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PersonalFinancial Profile
CONFIDENTIAL
Customs HouseCorner Sydney & River Streets, MackayQLD 4740
P 07 4957 2572F 07 4957 2820
AFSL 222107 ABN 32 090 789 218
Financial Advice . Money Management
Personal
Privacy PolicyAlman Partners Pty Ltd is bound by the National Privacy Principles. Information you provide to us assists in the construction of a valuable first appointment with an Adviser.
Any information you provide to us will not be distributed in any way to a third party unless applicable in your situation to have advice from one of our internal or external service providers e.g. external providers, fund managers, insurance companies, mortgage brokers, insurance broker/internal providers, staff of Alman Partners.
AcknowledgementClient acknowledgement
I/We understand that adequate and relevant information must be provided to my Adviser to make reasonable recommendations upon which to base decisions. Information that has not been able to be conveyed via the Personal Financial Profile will be discussed at the initial meeting.
I/We also acknowledge to ensure detailed advice on specific areas (i.e. loans and insurance) that my information may be provided to an internal or external service provider for further recommendations. I also authorise my personal information to be provided to my spouse/partner.
Adviser acknowledgement
All information in this document is confidential and will be treated as such at all times. The information in this document may not be complete until further discussions at the initial meeting with the client/s.
Signature:
Name:
Self
Signature:
Date:
Partner
Surname
Maiden Name
Given Names
Preferred Name
Title
Sex
Date of Birth
Place of Birth
Marital Status
Employment Status
*Business Structure
Occupation
Qualifications
Employer Name
Employment Security
Previous Occupation
Self PartnerPersonal Details
Mr / Mrs / Miss / Ms / Dr / other:
Male Female Male Female
Single / Married / Divorced / Seperated /Defacto / Widowed
Full Time
Retired
Self Employed (see business structure*)
Part Time
Other
Full Time
Retired
Self Employed (see business structure*)
Part Time
Other
Proprietary Co.
Partnership
Discretionary Trust
Sole Proprietor
Unit Trust
Super Fund
Secure Unsecure Secure Unsecure
years yearsmonths months
years yearsmonths months
Child 1 Child 2 Child 3 Child 4Children’s Details
Full Name
Date of Birth
Sex
Needs: Education Plans
Signature:
Date:
Representative of Alman Partners Pty Ltd
Length of time in position
Length of time in position
Mr / Mrs / Miss / Ms / Dr / other:
Single / Married / Divorced / Seperated /Defacto / Widowed
Financial IssuesWhat specific financial areas would you like to discuss? (Please number in order of priority)
Wealth Accumulation
Retirement Planning
Tax Planning
Gearing
Existing Investments
Centrelink Benefits
Superannuation
Insurances e.g. Life/TPD/Trauma/Income Protection
Finance/Loan Structures/Loan Consolidation
Redundancy Planning
Estate Planning
Life Goals Achieving your most important goals based on your deepest held values = True Wealth.
What are the goals that are most important to you?
Self Partner
1.
2.
3.
4.
5.
Retirement / Financial IndependenceAt what age do you plan to retire or attain financial independence?
Once retired, what level of income would you require per annum?(in today’s dollars) Assume all debts paid.
Self Partner
$
If you had to rate your confidence from 1-10 of being able to make all of the financial decisions to give you the highest probability of achieving these goals, what would you rate yourself?
1 2 3 4 5 6 7 8 9 10Mostlikely
Leastlikely
Additional Information
1.
2.
3.
4.
5.
1 2 3 4 5 6 7 8 9 10Mostlikely
Leastlikely
Health1. How would you describe your health?
2. Do you or your partner smoke?
If you have ceased smoking, please indicate the date:
3. Do you have Private Health Cover? Yes No
Do you have a Will?
Date of Will
Executor
Enduring Power of Attorney
Testamentary Trust
Self PartnerEstate Planning
Have you considered intergenerational transfer of your assets to your children/grandchildren?
Yes No
Professional Details
How did you hear of Alman Partners?
