About you

Before I make any recommendations, I need to consider your current

financial situation and what you would like to achieve now and in the future.
This questionnaire will help me do this.

Your details

Your name (s) Timothy Appleby & Nicola Appleby

Date 9th January 2020

Please answer the questions as openly as honestly as you can as it will allow me to better
understand what you need and what your concerns are. This will then allow me to make sure that
any recommendations I make are appropriate for you.
If you do not have all the details of your situation refer to things such as last year’s tax return,
superannuation member statements, bank statements, credit card statements and so on.
Any financial advice I give you will be based on the answers you provided me with, further
discussions we have, statements you provide me with or I obtain from the relevant third parties and
investigations I make into your situation.
If you need any information at any time, would like to discuss your details further or provide me
with updated information, please contact me.

My contact details
Practice name: Joseph C Drobinski
Phone: 07 3257 2243
Fax: 07 3257 2246
Email: joe@fesa.com.au
Website: www.joedrobinski.amp.com.au

Authorised representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFS Licence No. 232706

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Your personal details
This section captures information about your personal details, such as your current contact
details and how you would like to be contacted by us.

Individual details
Tim Nicola
Title Mr Ms
Surname Appleby Appleby
Given name Timothy Nicola
Preferred name Tim Nicola
Sex Male Female Male Female
Marital status Married
Date of birth 8th Oct 1965 13th Nov 1966
Tax resident of
Yes No Yes No
Australia
Country of Australia Australia
residence Other: Other:
Country of Australia Australia
citizenship Other: Other: UK

Contact details
Tim Nicola
Home address 10 Green Street
Mooloolaba
Work address

Other address

Mailing address Work Home Other Work Home Other

Home phone

Work phone

Mobile phone 0400 111 125

Fax

Email TimAppleby425@gmail.com

Contact me by

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About your family
This section captures information about your family, including your children and other family members that
are dependent on you. This helps me consider both you and your family when I make my
recommendations.

Dependants/Children
You have no children/dependants at this time You choose not to provide these details now.
1 2 3 4
Surname Appleby
Given names Samantha
Date of birth 01/01/2005
Male Male Male Male
Sex
Female Female Female Female
Is he/she financially Yes Yes Yes Yes
dependent on you? No No No No
If yes, until when?
Do any of your Yes
children have special
needs? No

Do you have any other Yes

financial dependants? No
Are there other family Yes
matters I should
know? No

Notes

About your health

This section captures information on your current state of health and issues I may need to know about as
this may impact any advice I provide you, particularly personal insurance.
Tim Nicola
Excellent Good Excellent Good
How would you rate your current health?
Average Poor Average Poor
Do you currently have any personal health, Yes No Yes No
lifestyle or occupation issues that may affect you? Not disclosed Not disclosed
Nicola had a hernia last
If yes, please detail year but is now good

Have you smoked in the last 12 months? Yes No Yes No

Do you have private health cover? Yes No Yes No
If yes, what type of cover? Full cover Full cover
Who is your health insurance provider? BUPA Combank Staff Fund
Notes

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What’s on your mind?

This section captures why you have come to see us and any
concerns or goals you may have. This will allow us to determine
your needs and objectives advice we provide.

We haven't looked at our super so we know we need to

Our friend passed away recently and left their children looked after well financially and it made us aware
that we haven't thought about this

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What’s important to you?
In this section we will start to categorise and detail your goals captured in the What’s on your mind section
under specific areas. This will help us to determine priorities for each area and develop an appropriate
timeline as a next step.
Timeframe: Short = within a year, medium = 1- 5 years, long = more than 5 years.

Lifestyle and family

Timeframe Priority Amount

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Notes

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Debt management
Timeframe Priority Amount

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Notes

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Estate planning eg Wills, power of attorney
Timeframe Priority Amount

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Not seeking advice as this is already be addressed and finalised.

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Investment planning
Timeframe Priority Amount

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Notes

Not seeking advice as this is already be addressed and finalised.

Personal insurance planning

Timeframe Priority Amount

We would like to ensure our family is financially

protected in the event of Death and TPD or Short Medium Long 1
serious illness and long term income loss.

