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Maximising the Value of Your Business through Synergising with Unison.

3 Steps to Success

The Unison Vision Programme

PART A Meeting 1 – Step 1 Laying The Foundations For Success

• Setting Business Objectives & “Getting Real”

• Launch Planning

Meeting 2 – Step 2

• Client Referral Process & Staff Training

• Partner Firm Client Profiling

Meeting 3 – Step 3

• Business & Client Events Programme

• Business Review & Refine Programme

PART B 3 Key Client Identification Initiatives

1 – Unison Client Diagnostic Programme

• Delivering Taloired Wealth Strategies

2 – Unison SMSF Matrix Diagnostics

• Delivering Taloired SMSF Solutions

3 – Unison Discovery Process

• Identifying client financial needs and Wealth opportunities

Contents

2 | Copyright © Unison Financial Group 2014

3 Steps to Success

The Unison Vision Programme provides our partner firms with a structured and proven method of establishing a successful SMSF, Wealth and Advice offering.

The Programme is implemented with the use of the Partner Firm Vision Document, the “How To” guide that details the “3 Steps” process in creating a successful and customised wealth and advice solution.

To ensure success, “3 Steps” process must be followed, with progress tracked to ensure success. The programme is typically implemented over a 4 - 6 week period.

The Unison Vision Programme is a proven process of ensuring success for any SMSF, Wealth & Advice offering and in the process of delivery and implementation would equate to over $50K in value.

Programme BenefitsThe Unison Vision Programme, not only delivers a proven business process template to ensure success for the creation of a SMSF, Wealth & Advice offering, but access to a range of services introduced to assist each Partner Firm in their mainstream business.

George Haramis Robert Palma Mark La BozzettaDirector Director Director

We look forward to working with you on The Unison Vision Programme, and to your ultimate success in embedding a successful wealth management offering within your firm.

Executing Effectively to Achieve your ObjectivesThe Partner Vision Programme is practical, efficient, and most of all is:

» simple to follow

» simple to execute

» simple to achieve the required results

Unison follows a set of highly effective execution principles developed by Franklin Covey to ensure The Unison Partner Vision Programme is delivered in a time efficient and effective manner:

Principle 1: Focus on Wildly Important Goals (WIGs) – Unison works with you to establish a clear set of goals and milestones for the 4-week programme and the year ahead.

Principle 2: Act on Lead Measures – Lead measures are used to target and track the “80/20” activities that will have the most impact on you achieving your goals. Our proven method ensures that you will be focused only on those activities that we know work.

Principle 3: Keep a Compelling Scoreboard – Unison has developed a “Vision Programme Scoreboard” that uses a “traffic light” system (green/amber/red) to clearly display implementation progress and to capture the achievement of key milestones - providing an overall progress score.

Principle 4: Creating a Cadence of Accountability – Disciplined execution requires a rhythm of planning, follow-through, and reporting. The Partner Vision Programme is implemented via a series of agenda driven meetings – setting the platform for a proven path to success.


M1 - Step 1a: Setting Business Objectives & “Getting Real” Documents & Facilities Actions / Notes / Due Date

1) Discussion With Firm Principal(s)

» Recap: Essential Unison documents

Setting Client and Revenue Budget Objectives

»Client Referral Progress per Quarter: - Joint Venture - 10 client referrals - Bureau Service - 6 client referrals - Discussion of specific “Advisor Day” for client meetings

» Setting the meetings - confirm dates: - 4 Vision Meetings - Client Discovery Session (monthly and min 4 hours) - Monthly 1:1 - Monthly Teleconferences - Staff Training

» Unison – Partner Firm Agreement

» Financial Projections – agree timing of achieving:

- client & revenue targets

- consistency of client referrals

» Firm Profile Document

» Review of RCTI’s / Reconciliation Reports

» Key Unison Communications to Partner Firms

2) Review of Partner Firm WIG’s

» Discussion & agreement on Wildly Important Goals (WIG’s) - List Top 3 Items (Business & Financial)

» “Clear Line of Sight” Worksheet

3) Review the Unison Value Proposition:

» Client Offering: - Client Value Proposition – Key Client Segments & discussion of: Financial Consolidation Service - Review of Unison Services & Advice Model - Client Pricing Model - Refer to client presentation, brochure, and consumer website www.unisonfg.com.au - UAG Portal www.unisonaccountinggroup.com.au

» Firm Business Pack and Communication: - Brochure stand - Signage (optional, inc installation) & Decal - Unison Partner Certificate