Accountant’s Name:
Accountant’s Phone No.:
Solicitor’s Name:
Solicitor’s Phone No.:
Referred by: (name)
Yellow Pages Newspaper Radio TV Website Other
Never Previously Yes
Excellent Average PoorSelf:
Self: Never Previously YesPartner:
Excellent Average PoorPartner:
Partner:
Self:
FinancialYes No
Yes No Yes No
Yes No Yes No
Yes No Yes No
Savings / Budget
Self Partner
1. How much do you save regularly?
2. Are the expenses you have listed based on a tight or a comfortable budget?
3. Do you have any large capital expenses planned within the next 12 months? If yes, please give details.
4. Do you have any large capital expenses planned within the next 5 years? If yes, please give details.
5. EMERGENCY FUNDS How much of your cash funds would you like to maintain for emergency funds?
Company & Policy No.
Death CoverSum Insured
TPD CoverSum Insured
Premium &Frequency
PersonInsured
SuperY/N
Life Insurance
*TPD refers to a Total and Permanent Disablement Benefit whereby the cover is payable should the insured be confirmed as Totally and Permanently Disabled.
*Trauma Insurance covers a person who is subjected to a traumatic illness (e.g. stroke, heart attack, cancer, blindness, HIV, organ failure etc.).
Insurance
Trauma CoverSum Insured
Income Protection
Do you have any long service leave?
How many accumulated sick days do you have?
Do you have existing Income Protection Insurance?
If yes, what is your: Insurance Company
Policy No.
Monthly Benefit ($)
Term of Benefit (no. of years)
Waiting Period (days/weeks)
Self Partner
Annual Income
Employee Details
Gross Salary & Wages(before tax) ANNUAL
Self Employed DetailsTaxable Income for last 3 years
Centrelink Benefits
Total IncomeANNUAL
Year 1
Year 2
Year 3
Business ABN or Tax File Number
Australian Resident for Tax Purposes Yes No Yes No
ExpensesPlease do not include investment property or business expenses. For investment property and business expenses please provide the last financial statements (if available) or attach additional pages.
Car Registration
Car Service / Maintenance
Child Care
Child Maintenance
Clothing / Shoes / Personal Grooming
Council & Water Rates
Education (Books, Fees)
Electricity / Gas / Telephone
Entertainment
Gifts / Donations (Christmas, Birthday, Charities)
Groceries
Holidays
Home Maintenance
Insurance - Car(s)
Insurance - Contents / Personal Effects
Insurance - Home
Insurance - Income Protection
Insurance - Life
Medical & Dental Expenses
Pet Expenses (Vet Fees, Medicines, Registration)
Petrol
Private Health Cover
Rent
Sports / Hobbies (Membership, Equipment etc.)
Subscriptions (RACQ, Magazines etc.)
Superannuation (Personal Contributions, Salary Sacrifice)
Other
Living Expenses per annum
TOTAL
Amount per annum ($)
Description OwnerBank, BSB &
A/c No.Amount Owing ($)/Loan Limit
Monthly Repayments ($) Principal &Interest (P&I)
or Interest Only (IO)Actual
(How Much) Minimum
Interest Rate(% p.a.)
Fixed (F) or Variable (V)
ResidentialPropertyLoan
InvestmentPropertyLoan No. 1
InvestmentPropertyLoan No. 2
BusinessLoan
VehicleLoan No. 1
VehicleLoan No. 2
PersonalLoan
CreditCard
HirePurchase
Other
Liabilities
Assets
Property Assets
Address & Type of Property(e.g. Unit / House)
Owner
Purchase Price ($)
Current Value ($)
Rental Income& Frequency
Expenses for Investment Property(p.a.) (excluding loan repayments)
Purchase Date
Residential Property OtherInvestment Property 1 Investment Property 2 Business Premises
Name of Institution, BSB & A/c No. Owner
Bank a/c
Bank a/c
Term Deposit
Cash Accounts Current Value ($)
Super Fund Name
Owner
Insurance Attached(Y/N)
Current Value ($)
Account No.
Fund 1 Fund 2 Fund 3 SMSFSuperannuation
Type of Managed Fund / Shares(e.g. fully owned etc.)