Short Medium Long

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 Short Medium Long

Notes

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Superannuation planning
Timeframe Priority Amount

Although we are not sure when we will retire, we

would like to review our overall retirement
Short Medium Long
savings to ensure that we are maximising the
growth opportunities with our funds.

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

Notes

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Retirement planning
Timeframe Priority Amount

Short Medium Long

Short Medium Long

Short Medium Long

Short Medium Long

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Additional things that are important to you
Tim Nicola
I would prefer not to pay for your
fees out of my own pocket
Can I control where my money
goes after I die?
I want to have a range of options
and choices when investing
because….
I don’t want to spend a lot of time
thinking about my investment
strategy
I would like to easily access my
funds if required
I would like choice on how I receive
an income
How do I bring it all together and
co-ordinate everything for my
retirement?
I want options, value and peace of
mind in my insurance cover
Keeping my super fund when
changing employers
Notes

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Scope of this advice
Now we understand your goals, objectives, timeframes and priorities, we need to confirm what issues
you would like us to advise on today, those you want us to address at a later date and any risks this
may pose to you.

At this time, you have asked us to provide advice on:

1. Insurance including Death TPD Trauma and Income Protection for both of them

2. Advice superannuation and investments within super

3. Salary sacrificing
What will be
included in our
advice:

After discussions, you have requested the following be excluded from our
advice at the moment:
1. Estate Planning- You do not want to address this as you seek advice from a
Solicitor regarding this.
2. Budgeting- You are comfortable that you manage this yourself effectively.
3. Investment- we have cash which is saved in a bank account. we use this as
emergency funds and are happy to maintain thiss
What will not be
included in our
advice:
We will address these in:

You will contact us when you want to discuss these matters.

By not receiving advice on these matters, the following potential risks may
exist:

Estate planning- your wishes may not be adhered to in the event of you
passing away.
Budgeting- the calculations we have used are based on the expenses you have
Risks of not told us. If these are incorrect our calculations and projections may be
including these inaccurate.
in our advice: Investment advice- you may not be invested in accordance with your risk
profile therefore may be giving up capital growth opportunities

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Investment planning considerations
This section captures information about any concerns you have in relation to investment planning and any
specific issues you would like to address.

You have no investment planning needs now. You choose not to provide these details now.
Tim Nicola

How long would you be willing to < 2 years 2 – 3 years < 2 years 2 – 3 years
invest your money for, before you 3 – 5 years 5 – 7 years 3 – 5 years 5 – 7 years
would need to access it? > 7 years > 7 years
Do you prefer direct (shares) to Yes No Yes No
managed investments? Not sure – need advice Not sure – need advice
Do you prefer any investments? Yes No Yes No
If yes, please give details.

Are there any investments you wish Yes No Yes No

to avoid?
If yes, please give details.

Is borrowing to invest something

Yes No Yes No
you’d consider?
Are you prepared to use your home
as security for investment Yes No Yes No
borrowing?
Do you have any unused capital
Yes No Yes No
losses from previous years?
If yes, how much? $ If yes, how much? $

Notes

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Superannuation planning considerations
This section captures information about any concerns you have with your superannuation planning and any
specific issues you would like to address.

You have no super planning needs now. You choose not to provide these details now.
Tim Nicola
Have you made a personal Yes No Yes No
contribution in the last 3 years? Date: Date:
If yes, give details Amount: $ Amount: $
Have you claim tax deduction from
your personal contribution in the Yes No Yes No
last 3 years? Tax deductions claimed: $ Tax deductions claimed: $
If yes, give details
Does your employer allow you to
Yes No Unsure Yes No Unsure
salary sacrifice?
Have you previously received the Yes No Unsure Yes No Unsure
low rate cap on lump sum super
withdrawals? Date: Date:
If yes, give details Amount $ Amount $

Do you have lost super funds? Yes No Unsure Yes No Unsure

Do you want a lost super search
Yes No Yes No
conducted?
Have you received an Employment
Yes* No Yes* No
Termination Payment?
Notes

* Attach a copy of your statement or complete Appendix – Payments on termination of employment.

