7 steps to wealth workbook

7 STEPS TO WEALTH WORKBOOK

INVEST DIFFERENT

custodian.com.au

CUSTODIAN WealthBuildersINVEST DIFFERENT

Your 7 Steps to Wealth WorkbookPRIVATE AND CONFIDENTIAL

Prepared exclusively for: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

By: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Date: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

INVEST DIFFERENT


Proven Success

Our history and performance is unmatched, not just because we have been doing it longer . It’s because we “wrote the book” on property investment, 7 Steps to Wealth, now in its 7th edition and read by over 150,000 Australians . The overall strategy has never changed . We have been often duplicated but never replicated and we encourage you to research and evaluate us – we feel confident you will discover our uniqueness . Custodian has stood the test of time, for almost 20 years in the property industry, with more than 3,407 clients’ owning more than 8,269 properties . A massive 38% of our clients have two or more investments, which is seven times the national average of Australians who own investment property – ask yourself why? We have offices throughout Australia and a team of professionals dedicated to helping others achieve their financial goals .

Custodian is a fully integrated property and financial services group that has helped create more than 704 millionaires, (clients who own four properties or more as at March 2015 with case studies to support it) . We provide unparalleled ongoing educational and mentor programs supported by factual current data and resources that help our clients stay focused, on track and up to date with the markets to make informed decisions about their investment strategies .

Specialising in: loan structuring, debt reduction, investment property and portfolio management, property research, tax minimisation, de-risk management, superannuation (including self-managed superannuation), life insurance and estate planning .

Our finance arm, Investloan, has been operating since 2000 and is a certified member of the MFAA and has written more than $2 .1 billion in investment loans . Custodian is a proven and trusted brand like no other, but the litmus test for trust is if things go wrong, Custodian is there for our clients, ensuring they are “de-risked” and their cash flow is maintained by providing an ongoing commitment to our clients .

Our head office was built in 1996, home to over 80 staff, many of them active wealth builders, owning more than 124 properties combined and many who have been with the company for over 15 years .

Giving back…for more than 25 years our company has championed youth at risk, providing four schools throughout Australia . Donating more than $11 million myself and key staff work with full-time educators and psychologists to help 700 young Australians “be all they can be” . It’s our intent…it’s in our DNA .

Enjoy the journey,

John Fitzgerald CEO, Custodian

One of the key questions when you are investigating investment options is: Who are we dealing with? Are they reputable? Will they give us straightforward advice? Do they have a proven performance history? … and perhaps more importantly, will they still be around tomorrow?

There is no other group like Custodian


What’s M .A .D? (Made a difference)

Your M .A .D . (Made A Difference) Point was:

Let us cover the key points you were requesting additional information and further understanding on .

NUMBERS

Rule of 72 Empirical Data

Loan Value Ratio Bank Valuations

Debt Service Ratio Cash Flow

Investment Capacity Market Statistics

STRATEGY

Compound Growth Location Criteria

Growth vs Income Structure Options

Timing Cycles Land Content

Established Capital Benchmark

MINDSET

Goal Setting

Visualisation

Mistakes Investors Make


Getting to know us and how we may help you

Identify your individual needs, goals and resources

Evaluate your current position

Identify the best strategy

Start with the end in mind

STEP ONE: Today’s Appointment

Date: / /

Our Proven Program - 7 Steps to Wealth

STEP TWO: Next Appointment

Date: / / Time:

1

2At this meeting you will meet and interact with your Investment Strategists and Property Specialists to analyse and evaluate:

q How you can achieve your retirement income goals

q How you can own your home sooner

q How much tax you can save

q How to de-risk your portfolio

q Which investment option is best for you

q The next step – getting started


What is your motivation?

What are your financial goals?

What concerns do you have?

What is your current plan?

What are your goals?Ask yourselves:Do we feel 100% confident that we will be financially secure in retirement? If the answer is “No” don’t worry, you are perfectly normal .

96% of people don’t .

So, while most of us know where we would like to be going, we have no actual strategy of how we are going to get there - until NOW . . .

A few questions to get you thinking...


Income Required in Retirement

$ X at % Return p.a.