» UFG Induction Communication » Client Diagnostic1 Template & Overview : Initiative1

» SMSF Matrix Programme2: Initiative 2

» Client Discovery Process (CDP) - Top 60 SME, Professionals and Individuals : Initiative3

»UFG CVP – Client Segments - inc. Existing Advice Clients

» UFG Client Brochure – Cash Flow

» Wealth Management Services Agreement

» Digital Newsletter – Proposal Form

» Adviser Transfer Form

“ It’s not just about full advice.....Yet! “ - Review all transactional offerings

PART A


M1 - Step 1a: Setting Business Objectives & “Getting Real” Documents & Facilities Actions / Notes / Due Date

4) Unison Accounting Group:

» www.unisonaccountinggroup.com.au » UAG Licensing Details » SMSF Online Accreditation Course

» SMSF Accreditation Course RG 146

» SMSF Matrix Programme Review - Now Infinity Marketing Programme & Document Portal - Wealthtrac – Administration - SMSF Advice Documentation

5) UFG Service Offering

» Strategic Advice & Wealth Planning Process » Clients Services Process » Investment Management » Insurance Services » Lending & Finance » Leasing Services » Legal, Estate Planning & Trustee » Property Wealth Solutions » Partner Firm Services » Administration / Operations

» UFG Business Unit Profile document

» SoA Advice Process - Training via UFG Advisers at Unison Offices

» Agree date for training from UFG Business Unit


M1 - Step 1b: Launch Planning Documents & Facilities Actions / Notes / Due Date

1) Client Launch Planning

» Discuss key objectives and actions of a) the launch b) client contact and c) follow up process

» What type/style of launch is suited to the firm’s clients?

» Agree on launch material / collateral (include key firm messages) – review standard text

» Launch time-table and launch date

» Digital - (Launch) Newsletter and order forms

» Launch Brochure / Cash Flow

» General Client Letter / Tax Clients Letter

»Firm Logo - Jpeg Format

»Partner / Principle Electronic Signature(s)

»Partner Principal / Staff Photo

2) Staff Launch Planning

» Discuss design of staff programme, including:

- Staff Presentations - initial & ongoing

- Staff - Financial Advice Health Checks (Staff & Partners)

- Partner insurance, super & equity protection

» Launch time-table created date and agreed

» Staff Presentation

» Recognition Programme - review options

» Partner Firm Advice Programme - ie. concessonal pricing service

» Review of Key Services

3) Action Items: Critical to Complete and Ensure Success:

» Review of current Client WIP » Review status of existing advice clients » Client segmentation

- SMSF’s - via Matrix Diagnostics - SME’s - Professionals etc - via Diagnostics exercise - Individuals – High Income Earners / Families - Discuss key objectives of a) the launch b) client contact

» Client Diagnostics

» SMSF Matrix Diagnostics

» Client Discovery Process (CDP) - Top 60 SME & Professionals - Individuals » Newsletter Documentation » Financial Projections doc. » UFG Client VP doc.

4) Client Review

» 6 x Clients to Review

» Partner Firm to review WIP and other opportunities


M2 - Step 2a: Unison Client Referral Process & Staff Training Documents & Facilities Actions / Notes / Due Date

1) Discussion: The importance of quality & referrals

» Utilising a Systemised Referral Process via UAG Portal

» www.unisonaccountinggroup.com.au

» UFG Training Document

» Client Discovery Form & Pad (CDP

» Client Brochure CVP

» Client Welcome Pack (Communication Material)

» UAG Portal - Document Storage

2) Identify Key Client-Facing Staff “Referrers” and Staff Programme » Ongoing staff education - PD’s etc

- UFG inclusion in staff training / meetings

» Unison - Staff Appreciation Events

- Morning tea, recognition, etc

» UFG Operations

3) Support Documents – using the Unison material

for maximum results » Support Collateral

- Adviser Forms – Information, access, adviser transfer

- Specific situations flyers. i.e insurance, retirement planning, SMSF, SMSF Property acquisitions etc

»Client FAQ

» Investment Management - UPPS

» Finance Brochure

» SME Clients

» Property Flyer

» Client Needs Flyer

» Legal – Wills & Estate Planning, Aged Care and Family Law / Matrimonial

» General Client Letter / Tax Clients Letter

» Refer to: UAG Portal for all documents

»Refer:

www.unisonaccountingggroup.com.au


M2 - Step 2b: Partner Firm Client Profiling Documents & Facilities Actions / Notes / Due Date

