Secure a brighter future<Adviser’s Name>

<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future<Adviser’s Name>

<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future<Adviser’s Name>

<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

Secure a brighter future<Adviser’s Name>

<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

My Name Financial

Secure a brighter future<Adviser’s Name>

<Adviser name> is an Authorised Representative of RI Advice Group Pty Ltd

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Disclaimer

Important Notice

RI Advice Group Pty Ltd, ABN 23 001 774 125, holds Australian Financial Services Licence Number 238429 and is licensed to provide financial product advice and deal in financial products such as: deposit and payment products, derivatives, life products, managed investment schemes including investor directed portfolio services, securities, superannuation, Retirement Savings Accounts.

The information presented in this seminar is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. RI Advice Group strongly suggests that no person should act specifically on the basis of the information contained herein but should obtain appropriate professional advice based on their own circumstances.

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Agenda

• Have a plan

• Our credentials

• How we can assist you

• How we work with you

• The future is uncertain

• Benefits of using a qualified financial adviser

• Take control of your financial future

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Have a plan

What is financial security?• Having control of your finances so you can enjoy other aspects of your life

• Making conscious, informed decisions about how your income is to be used

• Managing current finances to provide for and protect future needs

• Deciding how much you are willing to risk to gain a desired return on your investments

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Have a plan

Life expectancy continues to increase

Source: Australian Bureau of Statistics. Deaths, Australia (3302.0)

40455055606570758085

1881

-90

1901

-10

1932

-34

1953

-55

1965

-67

1976

1982

1984

1986

1988

1990

1992

1994

1996

1998

2000

2002

Yea

rs

Male Female

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How much money will you need in retirement?

• A rule of thumb is 60% of your salary before retirement!

• To receive $40,000p.a. you may need to accumulate approx. $800,000^ by the time you retire!

The Age Pension won’t be enough

• For singles - $16,010 p.a.

• For couples - $24,138 p.a.

^ $40,000 * 20 years

Source: Centrelink valid to 19 March 2010

Be prepared

NOTE: Age pension rates are exclusive of the pension supplement. Some age pensioners will be assessed under transitional rules.

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Our credentials

• Experienced

– Over 25 years experience

– Over 80,000 clients

– Over $10b under advice

• Professional personal advice

• Advice underpinned by quality research and technical teams

• Over 110 offices nationwide

• Global company

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How we can help you

Our services

• Strategies to support your life goals• Retirement planning • Maximising your Government benefits • Superannuation services • Wealth creation strategies• Portfolio construction• Tax effective strategies• Protecting you from the unexpected with insurance• Estate planning• Aged care planning• Debt management and borrowing to invest • Savings plans• Redundancy advice

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• Living: Day-to-day, like keeping a roof over your head, a car on the road, food, bills, car, insurance, etc.

• Life balance: The things you want to do, like a hobby, giving back to the community, further education, relationships, health or other past-time

• Lifestyle: Major lifestyle pursuits, such as overseas trips, home renovations, new car/boat.

How we can assist you

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Educational services• Regular publications

• Educational booklets and pamphlets

• Website – calculators and financial tools

• Seminars and workshops

• Individual consultations

How we can assist you

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How we work with you

Our aim is that you understand:

• What strategies we are recommending and why

• How these strategies will assist you in achieving your goals

• How much our advice and the implementation of our recommendations will cost you

• Our ongoing service to you

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How we work with you

Initial service

1. How we can help you?

2. Getting all the facts

3. Agreeing on the service

4. Strategy development

5. Presenting our recommendations

6. Implementation and ongoing service

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CASH GROWTH

The future is uncertain

INCOME

Social security changes

Personal circumstances

Interest rate changes

Taxation

Government legislation

Economic impacts

Investment selection

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Benefits of using a qualified financial adviser

A financial adviser can provide research and technical expertise along with:

• Quality service

• Accurate advice

• Strict professional standards

• Experience and expertise

• Innovative solutions

• Comfort that your financial future is under control

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Ensure:

• The company is licensed through ASIC

• The adviser holds a AFSL or has authority to advise via a licensed holder

• The adviser provides you a Financial Services Guide

• All fees and charges are clear and explained

• The adviser gives you a Statement of Advice

• The adviser has the right qualifications and continuously develops their skills

Checklist for selecting a financial adviser

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• Experience – over 25 years• Accessibility – over 110 offices• Professional reputation • Skilled advisers • Wide range of services • Quality standards, policy & procedures • Research expertise• Strength and security• Ongoing professional advice and personal service

Why choose us

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Take control of your financial future

• What are your lifestyle goals now and in retirement?

• How much are you currently saving towards your future?

• How much more (or less) do you need to be saving each year to achieve your goals?

“Risk comes from not knowing what you’re doing.”Warren Buffet

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