Retirement Fund Required = (B)

Superannuation

Shares / Managed Funds

Investment Property Equity (Value - Debt)



Savings

Other

Subtract Current Home Debt

$______________________

$______________________

$______________________

$______________________

$______________________

$______________________

$______________________

$______________________

$______________________

$

Your Current Assets (A)

Contribution Range Per Week $ to $

Clients With A Shortfall:

Shortfall / Surplus (B) - (A) = (C)

OPTIONS TO CONSIDER Superannuation Shares Property Bank Speculation Other

Shortfall Total (C) $ Divide by years left to work

Shortfall Per Year $

Shortfall Per Week $

$

Where are you at? And more importantly where are you going?


If you could use your lost tax dollars to help pay for retirement would you?Individual Income Tax Rates

From To Tax $0 $18,200 Nil $18,201 $37,000 21% $37,001 $80,000 34 .5% $80,001 $180,000 39% $180,001 Over 49%

How much tax will you pay before retirement?

Taxable

Income p.a.

Years until Retirement1 Year 10 Years 20 Years 30 Years

$70,000 $15,697 $193,706 $493,768 $938,480 $90,000 $23,046 $281,847 $702,079 $1,316,561

$100,000 $26,946 $326,556 $806,874 $1,515,471 $120,000 $34,746 $415,974 $1,023,987 $1,927,212 $140,000 $42,546 $505,605 $1,254,813 $2,352,666 $160,000 $50,346 $601,595 $1,495,624 $2,788,104

Tax Scales: Post July 2014 (Including Medicare levy @ 2%) Inflation rate: 3%

JAN FEB MAR APR

MAY JUN JUL AUG

SEP OCT NOV DEC

Do you realise the average Australian has to work almost ONE THIRD of the year just to pay the Tax Department?


A

BWhere you are now

Where you need to be

The Journey from A to B


Building Wealth through Compound Growth

The Custodian Strategy

Invest in Four Properties - 7 Years

Assuming 8% p .a . Capital Growth

Year 12 - Net Assets $2,360,000

Positive Income $56,400 p .a .

Year 1 Year 3 Year 5 Year 7 Year 12

THE RULE OF 72 is a mathematical formula used to calculate the time an investment will take to double. Simply divide 72 by the growth rate e.g. 7.2% p.a. means your investment will double in value in 10 years.


House vs. Unit

New vs. Old

Growth

Cash flow

What?

“�Compound�growth�is�a�financial�miracle.�I’ve�never�even�seen�most�of�my�properties.�

I�am�only�interested�in�one�thing�-�will�this�property�allow�me�to�access�compound�growth?”

- John Fitzgerald

Buildings Depreciate Land

Appreciates


Where?

Property Value

Supply & Demand

Population

Migration

Jobs

Capital Investment


Using property cycles for leverage

When?

Tomorrow (noun): A mythical land where 99% of all human productivity, motivation and achievement is stored.


A personally tailored strategy for your future.

YOUR FINANCIAL HEALTH CHECKIn order to improve your future financial situation we recommend you begin by being aware of the need to have a proven strategy to improve your current and future financial position .

Only at that point, can we analyse your goals and objectives more accurately for a rewarding outcome . This strategy should only be completed by a qualified professional .

YOUR FINANCE STRUCTURING AND DEBT REDUCTION STRATEGIESThere is a wide range of different financial structures available . Most people are given advice, structures and interest rates that best suit the banks, or the leading institutions and are not tailored to clients specific circumstances . This is where we will show you the latest in property research and financial options . This will develop your understanding of how a leveraged investment property can reduce your tax and create a pathway to pay off your home loan sooner and achieve your financial goals now and into the future .

YOUR DE-RISK MANAGEMENT STRATEGYWe are all exposed to various elements of risk in our life . Custodian will show you how to de-risk your exposure, that’s what really matters! Safety nets are created for one reason, and that is to protect you, so you have peace of mind .

YOUR RETIREMENT STRATEGIESVisions of retirement in today’s current climate, vary from person to person . From simply maintaining your existing lifestyle, without having to work, to relaxing full-time to part time, travelling Australia or even the world . We want to create a position of choice, so you can have the lifestyle that you want and deserve, without financial restraints .

John Fitzgerald

CEO, Custodian

The Custodian Strategy

Your Current PositionNAME NAME

DOB: / / Marital Status: DOB: / / Marital Status:

Address:

How Long? Rent Paid (If renting)

Phone: Mob: Mob:

Email:

CURRENT EMPLOYER: CURRENT EMPLOYER:

Occ: How Long? Occ: How Long?