Owner
Purchase Price ($)
Current Value ($)
Shareholder /Account No.Number ofShares / Units
Name of Fund Manager / Shares
Purchase Date
Managed Funds& Shares Fund/Share 1 Fund/Share 2 Fund/Share 3 Fund/Share 4 Fund/Share 5
Home Contents
Car 1
Car 2
Boat
Other
Description Current Value ($)OwnerPersonal Assets
Make Model
Make Model
Owner Market Value ($) Type of Fund Trustee Income Policy No.Retirement
Income Stream
Income Stream
Assets
Property Assets
Address & Type of Property(e.g. Unit / House)
Owner
Purchase Price ($)
Current Value ($)
Rental Income& Frequency
Expenses for Investment Property(p.a.) (excluding loan repayments)
Purchase Date
Residential Property OtherInvestment Property 1 Investment Property 2 Business Premises
Name of Institution, BSB & A/c No. Owner
Bank a/c
Bank a/c
Term Deposit
Cash Accounts Current Value ($)
Super Fund Name
Owner
Insurance Attached(Y/N)
Current Value ($)
Account No.
Fund 1 Fund 2 Fund 3 SMSFSuperannuation
Type of Managed Fund / Shares(e.g. fully owned etc.)
Owner
Purchase Price ($)
Current Value ($)
Shareholder /Account No.Number ofShares / Units
Name of Fund Manager / Shares
Purchase Date
Managed Funds& Shares Fund/Share 1 Fund/Share 2 Fund/Share 3 Fund/Share 4 Fund/Share 5
Home Contents
Car 1
Car 2
Boat
Other
Description Current Value ($)OwnerPersonal Assets
Make Model
Make Model
Owner Market Value ($) Type of Fund Trustee Income Policy No.Retirement
Income Stream
Income Stream
ExpensesPlease do not include investment property or business expenses. For investment property and business expenses please provide the last financial statements (if available) or attach additional pages.
Car Registration
Car Service / Maintenance
Child Care
Child Maintenance
Clothing / Shoes / Personal Grooming
Council & Water Rates
Education (Books, Fees)
Electricity / Gas / Telephone
Entertainment
Gifts / Donations (Christmas, Birthday, Charities)
Groceries
Holidays
Home Maintenance
Insurance - Car(s)
Insurance - Contents / Personal Effects
Insurance - Home
Insurance - Income Protection
Insurance - Life
Medical & Dental Expenses
Pet Expenses (Vet Fees, Medicines, Registration)
Petrol
Private Health Cover
Rent
Sports / Hobbies (Membership, Equipment etc.)
Subscriptions (RACQ, Magazines etc.)
Superannuation (Personal Contributions, Salary Sacrifice)
Other
Living Expenses per annum
TOTAL
Amount per annum ($)
Description OwnerBank, BSB &
A/c No.Amount Owing ($)/Loan Limit
Monthly Repayments ($) Principal &Interest (P&I)
or Interest Only (IO)Actual
(How Much) Minimum
Interest Rate(% p.a.)
Fixed (F) or Variable (V)
ResidentialPropertyLoan
InvestmentPropertyLoan No. 1
InvestmentPropertyLoan No. 2
BusinessLoan
VehicleLoan No. 1
VehicleLoan No. 2
PersonalLoan
CreditCard
HirePurchase
Other
Liabilities
Savings / Budget
Self Partner
1. How much do you save regularly?
2. Are the expenses you have listed based on a tight or a comfortable budget?
3. Do you have any large capital expenses planned within the next 12 months? If yes, please give details.
4. Do you have any large capital expenses planned within the next 5 years? If yes, please give details.
5. EMERGENCY FUNDS How much of your cash funds would you like to maintain for emergency funds?
Company & Policy No.
Death CoverSum Insured
TPD CoverSum Insured
Premium &Frequency
PersonInsured
SuperY/N
Life Insurance
*TPD refers to a Total and Permanent Disablement Benefit whereby the cover is payable should the insured be confirmed as Totally and Permanently Disabled.