1) Reviewing the firm’s client base structure

» Review Partner Firm Profile

» Firm Profile Document

2) Client Segmentation Exercise & Analysis, including:

» Review Completion of Action Item

» Client Diagnostics

» SMSF Matrix Diagnostics

» Client Discovery Process (CDP) - Top 60 Clients: SME & Professionals » Existing Advice Clients

3) Client Referrals

» 6 x Clients Reviews

» Partner Firm to Review WIP and other opportunities


M3 - Step 3a: Business & Client Events Programme Documents & Facilities Actions / Notes / Due Date

1) Review Business Programme2) Develop Tailored Client Events Programme: - Type - eg. semiars, client briefings - Number per annum - Frequency - Objectives for each – business and financial - Minimum of: 2 client seminars (general wealth /SMSF property / insurance)

» Business Events Calendar » Client Events Calendar » Sample Client Seminar Invitation » Digital Newsletter

»Refer: www.unisonaccountingggroup.com.au

M3 - Step 3b: Partner Firm Referral Documents & Facilities Actions / Notes / Due Date

1) 1 x Accounting Firm Referral


M3 - Step 3c: Business Review & Refine Programme Documents & Facilities Actions / Notes / Due Date

3) Monthly Discovery Sessions: » Monthly adviser sessions to review specific client files - Top 60: SME & Individuals - via “Discovering Forms” and determine client needs

» Agreement on style of contact with client: phone call, letter, email

4) UFG Executive Visitation Programme: » Annual strategy workshop » Annual staff event

» Agree Dates

M3 - Step 3c: Business Review & Refine Programme Documents & Facilities Actions / Notes / Due Date

1) Monthly 1:1 Business Meeting: » Agenda: Unison – Partner Firm

- Monthly - 60 min duration to - 90 min duration » Scoreboard

- Business & Financial results - Progress of: 1. SMSF Matrix 2. Client Diagnostics 3. Discovery Results 4. WIP - Client Marketing Initiatives - Client issues / feedback - Unison Reporting

» Partner Scoreboard

» Agenda

» “Clear Line of Sight” Review » actual vs. target: client referrals and revenue $

2) Monthly Teleconference Meeting: » Monthly Teleconference Coaching Session – 20-30 mins

- Objective, format, time allocation, attendees » Update of Scoreboard and Objectives progress


PART B 3 Key Client Identification Initiatives

1 – Unison Client Diagnostic Programme

• Delivering Taloired Wealth Strategies

2 – Unison SMSF Matrix Diagnostics

• Delivering Taloired SMSF Solutions

3 – Unison Discovery Process

• Identifying client financial needs and Wealth opportunities

The Unison Vision Programme



Unison Diagnostic Programme - Delivering Tailored Wealth Solutions

Undertaken in conjunction with the Macquarie Group


Strategy ObjectiveReview Unison Partner Firm client base to establish and drive tailored marketing inititives based upon meeting client needs.

Business Benefit » Optimise opportunities within existing client base

» Focus on key client segments to deliver tailored solutions

Business Owner:

Timeframe to deliver: Immediate

Implementation Steps1. For the existing client base and Unisons referral partners, assess what information is currently available and what information could be gathered to develop a total view of the client base (including information from other sources)

2. Based on the available information, determine what segmentation factors would be appropriate to create client opportunity pools e.g. demographics, existing services etc and met client needs

3. Identify client opportunity pools and prioritise clients by segmentation factors

4. Develop targeting strategies for each market

5. Agree ongoing approach to update opportunity pool identification and feedback from client interactions

Strategy Deliverable1. Segmented client base

2. Ensure client needs are identified and dealt with across different segments

3. Better data with which to drive marketing campaigns / initiatives and target appropriate packages for different client groups in order to deliver tailored wealth solutions.

Diagnostics Process - Delivering Tailored Wealth Solutions

CONSULTATION SERVICES

Wealth Planning

SMSF Legal & Estate Planning

Finance Services

Property Services

Investment Management

Insurance Services


Individual Client Details

Reference DOB Address Address Postcode Married KidsAnnual Income

T4 - Contrib

T4 - A

Salary Sacrifice

Insur - D15

Property Invest

Other Invest

Loan Int

Tax Invcome

Current Client

AAROCA76 26/05/19591 Smith Street

Fitzroy VIC 3012

YES 2 89000 0.00 0.00 0.00 0.00 2 750000 85000 YES

Information Collection Process

STEP 1Source Data Required:

» Unison Partner Firm to supply data to populate via Address.xlsx - covering the following:

- Data can be obtained via Tax Software provider


STEP 2Source DataUnison Partner Firm Supplied:

» Unison Report with Address.xlsx - reviewed by Unison and Macquarie (full confidentiality maintained)

» Australian Bureau of Statistics 2011 Australian Census Income and mortgage data by suburb is overlayed to data with all clients allocated “points” based on the following factors.