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Retirement planning considerations
This section captures information about any concerns you have in relation to your retirement planning and
any specific issues you would like use to address.

You have no retirement planning needs now. You choose not to provide these details now.
Tim Nicola
When do you plan on retiring?
How much income do you think you
will need in retirement?
Which assets will you use to fund
your retirement, other than
superannuation?
Do you have any planned expenses
in retirement?
Will you downsize your home? Yes No Yes No
If yes, amount you will free up $ $
Notes

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Risk profile
Your risk profile looks at investment risk and your attitude to it. By asking you more detailed questions we
can determine the most appropriate investment strategies to match your investment risk profile. Once all the
sections are complete, we will discuss your scores and whether or not you are comfortable with the outcome.

1. What is your major investment objective? Score 1 2 Joint

Avoid any fluctuation in the value of my investments. 0
Maintain the security of my investments with regular income to live on. 10
Maintain regular income with some exposure to capital growth. 20
Maximise the growth of my investments. 40

2. How would you react if your investments were to decline in value by

Score 1 2 Joint
20% in one year?
Withdraw all my funds immediately and move them to bank deposits. 10
Withdraw part of my money and move it to an alternative strategy. 20
Wait until I recovered the 20% loss and then consider alternative strategies. 20
Remain invested and follow the recommended strategy. 30
Increase the amount investment if possible because the market has
40
become cheaper.

3. An investment portfolio with high exposure to growth assets tends

to generate higher returns, albeit with some volatility. To what extent Score 1 2 Joint
are you willing to experience volatility to generate higher returns?
I’m very comfortable. I understand that to generate higher returns there is
risk of fluctuation of my investments in the short term. However, over the 40
long term, there is a low risk of capital loss.
I’m somewhat comfortable, assuming there is a limit to the volatility. 30
I’m a little uncomfortable seeing my investments fluctuate. 20
I’m much more comfortable with investments that have minimal volatility. 10

4. Which of the following best describes your attitude towards

Score 1 2 Joint
investment losses?
I would check the value of my investments several times a month and feel
10
very uneasy if I began to lose money.
Daily losses make me uncomfortable, but are not cause for alarm. I would,
however, start to feel very uneasy if I made a loss on my investments over 20
a 12-month period.
I take substantial day-to-day changes in my stride. However I would start to
feel very uneasy if I didn’t recover any significant losses within a 1 to 2 year 30
time frame.
If my investment suffered significant losses over a 2 year period and I still
believed in my long-term strategy, I would remain fully confident of a 40
recovery in performance.

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 5. What is your preferred strategy for managing investment risk? Score 1 2 Joint
To have a diversified investment portfolio across a range of asset classes
30
to minimise risk
I don't want to reduce it as investment risk leads to higher returns over the
40
long-term.
To invest mainly in capital stable investments. 10
I don't understand the definition of 'investment risk'. I rely on my financial
0
planner to achieve this.

6. In the past, how would you describe your overall investment

Score 1 2 Joint
decisions?
Not applicable. I'm a first time investor or have only ever invested via my
20
superannuation fund
Good, I have stuck to stable and safe investments. 10
Good, I have been rewarded for making investments that can fluctuate in
40
value.
Fair, however I would like to improve my returns. 20
I’ve had some losses, but am willing to give it another go. 30
I’ve had some losses and am reluctant to invest in anything that fluctuates
0
in value.

7. Which of the following best describes your understanding of the

Score 1 2 Joint
investment market?
I am an experienced investor and constantly keep up to date with the
investment market. I’ve had exposure to various asset classes and am fully 40
aware of the risks involved to gain high returns.
My awareness of the financial market is limited to information passed on by
my broker or financial planner. I rely on the professionals to keep me up to 30
date.
I have little awareness of the investment market. However, I have a desire
20
to build my knowledge and understanding.
I’m not familiar with investments or financial markets. 10

8. What is your willingness to risk shorter term losses for the prospect
Score 1 2 Joint
of higher longer term returns?
High 40
Moderate 30
Not sure 20
Low 10

9. Have you ever borrowed money to make an investment other than

your own home eg investment property, holiday home, share Score 1 2 Joint
portfolio, margin loan etc?
No 0
Yes 30
No, but I’m willing to consider it now 20
Yes, but I’m not prepared to borrow at the moment to invest 10

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 Join
Total score 1 2
t
Add up the scores for each question and record the totals. 310 280
85% 85%
According to the information below, what is your risk profile? grow grow
th th
If you don’t agree with above, what is your preferred risk profile?

