Statement of Advice

Topics: Taxation, Insurance, Investment Pages: 62 (13607 words) Published: March 18, 2013

Statement of Advice

As at 14 February 2013

Prepared for

Dr Navigate Print

What is this document about?

This statement of advice documents your current financial circumstances; our recommendations for the future and contains information to help you to make a decision on whether to proceed with our advice. Where information relevant to our advice has been provided to you before, or separately with this statement of advice, we will make specific reference to it in the relevant section.

Provided by

Tianji Jiang

Financial planner of Flinders Financial Group Pty Ltd

88 888 888 888

Authorised representatives of Flinders Financial Planning Pty Limited.

14 Feb 2013

Dr Navigate Print
DX 888,
Sydney NSW 2000

Dear Navigate,

I am pleased to enclose your Statement of Advice that has been designed specifically for your superannuation planning, debt management, risk protection goals and balance your current and future financial objectives with your financial risk profile.

Please read the Statement of Advice thoroughly, giving careful consideration to the advice in your risk profile and the recommended actions. If you have any queries, or believe that relevant information may have been overlooked or misinterpreted, please contact me before proceeding.

The advice has been compiled based on information detailed in your Financial Fact Finder, a copy of which is available on request. The recommendations in this Statement of Advice are based on current information and should only be considered to be current for one month. After that time you should not act on any of the recommendations without further reference to us.

I would be pleased to assist you implement this advice, including the completion and lodgement of relevant application forms and associated documentation.

Thank you for the opportunity to be of service to you.

Yours sincerely,

Tianji Jiang CFP Dip FP
Financial Planner and Authorised Representative
Flinders Financial Planning Pty Limited
Australian Financial Services Licensee
ABN 8888888888
Licence Number 888888

Table of Contents

Table of Contents2
Advice considerations4
What is included in our advice4
Where to find more information4
Summary of our advice5
Recommendations for Navigate5
Debt management8
Personal Insurance8
Estate planning8
Overall outcomes from our advice8
Debt management8
Estate planning9
About you10
Where you are now10
Your approach to investing11
What you want to achieve12
Debt analysisError! Bookmark not defined.
Our recommended strategy13
Recommendations for Navigate13
Debt management13
Personal Insurance15
Estate planning19
Risks & important considerations of our advice22
Our recommended products26
Debt management26
Variable loan product or line of creditError! Bookmark not defined. Non-superannuation27
AMP Platform29
AMP Flexible Lifetime Solutions31
Personal Insurance33
Your asset allocation35
The consequence of replacing your products37
Potential lost benefits or other significant consequences39 Alternative Strategies40
Reviews are important41
Advice and product costs41
Summary of advice and product costs42
What else you need to know43
Other benefits43
Referral paymentsError! Bookmark not defined.
Cooling off period43
Next steps44
Authority to proceed45
Supporting information46
Appendix 1: Where to find more information46
Appendix 2: About you47
Where you are now47
Your approach to investing49
Appendix 3: Details of advice and product costs51
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