Factor Score Description

Rank of Suburb in monthly mortgage payments (Ranked so 1 = worst) 0.25 points per rank place

Rank of Suburb in weekly personal income (Ranked so 1 = worst) 0.25 points per rank place

Surplus of Income over suburb average income 1 point per $200

Bonus for being younger than suburb average with above average income 1 point per $200

Bonus for living in a flat and having above average suburb income 800 points

Bonus for having family members with <Unison Firm> 700 points

Bonus per investment property 1000 points per property

Bonus for making salary sacrifice contributions 1 point per $200

Penalty for not being a current client Lose 15000 points

Bonus for having children 700 points

As clients are allocated points based upon the factor / score description process, the final ranking is completed with all receiving a “Total Score”.

1. The “Total Score” is the first step in the segmentation process to identify the 6 key “Client Opportunity Pools” to work with - refer step 4

2. The second step of the segmentation process is to agree on a “cut-off score” as a proxy to identify the client group who would most likley be suitable for Unison’s Financial Consolidation Service. In most cases this “cut-off score” will be influenced by their taxable income level.

Data Inputs / Analysis Factors

STEP 3 - Individual Client Details & Scoring Completed

Sample Diagnostics Output

Reference Ref Sort DOB Age Address Suburb Married Kids Ann Income T4 - Contrib T4 - A Salary Sacr Insur - D15 Property Other Invest Loan Int Tax Income Current Postcode Total Score

MANG0004 MANG 21-May-59 55 14 MUIR STREET Yes 2 $47,374 $0 $0 $17,000 $0 7 $0 $45,942 Yes 6,415

MANG0003 MANG 06-Nov-62 51 14 MUIR STREET Yes 2 $35,084 $0 $0 $0 $0 7 $0 $31,988 Yes 6,500

HIND0001 HIND 25-Sep-70 44 28 IONA STREET Yes 3 $267,236 $0 $0 $17,000 $1,175 - $0 $255,678 Yes 4,683

RICH0011 RICH 28-Jun-75 39 9 BALMERINO AVENUE Yes 1 $158,441 $0 $0 $0 $0 5 $72 $30,316 Yes 5,122

GEOR0001 GEOR 09-Dec-51 62 19 ASHLEY GROVE 0 $774,962 $0 $0 $0 $0 2 Yes $0 $749,563 Yes 5,588

GANC0002 GANC 12-Aug-71 43 493 BRUNSWICK ROAD Yes 3 $123,195 $0 $0 $0 $2,428 5 Yes $0 $115,367 Yes 5,637

GANC0001 GANC 29-Sep-73 41 493 BRUNSWICK ROAD Yes 3 $54,916 $0 $0 $0 $0 5 Yes $48 $54,688 Yes 5,213

CART0001 CART 02-Oct-68 46 125 FINCH STREET Yes 2 $68,771 $0 $0 $0 $0 3 Yes $0 $66,648 Yes 5,183

THOR0001 THOR 15-Sep-74 40 15 FORDHAM AVE Yes 2 $107,657 $0 $0 $0 $0 2 $0 $107,154 Yes 4,736

REBE0001 REBE 23-Sep-59 55 3 RIVERGUM PLACE Yes 0 $140,767 $0 $0 $0 $2,834 5 Yes $0 $136,101 Yes 5,081

REBE0001 REBE 23-Sep-59 55 3 RIVERGUM PLACE Yes 0 $137,640 $0 $0 $0 $2,834 5 Yes $0 $132,974 Yes 5,065

BENC0001 BENC 17-May-73 41 126 WINIFRED ST Yes 2 $148,378 $0 $0 $6,174 $0 3 Yes $0 $146,453 Yes 5,403

DIMO0002 DIMO 28-Jul-81 33 UNIT 362 0 $0 $0 $0 $0 $0 7 $0 $0 Yes 4,970

BENI0001 BENI 06-Feb-74 40 UNIT 7 Yes 1 $92,576 $0 $0 $0 $0 1 Yes $0 $86,009 Yes 4,930

