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| How will I pay for the service? |
| We will charge an advisory fee directly to you for the preparation and/or implementation of our recommendations, as well as for the on-going portfolio review service. These fees will vary according to your individual circumstances. After the initial consultations have been undertaken and a comprehensive analysis of your needs has been completed, a written recommendation is prepared and presented to you.
On placement of the investments we may receive a fee or commission, paid to us by the product issuers whose products we recommend to you. These fees will be calculated based on the amount invested, and may be deducted from the funds you invest or alternately charged to you and an invoice issued.
All the fees for the preparation and implementation of our recommendations are fully disclosed in the recommendation report, and are discussed with you during the presentation of the report.
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| What information do you maintain in my file and can I examine my file? |
| We maintain a record of your personal profile, which includes details of your investment objectives, financial situation and needs. Files are maintained both physically and electronically.
We also maintain records of any recommendations made to you and full details of investments placed on your behalf. This includes all correspondence with you.
If you wish to examine your file, please ask us, and we will make arrangements for you to do so.
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| What should I know about any risks of the investments or investment strategies you recommend to me? |
| We will explain to you any significant risks of investments and strategies which we recommend to you. |
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| What type of advice do you provide? |
| The solutions we will customise to your own needs and goals include retirement planning, personal and corporate superannuation, risk analysis, portfolio monitoring, negative gearing, insurance protection, and debt reduction and wealth preservation strategies.
We will only ever recommend an investment plan to you after considering its suitability for your individual investment objectives, financial situation and needs.
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| Who is my adviser and what qualifications do you have? |
| Your adviser will be acting as an Authorised Representative on behalf of Garvan Financial Planning, who is therefore responsible to you for any advisory services your adviser provides. Garvan Financial Planning is an Australian Financial Services Licensee under the Corporations Act and is licensed through the Australian Securities and Investments Commission.
Our Authorised Representatives hold some of the best credentials available in the financial planning industry. In addition to this, all Garvan Financial Planning advisers and financial planning assistants undertake ongoing training at the highest levels to keep to the absolute forefront of the financial planning industry.
Our Authorised Representatives are also members of the Financial Planning Association of Australia.
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| Will you give me advice that is suitable to my investment needs and financial circumstances? |
| All of our advice is carefully researched and prepared in order to suit your specific investment needs. To do this we need to get a full and clear picture of your circumstances and needs and individual investment objectives before we recommend any investment strategy to you. This means we need to ask you a lot of questions and a separate appointment is usually made for this. |
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