PREVIOUS EMPLOYER: PREVIOUS EMPLOYER:

Occ: How Long? Occ: How Long?

Casual / Part-time / Permanent / Contract / Self-employed? Casual / Part-time / Permanent / Contract / Self-employed?

INCOME $ INCOME $

Comm/Bonus $ Salary Sacrifice $ Comm/Bonus $ Salary Sacrifice $

Completed

Tax Returns: 13/14 $ 14/15 $

Completed

Tax Returns: 13/14 $ 14/15 $

Dependants’ Ages: Family Allowance $ Child Support Payments $

ASSETS Value Year Purchased Rent Owner ASSETS Value Fund

Home $ Super 1 $

Inv Property $ Super 2 $

Inv Property $ Shares $

Inv Property $ Savings $

TOTAL $ TOTAL $

LIABILITIES Balance Limit Lender Type Fixed/Var Rate % Monthly Repayments

Home Loan $ $

Inv Prop $ $

Inv Prop $ $

Pers Loan $ $

Other $ $

Credit Card $ $

Credit Card $ $

$ $

TOTAL $ $

Are there any other loans against family home?

Do you have any unpaid/paid credit defaults from the last 5 years?

Have you ever been bankrupt? If Yes, year discharged?

Weekly Contribution Range $ Retirement Income Goal p.a. $

NOTE: THIS IS NOT AN APPLICATION FOR FINANCE

I/We authorise release of the information contained herein to such parties as are necessary to assess and provide recommendations provided that such information is treated as confidential and restricted to parties affiliated with JLF Group of Companies & indemnify JLF Group of Companies against any consequential loss. THIS IS NOT AN APPLICATION FOR FINANCE

Signature/s: __________________________________________________________________ _______________________________________________________________________

Consultant name: ______________________________________________________________ Date: __________ /__________/__________

Yes No

Yes No

Yes No


2015 Calendar

29

5

12

19

26

2

30

6

13

20

27

3

31

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

3

10

17

24

31

7

4

11

18

25

1

8

JANUARY

26

2

9

16

23

2

27

3

10

17

24

3

28

4

11

18

25

4

29

5

12

19

26

5

30

6

13

20

27

6

31

7

14

21

28

7

1

8

15

22

1

8

FEBRUARY

23

2

9

16

23

30

24

3

10

17

24

31

25

4

11

18

25

1

26

5

12

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26

2

27

6

13

20

27

3

28

7

14

21

28

4

1

8

15

22

29

5

MARCH

30

6

13

20

27

4

31

7

14

21

28

5

1

8

15

22

29

6

2

9

16

23

30

7

3

10

17

24

1

8

4

11

18

25

2

9

5

12

19

26

3

10

APRIL

27

4

11

18

25

1

28

5

12

19

26

2

29

6

13

20

27

3

30

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

3

10

17

24

31

7

MAY

1

8

15

22

29

6

2

9

16

23

30

7

3

10

17

24

1

8

4

11

18

25

2

9

5

12

19

26

3

10

6

13

20

27

4

11

7

14

21

28

5

12

JUNE

29

6

13

20

27

3

30

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

3

10

17

24

31

7

4

11

18

25

1

8

5

12

19

26

2

9

JULY

27

3

10

17

24

31

28

4

11

18

25

1

29

5

12

19

26

2

30

6

13

20

27

3

31

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

AUGUST

31

7

14

21

28

5

1

8

15

22

29

6

2

9

16

23

30

7

3

10

17

24

1

8

4

11

18

25

2

9

5

12

19

26

3

10

6

13

20

27

4

11

SEPTEMBER

12

5

12

19

26

2

29

6

13

20

27

3

30

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

3

10

17

24

31

7

4

11

18

25

1

8

OCTOBER

9

2

9

16

23

30

27

3

10

17

24

1

28

4

11

18

25

2

29

5

12

19

26

3

30

6

13

20

27

4

31

7

14

21

28

5

1

8

15

22

29

6

NOVEMBER

7

7

14

21

28

4

1

8

15

22

29

5

2

9

16

23

30

6

3

10

17

24

31

7

4

11

18

25

1

8

5

12

19

26

2

9

6

13

20

27

3

10

DECEMBER

Australia Day Monday 26 JanuaryCanberra Day Monday 9 March (ACT)Good Friday Friday 3 AprilEaster Saturday Saturday 4 AprilEaster Monday Monday 6 AprilAnzac Day Saturday 25 April