Risk benchmarks
Score Investment risk profile Score Investment risk profile
161 - 210 Moderately conservative (55% growth)
N/A Short duration (100% cash)
211 – 260 Balanced (70% growth)
50 - 110 Conservative (25% growth) 261 – 310 Moderately aggressive (85% growth)
111 – 160 Cautious (40% growth) 311 – 350 Aggressive (100% growth)
Go to Appendix – Investor risk profile summary for an explanation of your risk profile.

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Are you willing to consider a trade-off?
I am here to help you achieve your goals and objectives if possible and whilst I can help you to understand
how you may be able to maximise your current investments, there may still be a gap between where you
want to be and what your attitude to risk allows you to achieve. Think about how comfortable you feel with
the level of risk you are willing to take across all your investment assets. Whilst you may be comfortable with
this, you may not be able to meet you financial or lifestyle objectives.
Let’s say that you are a “cautious” investor, so you don’t want to take big risks. If you have a short timeframe
in which to grow your assets, you may not be able to achieve your desired goals and objectives and need to
reconsider your options. This may mean a trade-off where you might consider investing a little bit more
aggressively or reconsider your goals and objectives. This will give you a greater chance of achieving them.
I can help you understand your options so that you choose what is right for you. Please choose which of the
options below you would be willing to consider if it is unlikely that you will achieve your goals and objectives.

If it is unlikely that you will be able to meet your goals, which option would
Tim Nicola
you consider?
Make changes to my current lifestyle now by spending less and saving more.
Make changes to my lifestyle at a later stage by spending less eg in retirement
Downsize my lifestyle assets, or reduce my planned expenses.
Delay my retirement.
Increase my exposure to growth assets, giving me increased investment risk.
Borrow funds to invest.
Reduce the estate I leave to my beneficiaries.
Revise my financial goals.
Other (provide list below):
Notes

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About your employment
This section captures information about your current employment situation. This helps me to understand any
issues needing consideration when providing you with advice, for example, for advice on insurance, your
daily duties may affect your premiums if you work in a high risk industry.

Tim Nicola
Employee Employee
Self–employed Self–employed
Retired Retired
Occupation type Semi-retired Semi-retired
Retired from ill health Retired from ill health
Sole trader Sole trader
Unemployed Unemployed

Permanent full time Permanent full time

Permanent part time Permanent part time
Fixed term Fixed term
Employment type
Casual Casual
Contract Contract
Contract end date:………. Contract end date:……….

Employer name Nestle Foods Self

Number of hours a week 40 30
Occupation Sales Manager HR & Interior design
Industry Food & Beveridge Consulting
Main duties
Customer liaison Consulting and design

Qualifications
Do you currently have a salary Yes No Yes No
package in place?
If yes, please give details

Notes

If you are a business owner or have other structures such as a family trust, complete Appendix - Business ownership.

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About your income and expenses
This section captures information on your income and expenses to help me understand your current
cashflow situation. This allows me to make appropriate recommendations while considering any cashflow
shortages or surplus you have. You can provide me with your last tax return if you are unsure of any of the
following details.