CRAI0001 CRAI 11-Nov-68 45 10 RISING COURT Yes 1 $217,451 $0 $0 $9,351 $0 1 $0 $207,029 Yes 4,962

SANK0001 SANK 30-Jun-72 42 14 PURRI AVENUE Yes 2 $169,183 $0 $0 $29,890 $649 1 $0 $166,970 Yes 4,714

REBE0002 REBE 02-Nov-62 51 3 RIVERGUM PLACE Yes 0 $48,082 $0 $0 $0 $2,834 5 Yes $0 $43,401 Yes 4,857

LUCY0001 LUCY 05-Apr-69 45 UNIT 4 Yes 3 $146,651 $0 $0 $0 $748 1 Yes $0 $139,019 Yes 4,675

SOYS0002 SOYS 19-Nov-76 37 P O BOX 450 Yes 1 $150,434 $0 $0 $0 $739 1 Yes $0 $146,164 Yes 4,281

THOR0002 THOR 21-Sep-76 38 15 FORDHAM AVE Yes 2 $67,151 $0 $0 $0 $0 2 $0 $64,892 Yes 4,404

KOKO0004 KOKO 08-Dec-69 44 10 RICHARDSON CRT Yes 1 $58,937 $0 $0 $0 $0 2 $0 $57,852 Yes 4,609

VARV0002 VARV 13-Jun-70 44 15 MOKOAN CLOSE Yes 2 $64,750 $0 $0 $0 $0 2 Yes $0 $63,372 Yes 4,637

KOTH0001 KOTH 03-Nov-73 40 3 BECKETT CRESCENT Yes 2 $72,263 $0 $0 $0 $0 2 Yes $0 $72,018 Yes 4,560

WILL0004 WILL 19-Dec-74 39 4 ARMST-RONG CLOSE Yes 1 $165,752 $0 $0 $0 $249 - Yes $0 $154,681 Yes 3,943

MLAD0001 MLAD 26-Dec-76 37 UNIT 1 Yes 1 $110,165 $0 $0 $0 $0 1 $0 $110,165 Yes 4,201

CAMI0001 CAMI 07-Oct-75 39 11 MOCKRIDGE STREET Yes 2 $84,237 $0 $0 $0 $0 2 $0 $82,927 Yes 4,585

CLAR0004 CLAR 27-Sep-72 42 70 BARR-INGO WAY Yes 2 $67,904 $0 $0 $0 $0 2 $0 $67,904 Yes 4,570

ELHE0002 ELHE 29-May-70 44 100 PLEASANT RD Yes 4 $54,509 $0 $0 $0 $0 3 $0 $54,021 Yes 4,390

CART0002 CART 06-Oct-70 44 125 FINCH STREET Yes 2 $34,018 $0 $0 $0 $0 2 Yes $0 $33,676 Yes 4,488

KEAT0003 KEAT 05-Mar-68 46 5 ROYCE GROVE Yes 2 $246,340 $0 $0 $0 $0 - Yes $0 $238,101 Yes 4,541

PANO0001 PANO 18-Sep-66 48 UNIT 2 Yes 0 $84,963 $0 $0 $0 $0 2 $0 $83,833 Yes 4,629

TOME0001 TOME 24-Dec-73 40 8 CHERRY LAKE GREEN Yes 2 $228,575 $0 $0 $13,663 $0 - $0 $223,776 Yes 4,387

WHIB0001 WHIB 06-Oct-69 45 57 VALLEY PARADE Yes 2 $120,164 $0 $0 $11,162 $0 2 Yes $0 $117,494 Yes 4,323


An even distribution results based on ranking of client data.

Note: Whilst all clients receive a “Total Score” - the process of segmentation and 1:1 / personal contact for the majority of “client opportunity pools” is the most effective approach to ensure their needs are identified and a solution is delivered.

Results Distribution


STEP 4Primary Target Groups “Client – Opportunity Pools”Focus on the clients belonging to the following groups for specific 1:1 and group communication:

Group 1A. Top “X” beyond agreed “score”

» Min of say Top 60 - 160+ » Focus on Top 60 to commence: SME & Individual

» Note: it would be very beneficial to identify all of the SME clients

Group 2: Important Client GroupsB. Medium to high income earners reaching preservation age

» Due to accumulated income and age will have decent super balances whether retail or SMSF

» Specific campaign around TTR and tax free super

C. High income earners say > $125k pa

» Specific campaign around “tax effective strategies” - income protection, investment property ownership, salary sacrifice.

