Statement of Advice for Test Client Page 1 of 33

Scope of Statement of Advice (SoA)

Scope of Statement of Advice (SoA) You have told us that you want to accumulate enough wealth to have a comfortable retirement, and protect yourself and your family in the event of serious illness, disability and death. This SoA provides advice, strategy and product recommendations designed to assist you in achieving this. These relate to: Superannuation planning, including:

accumulation of regular savings through superannuation rollover and/or consolidation of superannuation money ensuring wealth is transferred to the individuals you nominate in the most effective manner the implications of the binding or non-binding nominations available.

Personal risk management – insurance planning, including advice relating to:

Life Total and permanent disability Trauma Salary continuance

Debt management, including:

Paying off your credit cards Paying off your home loan sooner

Estate Planning, including:

the estate planning implications of different ownership of assets (e.g. joint tenants, tenants in common)

the death benefits from superannuation assistance in identifying issues to be addressed by appropriate professionals

After our discussions we agreed that we would not provide advice on the following: Investment strategies for wealth creation, including:

investment strategies designed to produce capital growth or income or to manage volatility of returns within agreed parameters

a review of investment structures to ensure that these add value to your portfolio construction and management

advice on managed funds, various structured investments and listed shares (by referral).

Important warning

This advice document is based on our knowledge of your personal and financial situation, needs and objectives. If our knowledge or understanding is inaccurate or incomplete the advice may not be appropriate. For this reason, we ask that you please advise us immediately if there are any material changes, errors or omissions in respect to your circumstances as they are set out within this document and its attachments. We strongly suggest you do this before you act on any of our recommendations. This Statement of Advice has been prepared solely for your use and should not be used as a guide by any other person.