• We hold an AUSTRALIAN FINANCIAL SERVICES LICENCE Number 313207.
• Our goal in terms of financial advice is to have clients become asset rich with income sufficient to provide them a high quality of life in their retirement.
• We TAKE NO COMMISSIONS or trails or brokerage on any other benefits. See Savings
• We agree a fee for service with clients prior to proceeding with the service. See Fees
• We provide financial advice to investors on the share market, managed funds, property investments, other forms of investments, and self managed Superannuation and Pensions,
• We provide assessments of financial position and make recommendations in line with a client's requirements.
• We provide a service updating a client's investment portfolio on a timely basis. See Fees
• Typically, to ensure investments are spread widely , no investment exceeds $50,000 unless specifically requested by a client.
• We provide advice to clients contemplating an investment in a business.
• We assess the value of a business to indicate its true worth to an investor. He is our specialist in strategies and plans.
• Les Harper, Mathew Boyes and Sven Helbig are our authorised representatives.
• Les Harper is a Certified Financial Planner, a member of the Financial Planning Association and a Fellow of the Institute of Chartered Accountants with more than thirty years experience in Financial Planning and Business.
• Matthew Boyes is authorised pursuant to PS146 and has had more than seven years experience in financial planning. He is well able to advise on strategies which will fulfill your needs and objectives.
• Sven Helbig is authorised pursuant to PS146 and has more than seven years experience in financial planning. He is able to advise on strategies and plans which will exceed your expectations.

Financial Planning

SAVINGS TO YOU BECAUSE WE TAKE NO COMMISSIONS OR TRAILS

• Typically an investor ment can expect to pay a 32-52 entry fee when making an investment. Normally this is taken by the Financial Planner.
• Typically "Trailing Commission" of 0.25 - 1.1% of funds invested is paid to the Financial Planner.
  Because we REBATE COMMISSIONS AND TRAILS directly back to you (by instruction to the Investment Entity) YOU SAVE.
• An estimate of savings you can make is shown in the following table:

• It can be seen from the above table, if an investment of $1,000,000 is initially made, over 20 years you would receive additional income representing rebates of trails, less fixed fees are charged and commissions of about $80,000. See Fees
• In addition to the above savings you receive the annual expected income/ growth on the saved amount as well.

Financial Planning Fees

• We provide clients with a "Fixed Fee" for presenting our Financial Plan. Typically this will be approximately $1,200 (simple plan) to $2,500 - $3,500 for a more complex plan.
• We enter into a FIXED FEE agreement to review the investments. This amount of the fee will depend on the regularity of the services and the number of separate investments. Typically a client could expect a fee of about 0.52 to 1.02 of funds invested.