Income
Income description Tim Nicola
$ a year $ a year
Base salary or wages 91,000 50,000
Car allowance- tax free 20,400 0
Annuity / allocated pension 0 0
Rental income 0 0
Share / investment income 0 0
Foreign pension income 0 0
Maintenance income 0 0
Amount: $ Amount: $
Current Centrelink or Payment name: Payment name:
Department of Veterans’ affairs
benefit amount Centrelink reference number Centrelink reference number
CRN: CRN:
Other taxable income 0 0
Other non-taxable income 0 0
Total 111,400 50,000
Reportable fringe benefits 0 0

Are you expecting your income Possible to be getting a bonus of

to change in the foreseeable $10,000 but not certain
future? (Do not include for modelling
Provide details purposes)

Annual household expenses/surplus

Category
Complete either option 1 or 2:
1. Estimated total annual household expenses. $65,000
 Are loan repayments included? Yes No
 Are insurance premiums for personal risk, included? Yes No

2. Estimated annual surplus - after household expenses, loan Approx $31,000- all surplus
repayment and insurance premiums. currently going to debt
3. What % of your total expenses are variable? None
4. Are you expecting your expenses to change in the foreseeable
future? No
Provide details
* For a detailed expense table, eg for budget planning purposes, complete Appendix - Detailed household expenses.
Completion of the Detailed household expenses appendix is required where providing debt management advice.

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About your assets and liabilities
This section captures information about your current financial situation - what you currently own and owe.
You can give me current statements rather than completing the tables below.

Personal assets (excluding assets which generate income)

You have no personal assets. You choose not to provide these details now.
Owner Estimated
Estimated market
Description Othe Centrelink value Retain
1 2 Joint value $
r $

Principal residence 600,000

Home contents 50,000

Motor vehicle 1 25,000

Motor vehicle 2 50,000

Investment property assets

You have no investment property. You choose not to provide these details now.
Owner Date of Estimated Net
Description Othe purchase / market income Retain
1 2 Joint Price $ value $ pa* $
r
/ /
$
/ /
$
/ /
$
* This includes the gross rental income less any property expenses (not including loan repayment)

Cash / fixed interest assets

You have no cash/fixed interest assets. You choose not to provide these details now.
Owner
Market Interest Maturity
Description Othe Retain
1 2 Joint value $ rate % date
r

Bank account 85,000 1.0%

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Liabilities (including credit cards)
You currently have no liabilities. You choose not to provide these details now.
Owner Retain
(R)
Payment Tax Consol
Lender and Loan Balance Interest idate
Othe amount / deduct
type 1 2 Joint o/s $ %pa (C)
r freq % pa
Discha
rge (D)

Interest only $1,000

72,000 2.73% per No R
Westpac month

Interest only

Interest only

Notes-

Investment, superannuation and income stream summary

Investment assets eg shares, managed investments or master trusts
You do not own any investment assets. You choose not to provide these details now.
Owner Account Balance Statement
Investment name Type
1 2 Joint Other number $ attached

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Superannuation assets
You do not have any superannuation assets. You choose not to provide these details now.
Owner Account Balance Statement
Superannuation fund
1 2 number $ attached

AMP FLS 934870195 464,384

MLC Wrap 8899196-Y 140,000

Retirement income streams

You do not have any retirement income streams. You choose not to provide these details now.
Owner Balance
Account Income Statement
Fund name (account
1 2 number pa $ attached
based)

Where you have not provided a statement, complete the relevant investment, superannuation or retirement income
streams forms in the appendix.

Notes

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Insurance summary
Insurance policies
You do not have any insurance policies. You choose not to provide these details now.
Owner Type and level of
Insurance Policy cover Statement
Life insured
1 2 Joint company number Life / TPD attached
Trauma / IP
AMP FLP Type: Life 160,513
Tim 12121212
(inside super) $190.92 pm
Type: TPD (Any
occ) $160,513
$157.92 pm
Type: IP 5,778.12
pm 6 month wait, 2
year bp
$208.20 pm
(Indemnity cover)
Type:
$
Type:
$
Type:
$
Type:
$
Type:
$
Type:
$
Where you have not provided a copy of your policies, complete Appendix-- Current insurance details.