D. Holders of Investment Properties

» Specific campaign focussing on: accessing better finance deals, possibly looking at SMSF strategies, insurances and better management services

E. Other: Family / Children groups?

» Specific campaigns on Estate Planning and Trustee Services

Group 3F. Middle - lower income earners via agreed “cut-off score”

» Focus on introducing to the Financial Consolidation Service

Client Opportunity Pools Identification Identification

STEP 5To maximise the opportunity to deliver the appropriate solutions to each client pool, it is recommended the following initiatives are undertaken:

Proposed Activities and CampaignsGroup 1Top 60 – 100

» Mark file to identify the client - i.e via sticker, colour coded etc

» Work through each client’s situation with UFG prior to meetings / after completion of tax return – by completing the Client Discovery Form

- Key items / planning client needs vs. do not have

- General Wealth Planning Potential strategies based on profile

A. 1:1 specific targeting – say up to 10 per month – estimating say min 3 appointments (in addition to discussion of WIP & SMSF Matrix and Discovery work, and other activities, eg. seminars.)

» Focus would be to personalise the contact directly from the accountant principal

» Introduce / continue with UFG Newsletter – more targeted with social / lifestyle news and opportunities in addition to education articles with a “call to action”

Group 2Clients segmentation for Group 1 & 2 will be identified and contacted - either via: direct phone contact, email or specific letter - to commence the process of arranging a meeting with the Partner Firm and Unsion to discuss one of the following topics;

A. TTR and Tax Free Super

B. Tax Effective Strategies to create wealth

C. Creating a sound Investment Property Portfolio

D. Estate Planning and Trustee Services (Refer to sample letters on page 10-13)

Note: Refer to Appendix 1.

Group 3Broad Group with incomes say up to < $100k-$125K via a Financial Consolidation Service (FCS) » Introduce to online or phone based offering to reduce dependency on face-to-face requirements via this service, to include:

- Consolidating super to save money – generate better returns

- Insurances – improve family and dependants protection

- Finance offering – improve current finance deal and save money – personal or business

- Wills – provide for a cost effective Will service, which could include provision for Powers of Attorney.

This service will be introduced through a broad communication campaign, with a regular service of prompts and reminders, and targeted 1:1 contact over time.

Client Opportunity Pools Identification Initiatives



Appendix 1


<Print Date>

<Title> <First Names> <Surname><Address Line 1><Address Line 2><Suburb> <State> <Postcode>

Dear <Title> <Surname>

We’d like to meet with you to discuss your Transition to Retirement strategyAfter reviewing your file and assessing your situation, I understand that you could soon be eligible to take advantage of a Transition to Retirement strategy. This strategy lets you access your superannuation while continuing to work — with potential tax and lifestyle benefits.

As such, I would like to set up a meeting with you and our Wealth & Advice partner, Unison Financial Group, to tell you more about Transition to Retirement strategies. The session will last for up to one hour and there is no fee payable, to ensure this strategy is right for you.

How it worksWith a Transition to Retirement strategy, you can draw a regular income stream from your super while you’re still working. At the same time, you can salary sacrifice some of your pre-tax income back into your super — potentially paying less tax on both your income and your investments.

So for example, if you’re under 60 and your marginal tax rate is 30%, you’ll only pay 15% tax on your pension payment. Then, once you’re over 60, your pension is completely tax-free. What’s more, you’ll also enjoy tax-free earnings on your investments within your superannuation.

At our meeting, we can discuss how this strategy could work in your circumstance and what benefits it might offer you.

What happens next?We’ll be in touch within the week to schedule an appointment time that suits you. But in the meantime, if you have any questions, please feel free to call me on [phone number].

I look forward to meeting with you soon.

Yours sincerely

<Signature>

<Signatory Name><Signatory Title>


<Print Date>



We’d like to meet with you to discuss using tax-effective strategies to build and protect your wealthWe are always looking for ways to help you build and protect the wealth that our clients have worked so hard to create. So after reviewing your file and assessing your situation, I believe you’d benefit from meeting with us and a representative from our Wealth & Advice partner, Unison Financial Group.

Our initial meeting should last for no more than one hour and there is no fee payable for this session, giving you the chance to find out more about some tax-effective strategies you might not know about.

How our advice can help youAt our meeting, we’ll explain a number of strategies that could help you, including:

» Building your super and reducing your tax with salary sacrifice.

» Using franking credits within your super to reduce your tax or get a refund.

» Borrowing to purchase an investment property so that your interest and property maintenance expenses may be tax-deductible.