Western Australia Day Monday 1 JuneQueen's Birthday Monday 8 June (except WA)Picnic Day Monday 3 August (NT)Family & Community Day Monday 28 September (ACT)Queen’s�Birthday� Monday�28�September�(WA)Labour Day Monday 5 October (ACT, NSW, QLD)

Melbourne�Cup� Tuesday�3�November�(VIC)Christmas Day Friday 25 DecemberBoxing Day Saturday 26 DecemberAdditional Day Monday 28 DecemberNew�Year’s�Eve� Thursday�31�December

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S

M T W T F S S


Card Number:

Expiry Date: CCV:

Name on Card: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Signature: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Name of Client/s Date: / /

We estimate our commitment to you in terms of report preparation, presentation and inspection to be between 20-30 hours . Given that level of commitment from our team, we ask in good faith for all clients to tick the following points before work commences .

I/We indicate in principle, that we are happy with the manner in which Custodian has presented so far and they have explained the further steps in the process .

I/We understand that we are requesting an appointment for further finance and property information .

I/We require guidance for a secure financial future and confirm this as the reason for the appointment requested .

I/We understand in general that I/we need to allow a full day for the various consultations .

I/We appoint Custodian to provide information, education and to advise on investment strategies that will assist in achieving our goals, as discussed and documented in this booklet .

I/We will provide Custodian with all personal and financial information that they reasonably require to provide strategies to me/us at that time and understand that if I/we do not provide complete and accurate information, their advice may not be suitable for my/our circumstances .

On signing this agreement, I/We agree to pay Custodian subject to our client satisfaction commitment a non refundable fee

of $ for these services and consultations .

Contact Name: Contact Number:

ARRIVAL DATE / / Return airfares included (if required)

Return courtesy transportDEPARTURE DATE / /

OFFICE VISIT DATE / /

Custodian | 7027 Southport-Nerang Road, Nerang, QLD 4211 | 1800 174 999 | booking@custodian .com .au

Booking Confirmation

Cash $ Credit card $ Mastercard Visa

Custodian satisfaction commitment: For your commitment to us we offer our commitment to you . If at the end of your day, and after completing our entire investigation process, you did not find the information or strategy provided to be beneficial whatsoever to make an informed decision, Custodian will gladly refund the total amount paid .

OPTION A Weekend appointment within 14 days $350 per couple (interstate)

OPTION B Mid week appointment within 14 days $150 per couple


You may have some questions about how the travel will be arranged… who will contact you, what you should take, where you’ll be staying, exactly what happens when you get there… will there be any other costs … what family, friends and work colleagues will think when you tell them what you’re doing? They are all great questions that we hope we will address and more … After all, you’ve had the foresight to make the effort to invite us to further explain the Custodian 7 Steps to Wealth program and give you more information! At the very least, this will be an exciting and enjoyable journey of discovery .

Your travel arrangementsOn the next business day after this visit, our Client Concierge Team will call you to ensure that we have accurate information regarding your individual situation . This call will only take a couple of minutes . They will also confirm all flight, accommodation and transportation details for you .

Your investment strategy consultationUpon arrival at our office you will meet with a Investment Strategist to discuss your personal financial goals and identify the best strategy to achieve them .

If you feel 100% comfortable with the strategy developed and after looking at various property options you find an investment property that suits your situation, you will be offered the opportunity to secure the property for up to 21 days to conduct your own further due diligence and seek advice from an independent solicitor, with no cost or obligation to you .

Your individual questions, concerns and ‘what if scenarios’ will be addressed, with the objective being to empower you, through education, to make an informed decision about your financial future .

What happens next?

Frequently Asked QuestionsAm I/we under any obligation?No: Where you choose to go from here is up to you . It depends entirely on what you discover within that investment strategy consultation . You may find a whole new world of opportunity and options you had never known about or considered, or you may find you are not quite in a position to take advantage of these opportunities yet . However, at the very least you will have all the information you need to make an educated, informed decision . It’s all about information, how you use that information and knowledge is completely up to you .

If my circumstances change prior to my office visit, who do I contact? Please contact the Brisbane (Head Office) Mon – Fri on Ph: 1800 095 288.

Will the fee which I/we have paid, be the only fee I/we am/are committed to?Yes! Your only obligation is to:

1 . Provide the documents required on the checklist .

2 . Comply with the necessary travel arrangement .