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 Notes

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Insurance needs analysis
Life insurance analysis
You do not have any life insurance needs. You choose not to provide these details now.
Tim Nicola
Lump sum required ($) Lump sum required ($)
Clear debts 0 0
eg mortgage, personal loans (It will be repaid (It will be repaid)
Funeral costs 15,000 15,000
Emergency fund 50,000 50,000
Capital needs 65,000 65,000
Income required (pa) 65,000 65,000
For how many years? 10 years 10 years
Childcare/education (pa)
For how many years?
Other funding (pa)
For how many years?
Income replacement
594,337 594,337
(lump sum required)
Investment property $ Investment property $
Direct shares $ Direct shares $

 Realisable financial assets Cash assets Cash assets

Superannuation $464,384 Superannuation $140,000
Other $ Other $

Home $ Home $
 Realisable lifestyle assets
Other $ Other $

Total cover required 194,953 519,337

 Existing cover retained
Additional cover required or
Amount of over-insurance

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TPD analysis
You do not have any TPD insurance needs. You choose not to provide these details now.
Tim Nicola
Lump sum required ($) Lump sum required ($)
Clear debts
0 0
eg mortgage, personal loans
Medical / lifestyle 100,000 100,000
Emergency fund 0 0
Recovery income 130,000 130,000
Capital needs 0 0
Income required (pa) 0 0
For how many years? 0 0
Childcare/education (pa) 0 0
For how many years? 0 0
Other funding (pa) 0 0
For how many years? 0 0
Income replacement
0 0
(lump sum required)
Investment property $ Investment property $
Direct shares $ Direct shares $

 Realisable financial assets Cash assets Cash assets $0

Superannuation $ Superannuation $
Other $ Other $

Home $ Home $
 Realisable lifestyle assets
Other $ Other $

Total cover required $230,000 $230,000

 Existing cover retained
Additional cover required or
Amount of over-insurance
Notes

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Trauma analysis
You do not have any trauma insurance needs. You choose not to provide these details now.
Tim Nicola
Lump sum required ($) Lump sum required ($)
Clear debts
eg mortgage, personal loans
Medical / lifestyle 100,000 100,000
Emergency fund
Recovery income
Capital needs 100,000 100,000
Income required (pa)
For how many years?
Childcare/education (pa)
For how many years?
Other funding (pa)
For how many years?
Income replacement
(lump sum required)
Investment property $ Investment property $
Direct shares $ Direct shares $

 Realisable financial assets Cash assets $ Cash assets $

Superannuation $ Superannuation $
Other $ Other $

Home Home $
 Realisable lifestyle assets
Other Other $

Total cover required 100,000 100,000

 Existing cover retained N/A N/A
Additional cover required or
100,000 100,000
Amount of over-insurance

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Income continuation analysis
You do not have any income protection needs. You choose not to provide these details now.
Income continuation analysis Tim Nicola
Occupation Sales Manger HR and Interior Design
Income 111,400 50,000
% of income to cover 75 75
Superannuation maintenance benefit 0 0
Total cover required (pa) 83,550 37,500
Less Nil Nil
Income not affected by disability Nil Nil
Existing cover
- Waiting Period N/A N/A
- Benefit period N/A N/A
Additional cover required (yearly) 83,550 37,500
Additional cover required (monthly) $6,963 3,125
Benefit period Age 65 Age 65
Waiting period 6 months 6 months

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 Notes

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Estate planning
This section captures any concerns you may have in relation to your estate planning needs. It helps me
understand some of the gaps you might currently have, what you would like to achieve and the level of
assistance that you need from myself or other parties, such as an estate planning specialist or your solicitor.

Wills
You do not have any estate planning needs. You choose not to provide these details now.
Tim Nicola
Do you have a Will? If yes, provide
Yes No Yes No
details:
 Last updated
 Name of Executor
 Is it up to date and reflects your
current wishes?
Yes No Yes No
eg have you remarried or
had more children?
Yes No Yes No
 Do you have a testamentary If yes, who is the trustee? If yes, who is the trustee?
trust provision?

Are you concerned about your

beneficiaries paying tax on Yes No Yes No
inherited assets?
Would you like information on how
Yes No Yes No
to manage this?
Would you like help with your
Yes No Yes No
estate planning needs?