» Safeguarding your ability to earn a living with Income Protection insurance and claiming a tax deduction on your premiums.

» Protecting your wealth for vulnerable family members, from potential creditors and enjoying better tax rates, by setting up a family trust or company structure.

» Creating a simpler, more flexible SMSF by setting up a corporate trustee structure.

» Making a smooth, profitable exit from your business by putting buy/sell agreements in place.

What happens next?We’ll be in touch within the week to schedule an appointment time that suits you. But in the meantime, if you have any questions, please call me on [phone number].


Yours sincerely

<Signature>



<Print Date>



We’d like to meet with you to discuss helping you invest in propertySuccessful property investors are those who choose the right properties, and employ growth strategies that go beyond the standard ‘buy and hold’. So if you want to make the most of a property investment, it’s important to get the right advice.

After reviewing your file and assessing your situation, I believe you could benefit from some advice about how you can grow wealth through property investment. That’s why I’d like to arrange a meeting with you and a representative from our Wealth & Advice partners, Unison Property. Our initial meeting will not last for more than one hour, and there is no fee payable for the session...

How our advice can help youAt our meeting, we’d like to show you how you can:

» Choose assets that provide strong passive income yields with strong potential for growth.

» Get the most suitable investment loan for your circumstances, at the best rate.

» Minimise your costs — and maximise your rental returns.

» Work out an exit strategy when it’s time to leave the market.

» Add value to your investment property so that it appeals to a property developer.

» Maximise tax benefits and cashflow from your property portfolio.

What happens next?We’ll be in touch within the week to schedule an appointment time that suits you.But in the meantime, if you have any questions, please call me on [phone number].


Yours sincerely

<Signature>



<Print Date>



We’d like to meet with you to discuss your estate planningEstate planning is an important part of taking care of your wealth, ensuring the best outcomes for your loved ones and beneficiaries.

After reviewing your file and assessing your situation, I believe you could benefit from meeting with us and a representative from our Wealth & Advice partner, Unison Financial Group. . Our initial meeting should last for up to one hour, and there is no charge for this session, giving you the opportunity to make sure you have the right arrangements in place.

Why review your estate planning needs?Remember that even if you already have an estate plan, it’s important to review it regularly. For example, you will need to update your estate plan whenever you buy or sell assets, acquire new liabilities, or have a change in your family — such as a marriage, divorce, birth or death.

It’s also important to review your plan in line with any changes to superannuation and tax laws.

What to considerAt our meeting, we’ll discuss the following questions:

» Who do you want to make important decisions regarding your future? Do you have financial and medical Power of Attorneys and an Enduring Power of Guardianship in place?

» Who do you want to act as guardian for your children (if they are minors or disabled)?

» Do you have any vulnerable family members who need to be protected financially?

» What guidance would you like to give the people acting on your behalf?

» Do your superannuation death benefit arrangements complement your Will and achieve the best tax outcomes for your beneficiaries?

What happens next?We’ll be in touch within the week to schedule an appointment time that suits you.But in the meantime, if you have any questions, please call me on [phone number].


Yours sincerely

<Signature>



Appendix 2


No. Client Characteristics Address

1. Property » Acquiring additional property

» Offer Property Management services – inc. selling needs

» Legal – i.e. Conveyancing and other services

» Review their structure – i.e. should it be via a SMSF?

» Personal Insurances – if geared

» Review finances if via debt

» GI cover

2. Insurances » Offer review current policies and cover

» Potential for additional cover – i.e. add Trauma , IP if not current

» Businesses – Buy / Sell Agreements, Key-person

» Transition of policy to UFG

» Review of family for insurance cover – spouse insurances

3. Salary Bands » Depending on salary, review for wealth creation / protection items: property, insurances, salary sacrifice etc.

» Include Age as part of review – i.e. younger higher income earner will have greater long-term, potential

» Potential for SS if above certain level – say min $100k-$125k pa – potential for UPPS retail or SMSF

4. Kids » Children’s Insurance

» Funding for Private school fees

» Assisting / Saving to help them buy first property – home / apartment

5. Married with/without Kids » Estate Planning and Trustee Services – new Will or review of current Will

- eg. Maybe in blended family situation

6. Salary Sacrifice » Target those who:

- Are not SS – opportunity with higher salaries

- Are SS – may be opportunity for UPPS retail or SMSF

» Potential to combine married couple super for – UPPS retail or SMSF

» Source Super balances if possible, for client / spouse / partner – potential for UPPS retail or SMSF

Broad Client Group Categories

The SMSF Matrix Diagnostics is a system designed to accurately review and analyse critical data about your clients SMSF.