You are under no obligation whatsoever . As a Custodian consultant, my specific task is to introduce you to our client program . I am not a licensed Financial Planner or Accountant and as such I am not in a position to give you any financial or legal advice . I am however, able to draw your attention to the following:

• The Custodian program;

• An estimate of your current financial position based on information provided by you;

• Helping you understand your future needs, goals and objectives;

• Any hazards, obstacles or issues that may be encountered: and

• Helping you complete our client questionnaire and preparation of your personalised success strategy .

Based on our past successes I believe that by exploring the Custodian Client Program you are making proactive steps to securing your financial future .

1 . As a Custodian Consultant, I am not a licensed Financial Planner and hence cannot give you specific advice regarding the commercial viability of a particular transaction .

2 . As a Custodian Consultant, I have knowledge about the Custodian “7 Steps to Wealth” philosophy and the process for achieving compound growth over the long term .

3 . As a Custodian Consultant, I am/am not the holder of a Real Estate Agent’s license and hence can/cannot act as an agent in any property transaction .

4 . The Competition and Consumer Act contains statutory laws and regulation for the protection of consumers associated with the promotion of residential property . We will abide by these laws but also suggest that you are familiar with your rights and obligations at law .

5 . If you elect to invest through Custodian, statutory and other costs may apply .

6 . We recommend that you seek independent legal, accounting and financial advice regarding any investment strategy, to suit your individual circumstances .

I/WE CONFIRM THAT I/WE HAVE READ AND UNDERSTAND THIS INFORMATION .

Client 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Client 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Signature . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Date . . . . ./ . . . . . / . . . . . . .

Disclosure Statement


1. TODAY: Please provide the ✱ highlighted information

2. On or before your investment strategy please bring all other additional information

This information is held in confidence under the privacy act. It is important that we receive the above listed documentation or copies, in order to provide the optimal mix of financial strategies personalised to your circumstances.

What to bring - Clear copies or originals

Identification Client 1 2 Who By when

One document from the list below· Current Drivers Licence * ■ ■ ■ ■· Current Passport ■ ■ ■ ■· Other form of Photo Identification ■ ■ ■ ■

One document from the list below ■ ■ ■ ■· Credit Card ■ ■ ■ ■· Birth Certificates ■ ■ ■ ■

Loan Statements/other ■ ■ ■ ■Credit Card Statement - for all Credit Cards held, including Interest ■ ■ ■ ■Free Cards such as Buyers Edge, GO, Etc (Most recent consecutive 6 months)

Personal / Car Loan Statements (Statement - last 6 months & copy of original contract) ■ ■ ■ ■Lease (Vehicle) Statements (Copy of contract and most recent Statement) ■ ■ ■ ■ ■ ■ ■ ■Rates Notice (Most recent for all properties, including existing investment properties) ■ ■ ■ ■

If on PAYG Income ■ ■ ■ ■Last Group Certificates (if employed for less than 12 months) ■ ■ ■ ■

If Self Employed

■ ■ ■ ■Current Profit & Loss Statement ■ ■ ■ ■

If on Centrelink IncomeCentrelink Family Assistance Payment Statements ■ ■ ■ ■(Parenting / Family Allowance - Showing Parts A & B) ■ ■ ■ ■

Any SuperannuationAll superannuation statements (Past and present showing all current balances) ■ ■ ■ ■

✱ Current Drivers Licence

✱ Medicare Card

✱ 2 latest payslips

✱ Latest Home / Investment Loan Statements

✱ Latest Rental Income Verification Statements

✱ Last 2 years Tax Returns for Business & last 2 years Personal Tax Returns for each party (Including Tax Assessment Notices)


NT9

TAS

QLD675

NSW973

VIC

ACT

1102

SA95

WA

NT 9

TAS 18

18

194

QLD 675

NSW 973

VIC - 1102

SA 95

3,407

WA 341

341

Clients by State* as at 01/03/2015 (subject to change)

3,407Clients by State* as at 01/03/2015 (subject to change)

If you are looking to invest, take a long, hard look at what Custodian offers . We’ve had both personal and financial growth . When you’re surrounded by good people, you can see life is good . You’ll be in touch with all the right people throughout the investment process . We recommend them with absolute confidence .

- Grant & Lisa, NSW

Unfortunately we weren’t in a position to invest, but we really appreciated your honesty . It’s nice to know there’s at least one company out there that gives you straightforward information . We will definitely use Custodian when our financial situation changes .