Power of Attorney
Tim Nicola
Do you have a Power of Attorney?
Yes No Yes No
If yes, provide details:
 Type of Power of Attorney General Enduring General Enduring
 Who is the person named as
your Power of Attorney?
 Date of execution
Notes

All was completed last year so all remains appropriate not in scope of this advice

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Planner notes

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Appendix 2 - Investor risk profile summary
Your attitude to investment risk is a crucial factor in determining an appropriate investment strategy to meet
your needs. Investing is considered risky because there is uncertainty about how the investment will perform
over the short and long term. Different types of investments experience different levels of volatility. Negative
returns can happen at any time, so during periods of poor performance, remaining invested for the minimum
investment term will provide an opportunity for your portfolio to recover.
Here are the main approaches to investing, otherwise known as investment risk profiles.

Score Risk profile Description

Protection of capital or certainty of income is your only
Short duration objective. You do not wish to attain higher returns if your
N/A
(100% cash) capital is at risk

You are a defensive investor. You are willing to consider less

risky assets; mainly cash only and some fixed interest
Conservative investments. You are prepared to accept lower returns to
50 – 110
(25% growth) protect the value of your capital. The recommended minimum
investment term is 2 years.

You are a cautious investor seeking a combination of income

and growth, but risk must continue to be low. Therefore, you
will maintain a greater weighting to defensive assets within
Cautious your portfolio, but, will consider including some of the less
111 – 160 aggressive growth investments. Generally you are willing to
(40% growth)
chase improved short-term returns while accepting some,
limited short-term volatility. The recommended minimum
investment term is 3 years.

You are an investor seeking a combination of income and

growth from your investment portfolio. Generally, you are
willing to chase medium to long-term goals while accepting the
Moderately conservative risk of short to medium-term negative returns. Your investment
161 – 210 mix is likely to include an equal mix of the defensive assets and
(55% growth)
growth assets such as equities and property. The
recommended minimum investment term is 4 years.

You are a growth investor. You are willing to consider assets

with higher volatility in the short-term (such as equities and
Balanced property) to achieve capital growth over the medium to longer
211 – 260 term. Your investment mix will comprise a greater share of
(70% growth)
growth assets. The recommended minimum investment term
is 5 years.

You are a growth investor. Prepared to accept higher volatility

in the short to medium term, your primary concern is to
Moderately aggressive accumulate growth assets over the long term. Your investment
261 – 310 mix will spread across all asset sectors but will mainly consist
(85% growth)
of more aggressive investments. The minimum investment
term is 7 years.

Your primary objective is capital growth. You are an aggressive

growth investor and are prepared to compromise your portfolio
balance to pursue greater long-term returns. You are willing to
accept higher levels of risk. Fluctuation in capital is acceptable
Aggressive in the short-medium term for the greater potential for wealth
311 – 350
(100% growth) accumulation. With the exception of a minimal level of cash for
liquidity purposes, your investment mix will only consist of
growth assets such as international and domestic equities. The
minimum investment term is 7 years.

495567681.doc
Appendix 4 - Detailed household expenses
Amount per Annual Amount
Category Description Frequency
period $ $
Rent
Council rates
Water rates
Telephone / internet
Electricity / gas
Housing
Insurance (building contents)
Furniture / appliances
Maintenance
Other
Sub total
Food / groceries / household
Clothing / shoes
Medical / dental costs
Mobile phone
Personal
Adult education
Donations
Other
Sub total
Registration / insurance
Maintenance / repairs
Public transport / taxis
Transport Petrol
Parking
Other
Sub total
Holidays
Restaurants / outings
Sports / membership
Leisure Magazines / CDs / books
Gifts (Christmas etc)
Other
Sub total
Child care / school fees
Dependants Other
Sub total
Total
Notes (include drivers of discretionary expenses)

495567681.doc
Appendix 5 - Investment assets (eg shares, managed investments etc)
Description 1 2 3 4
Owner
Account number
Investment name
Investment options

Current market value ($)

Purchase date
Purchase price
Geared Yes No Yes No Yes No Yes No
Income reinvested Yes No Yes No Yes No Yes No
Regular savings ($ pa)
Regular drawdowns ($ pa)
Retain Yes No Yes No Yes No Yes No

Description 1 2 3 4
Owner
Account number
Investment name
Investment options

Current market value ($)

Purchase date
Purchase price
Geared Yes No Yes No Yes No Yes No
Income reinvested Yes No Yes No Yes No Yes No
Regular savings ($ pa)
Regular drawdowns ($ pa)
Retain Yes No Yes No Yes No Yes No
Notes:

