adhered to. Comprehensive research *Financial Planning Clients can be reassured of professionalism and all discussions take place in the strictest confidence. Services: Understanding and documenting your needs. Structured advice - Comprehensive advice; developing a plan that reviews all of your financial needs and documents recommendations on a range of matters. - Targeted advice; suited for specific financial situations such as retirement, insurance needs etc. Specialist advice - Investment advice Superannuation Advice on margin lending We will help build and protect your financial and retirement plans by providing personal advice in a professional way *Advice on this service is provided under the license of Roan Financial Group.....

12 People want a clear and professional.strategy that complies with the law: They want to be clear on what they are investing in and the associated risks. They want a financial planner to work with them, not just for them. They want their superannuation fund to be regularly reviewed and positioned to deliver real, long term gains, they want the least amount of administration and worry. That s what we want to *Financial Planning achieve for you as client. Self-managed Superannuation* You want professional advice? Our accountants and financial planners offer the best advice in the marketplace. When it comes to superannuation, there is more than one way to reach your goals. Whether you have a particular direction in mind or not, we can help you develop a superannuation investment strategy that complies with government, taxation and legal regulations while matching your wants and needs. If you are heading in the wrong direction, we will advise you The superannuation industry is littered with poorly performing managed and self-managed funds and unhappy clients. Most of these failures are due to the lack of diligence, insight and accountability of managers and insufficient scrutiny by fund members. Our advice ensures our clients can understand fully the nature of their investments and the inherent risks and can be proactive in managing their fund. Headaches dissolved Once a client has decided on the parth of self-management, they don t want to be bogged down with regulatory compliance and administration requirements. That s why they come to us. We draw on our extensive experience to navigate you through the self-managed superannuation maze without the headaches for you. A large part of our service consists of doing the job for you. We know how to deal with paperwork and statutory requirements so, as much as possible, you can leave it all to us. It is either growing or it s dead It is quite simple really, is your super fund performing as it should be, or could be, or not? The aim of a self managed superannuation fund is not only to effeciently structure and administer a super fund but to help you position your fund to deliver real gains. *Advice on this service is provided under the licence of Roan Financial Group......

13 Estate Planning* We all care about our families and partners but do we care enough to plan? We all care about our families and partners, but do we stop and take the time to properly structure our affairs for the eventuality of death. Each year thousands of people pass away without leaving a valid Will or with inadequate assets, thereby leaving their families in potentially difficult financial circumstances. Further, nearly one in two marriages in Australia falls apart, often resulting in unintended asset distribution on death. Truth is, good estate planning is much more than just having a Will. Have you considered your estate planning needs? It is good practice to address estate planning issues early before they turn into problems. Asking these questions may help in the planning process: *Financial Planning - Will your estate have sufficient funds to cover your debts? Will there be enough money to provide for your family s needs? - Are you sure you have a current, effective Will? Have you identified any capital gains tax issues? Could your Will be challenged? Could any of your beneficiaries be involved in a Family Law Court property dispute or bankruptcy action? - Have you made provision for your family s immediate cash needs following your death? Have you considered the timing of the distribution of your capital and income bequests? Are there any special factors you need to allow for? Time to consult us? If these few questions have started you thinking, it maybe time for you to consult someone about estate planning. It involves arranging your estate of business so that should you or your partner pass away, the right funds go into the right hands at the right time. This gives you peace of mind, and your family the benefit of having a plan, which will take care of their needs and distribute the funds in the best possible way. If we can t assist you, we can also refer to our Estate Planning Specialists for further assistance. *Advice on this service is provided under the license of Roan Financial Group......

14 ..... Risk and Insurance* What you need for peace of mind To protect you, your family, business and lifestyle against undesirable financial circumstances requires expert analysis and understanding of risk and associated costs. Our specialist risk and insurance planners have an intimate knowledge of the insurance industry and will aim to direct you to the most *Financial Planning appropriate cover for all aspects of your life. Our insurance and risk advice takes into consideration your financial, family, business and personal circumstances and maps out a secure, affordable and relevant protection plan. You can be confident our advice will match your needs with insurance products that represent real value. Our advice also considers what you don t need. We know only too well how difficult it is to wade through the terms and conditions of policies and make a value judgement. We appreciate how challenging it is to evalute an insurance provider as to their stability, integrity and payout history. We make it our business to do this for you. We investigate and judge each insurance policy against the following criteria: The value of the cover Contract definitions Cost of premium in relation to cover Insurance provider stability Payout historyof insurance provider Impact of disclaimers Clarity of policy Types of insurance considered: Personal and Business Life Critical Illness/Trauma Total and permanent disability Income Protection Key person Buy and sell agreements *Advice on this service is provided under the licence of Roan Financial Group

15 Roan Accounting Pty Ltd ABN Level 1, Suite 2/179A Anson Street, Orange NSW 2800 PO Box 2163, Orange NSW 2800 Telephone Facsimile Roan Financial Pty Ltd ABN Level 1, Suite 2/179A Anson Street, Orange NSW 2800 PO Box 2163, Orange NSW 2800 Telephone Facsimile

16 Commitment to our clients Our goal is to develop a strong and trusting relationship with you, by gaining a solid understanding of your situation. We will help build and protect your financial and retirement plans by providing personal advice in a professional way.