- Sue and Jason, Victoria

We thought we knew it all, armchair experts! But we soon realised that we only had bits and pieces of information, some of which was completely wrong . A word of wisdom, go through the full learning and investigation process - you will be pleasantly surprised .

- Robyn and Robert, New South Wales

What started out as a nervous and apprehensive step soon turned out to be a very pleasant, informative and enjoyable experience .

- Brad, South Australia

We really enjoyed the day . The information was invaluable and all your staff were friendly . At first we were worried we would be hassled to buy . It was refreshing not to be put under that pressure . Thank you .

- Dick and Anne, Queensland

What our clients are saying


“ No matter what stage of life you are at, by setting goals now and planning ahead, you can be prepared for any opportunities and obstacles that may present themselves along the way...”

Financial security is not a matter of choice, it’s a matter of necessity . “The roads leading to financial security and financial insecurity travel in opposite directions .”

The five main reasons why people do not become financially independent:

1 . They could have but started too late in their working life to achieve the desired result - it’s called “procrastination” .

2 . They did not achieve sufficient return from their investments .

3 . Their efforts were reduced by outside influences such as taxation and inflation .

4 . They did not save effectively to fund their necessary investments .

5 . Doubts, worry and over-caution all of which are just unanswered questions .

Don’t become a statistic

We hope the information and strategies discussed were interesting and informative . It’s all about getting the right information . That’s the key point . And what holds some people back is making the commitment to gather all the information . The usual mistake is making a decision based on only part of the information . Generally, when we have all the information at hand decision-making is easy, it either suits us or it doesn’t, it’s that simple . We have absolute confidence that by joining us in the next step of your educating and investigating process you will increase your knowledge and ability to be among those Australians who achieve their financial goals .

Important Information


Yes! We feel confident in recommending Custodian to friends, colleagues and family.

Your Name: . . . . . . . . . . . . . . . . . . . . . . . . . . . . Consultant’s Name: . . . . . . . . . . . . . . . . . . . . .

Referral Name: . . . . . . . . . . . . . . . . . . . . . . . . . . Area: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Contact Number (M): . . . . . . . . . . . . . . . . . . . . . Other: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Age: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Married? Yes No

Relationship to you: . . . . . . . . . . . . . . . . . . . . . . Occupation: . . . . . . . . . . . . . . . . . . . . . . . . . . .

Reason for suggesting them?: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Your Name: . . . . . . . . . . . . . . . . . . . . . . . . . . . . Consultant’s Name: . . . . . . . . . . . . . . . . . . . . .

Referral Name: . . . . . . . . . . . . . . . . . . . . . . . . . . Area: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Contact Number (M): . . . . . . . . . . . . . . . . . . . . . Other: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Age: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Married? Yes No

Relationship to you: . . . . . . . . . . . . . . . . . . . . . . Occupation: . . . . . . . . . . . . . . . . . . . . . . . . . . .

Reason for suggesting them?: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Tell a friend


Please note them down so they can be explained clearly . Hopefully at this stage you will have many questions . That’s good . It’s finding the answers to your questions that’s going to set you on the path to achieving your goals .

If you have any questions

Please remember to bring this 7 Steps Workbook to your next meeting .

Questions are good as they overcome assumptions

Custodian is committed to the highest standards of conduct in all dealings with clients while exceeding expectations in compliance and regulatory standards.

INVEST DIFFERENT

National Head Office

(Gold Coast), Queensland

Custodian House,

7027 Southport-Nerang Road,

Nerang, QLD 4211

E info@custodian .com .au

P (07) 5527 4999

F (07) 5527 4955

Brisbane

172 Robertson Street,

Fortitude Valley, QLD 4006

E qld@custodian .com .au

P (07) 3831 4135

F (07) 3831 4262

Sydney

213 Miller Street

North Sydney, NSW 2060

E nsw@custodian .com .au

P (02) 8904 0555

F (02) 8904 0499

Melbourne

100 Dorcas Street,

South Melbourne, VIC 3205

E vic@custodian .com .au

P (03) 9699 4955

F (03) 9699 6233

Take the journey...

Custodian

custodian.com.au

ACN 103 919 955

Investloan

investloan.com.au

ACN 091 258 703

Custodian Financial Planning

custodianfinancialplanning.com.au

ACN 089 011 361

7 steps to wealth workbook

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