495567681.doc
Appendix 6 - Superannuation assets
Description 1 2 3 4
Owner Tim Nicola
Account number 934870195 1231255
Fund / product name AMP FLS MLC Wrap
Investment options AMP Future Horizons 5
Directions
Balanced

Market value ($) 464,384 40,001

As at date 13 Jan 2017 13 JAn 2017
ESP start date
Taxable component ($) $430,510.93 38001
Tax-free component ($) $33,657.09 2000
Contributions - employer ($ pa) $12,789
Contributions - self-employed ($ pa) $5000
Contributions - salary sacrifice $4,567.56
Contributions - personal (after tax)
Contributions - spouse ($ pa)
Preserved amount $441,669.57
Unrestricted non-preserved amount $22,498.45
Death benefit cover ($) $160,513.16 NIL
 Premium ($ pm) $190.92
TPD benefit cover ($) $160,513.16 NIL
 Premium ($ pm) $157.92
Salary continuance ($ a month) $5,778.12 NIL
 Waiting period 6 months
 Benefit period 2 years
 Premium ($ pm) $208.20
Name of nominated beneficiaries Nicola 100%
Is nomination binding? Yes No Yes No Yes No Yes No
Retain Yes No Yes No Yes No Yes No
Notes

495567681.doc
Appendix 7 - Retirement income stream assets
Description 1 2 3 4
Owner
Account number
Investment name
Investment options

Type:
Allocated pension
Term allocated
Super annuity
Non-super annuity
ESP start date
Date purchased
Purchase price
Reversionary (automatic) Yes No Yes No Yes No Yes No
If yes, who is the reversionary?
Annual income ($)
Payment frequency
Tax free percentage (%) or tax
deductible amount
Taxable component ($)
Tax-free component ($)
100% 100% 100%
100% exempt
exempt exempt exempt
Centrelink asset test 50% exempt
50% exempt 50% exempt 50% exempt
Asset tested
Asset tested Asset tested Asset tested
Centrelink deductible amount ($)
Current balance (account based
super income streams only)
Lifetime Lifetime Lifetime Lifetime
Relevant no. / term (years) Life exp Life exp Life exp Life exp
Term Term Term Term
CPI CPI CPI CPI
Income indexation method Other: Other: Other: Other:
% % % %
Residual Capital Value
Retain Yes No Yes No Yes No Yes No
Notes

495567681.doc
Appendix 8 - Current insurance details
For insurance within superannuation, enter the name of the superannuation fund in policy owner. If you
have provided these details in the superannuation section, please make reference to this.

Insurance policies 1 2 3 4
Policy owner
Life insured
Insurance company
Policy number
Life cover ($)
 Premium ($) and frequency $ _______/ $ _______/ $ _______/ $ _______/
Stepped Stepped Stepped Stepped
 Premium type
Level Level Level Level
TPD cover ($)
 Premium ($) and frequency $ _______/ $ _______/ $ _______/ $ _______/
Stepped Stepped Stepped Stepped
 Premium type
Level Level Level Level
Any or own occupation Any Any Any Any
definition? Own Own Own Own
Crisis cover ($)
 Premium ($) and frequency $ _______/ $ _______/ $ _______/ $ _______/
Stepped Stepped Stepped Stepped
 Premium type
Level Level Level Level
Income protection monthly
benefit ($)
 Benefit period
 Waiting period
 Premium ($) and frequency $ _______/ $ _______/ $ _______/ $ _______/
Stepped Stepped Stepped Stepped
 Premium type
Level Level Level Level
Renewal date

Tim Nicola
When previously seeking
personal insurance, have any
personal health, lifestyle or Yes No Yes No
occupation issues affected the Not disclosed Not disclosed
insurance premium or policy
terms?
Standard health Standard health
If yes, how was the premium Declined or deferred Declined or deferred
payable affected or were there
Loaded Loaded
any special terms or
exclusions? Exclusion Exclusion
Not disclosed Not disclosed
Notes

495567681.doc