*Trauma Insurance covers a person who is subjected to a traumatic illness (e.g. stroke, heart attack, cancer, blindness, HIV, organ failure etc.).
Insurance
Trauma CoverSum Insured
Income Protection
Do you have any long service leave?
How many accumulated sick days do you have?
Do you have existing Income Protection Insurance?
If yes, what is your: Insurance Company
Policy No.
Monthly Benefit ($)
Term of Benefit (no. of years)
Waiting Period (days/weeks)
Self Partner
Annual Income
Employee Details
Gross Salary & Wages(before tax) ANNUAL
Self Employed DetailsTaxable Income for last 3 years
Centrelink Benefits
Total IncomeANNUAL
Year 1
Year 2
Year 3
Business ABN or Tax File Number
Australian Resident for Tax Purposes Yes No Yes No
Health1. How would you describe your health?
2. Do you or your partner smoke?
If you have ceased smoking, please indicate the date:
3. Do you have Private Health Cover? Yes No
Do you have a Will?
Date of Will
Executor
Enduring Power of Attorney
Testamentary Trust
Self PartnerEstate Planning
Have you considered intergenerational transfer of your assets to your children/grandchildren?
Yes No
Professional Details
How did you hear of Alman Partners?
Accountant’s Name:
Accountant’s Phone No.:
Solicitor’s Name:
Solicitor’s Phone No.:
Referred by: (name)
Yellow Pages Newspaper Radio TV Website Other
Never Previously Yes
Excellent Average PoorSelf:
Self: Never Previously YesPartner:
Excellent Average PoorPartner:
Partner:
Self:
FinancialYes No
Yes No Yes No
Yes No Yes No
Yes No Yes No
Privacy PolicyAlman Partners Pty Ltd is bound by the National Privacy Principles. Information you provide to us assists in the construction of a valuable first appointment with an Adviser.
Any information you provide to us will not be distributed in any way to a third party unless applicable in your situation to have advice from one of our internal or external service providers e.g. external providers, fund managers, insurance companies, mortgage brokers, insurance broker/internal providers, staff of Alman Partners.
AcknowledgementClient acknowledgement
I/We understand that adequate and relevant information must be provided to my Adviser to make reasonable recommendations upon which to base decisions. Information that has not been able to be conveyed via the Personal Financial Profile will be discussed at the initial meeting.
I/We also acknowledge to ensure detailed advice on specific areas (i.e. loans and insurance) that my information may be provided to an internal or external service provider for further recommendations. I also authorise my personal information to be provided to my spouse/partner.
Adviser acknowledgement
All information in this document is confidential and will be treated as such at all times. The information in this document may not be complete until further discussions at the initial meeting with the client/s.
Signature:
Name:
Self
Signature:
Date:
Partner
Surname
Maiden Name
Given Names
Preferred Name
Title
Sex
Date of Birth
Place of Birth
Marital Status
Employment Status
*Business Structure
Occupation
Qualifications
Employer Name
Employment Security
Previous Occupation
Self PartnerPersonal Details
Mr / Mrs / Miss / Ms / Dr / other:
Male Female Male Female
Single / Married / Divorced / Seperated /Defacto / Widowed
Full Time
Retired
Self Employed (see business structure*)
Part Time
Other
Full Time
Retired
Self Employed (see business structure*)
Part Time
Other
Proprietary Co.
Partnership
Discretionary Trust
Sole Proprietor
Unit Trust
Super Fund
Secure Unsecure Secure Unsecure
years yearsmonths months
years yearsmonths months
Child 1 Child 2 Child 3 Child 4Children’s Details
Full Name
Date of Birth
Sex
Needs: Education Plans
Signature:
Date:
Representative of Alman Partners Pty Ltd
Length of time in position
Length of time in position
Mr / Mrs / Miss / Ms / Dr / other:
Single / Married / Divorced / Seperated /Defacto / Widowed
Personal
PersonalFinancial Profile
CONFIDENTIAL
Customs HouseCorner Sydney & River Streets, MackayQLD 4740
P 07 4957 2572F 07 4957 2820
AFSL 222107 ABN 32 090 789 218
Financial Advice . Money Management