Statement of Advice
As at 14 February 2013
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.
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
Sydney NSW 2000
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.
Tianji Jiang CFP Dip FP
Financial Planner and Authorised Representative
Flinders Financial Planning Pty Limited
Australian Financial Services Licensee
Licence Number 888888
Table of Contents
Table of Contents2
What is included in our advice4
Where to find more information4
Summary of our advice5
Recommendations for Navigate5
Overall outcomes from our advice8
Where you are now10
Your approach to investing11
What you want to achieve12
Debt analysisError! Bookmark not defined.
Our recommended strategy13
Recommendations for Navigate13
Risks & important considerations of our advice22
Our recommended products26
Variable loan product or line of creditError! Bookmark not defined. Non-superannuation27
AMP Flexible Lifetime Solutions31
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
Referral paymentsError! Bookmark not defined.
Cooling off period43
Authority to proceed45
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