The system also provides a comprehensive report designed to identify specific opportunities and needs for each of your clients funds.

The annual review programme for the diagnostics is maintained jointly by Unison and the Partner Firm.

The intent is to support your firm as a specialist SMSF adviser.

A step by step programme is jointly managed by the firm and implemented by Unison at no cost.

The process is designed to present clear written opportunities for clients as they relate to their needs and objectives.

This report will help your clients as trustees of their own Self Managed Superannuation Fund (SMSF) achieve these key objectives: » Maximise every opportunity to create wealth in a SMSF by working with their professional advisers

» Take advantage of all available strategies that may help reduce tax payable.

» Ensure an SMSF can protect, grow and transition members wealth in the way they want, with professional advice to help avoid the hidden traps.

The SMSF Matrix Diagnostics will review: » Trustee structure

» Trust deed currency

» Insurance levels and costs

» Property Investment overview

» Tax health check

» Estate planning suitability

» A number of contribution maximisation strategies

» Estate Planning and Tax

» Tax Planning

» Investment and Strategic Advice

* SMSF Matrix Report


SMSF Matrix Diagnostics

Superannuation Matrix Solutions Report

Date SMSF Fund Name Members PAYG or Business Owners SMSF ABN State Name of Corporate Trustee (if applicable)

1/01/2000 Enter Super Fund Name 123456789 Enter State Enter Full Name of Corporate Trusteee (if applicable)


Corporate Trustee Sole Purpose (Y/N) Date of Current Trust Deed Deed Appoints trustee on death or

incapcity (Y/N or unknown) No. of SMSF Members /

Trustees Names of SMSF Members / Trustees Member Dates of Birth

Please Answers Enter the Date of the Trusts Deed No. of Members No. of Members Please Enter

Members worked in UK (Y/N) Have members made previous

withdrawal (IF SO AMOUNTS AND WHEN) LUMP SUM

Identified Beneficiary Names Beneficiary Nomination Type Adviser in Place (Y/N) Name of Adviser

Enter Name/s of Beneficiery/ies Select Beneficiary Type Please Select

Insurance Type or No insurance

Investment Strategy / Risk Profile

Investment Strategy Weightings (Defensive vs Growth)

Main Cash Account Provider Shares Balance ($) Managed Fund Balance ($) Property Value ($)

Please Select Please Select - Bank Account Provider Enter Amount ($) Enter Amount ($) Enter Amount ($)

Total: $0.00 $0.00 $0.00

LRB Loan Balance or leave blank if none in place ($) Cash and Term Deposit Balance ($) Cash earmarked for short

term goals (Y/N) SMSF Total Fund Balance ($) Individual member balances ($) Average/last-year concessional contribution levels ($)

Enter Amount ($) Enter Amount ($) Total Fund Balance ($)

$0.00 $0.00 $0.00

Average/last-year non concessional contribution level ($) Taxable Component (%) Member Account (% Pension) Individual member balances ($) Average/last-year concessional

contribution levels ($) Average/last-year non

concessional contribution level ($)

Taxable Component (%) Member Account (% Pension) Opportunity - Comments -

Unison will comment do not complete

Superannuation Matrix Solutions Report

for Smith Family


Benefits of this report

Page 4 - SMSF Matrix health check snapshot for the Smith Family Super Fund

Page 5 - Are you certain you are doing all you can to create more wealth?

Page 6 - Key strategies

Page 7 - Your trust deed needs updating

Page 8 - Corporate Trustee – The better way to control your fund

Page 9 - Your investment strategy

Page 10 - Insurance – Protection for your family

Page 11 - Estate planning

Page 12 - Qualifying Recognised Overseas Pension Scheme (QROPS)

Page 13 - Access your super while you work

Page 14 - SMSF Anti-Detriment Reserves

Page 15 - SMSF recontribution strategy

Page 16 - SMSF Contribution Reserves

Page 17 - Limited recourse borrowing


Benefits of this report for Mr Smith Family Super Fund

This report will help you as trustees of your own Self Managed Superannuation Fund (SMSF) with these key objectives:

√ Maximise every opportunity to make more money in your SMSF.

√ Take advantage of all available strategies that may help reduce tax payable.

√ Ensure your fund can protect, pass on and grow your wealth in the way you want, with professional advice to help avoid the hidden traps (because you don’t know what you don’t know).

√ Be certain you are doing all you can with your SMSF to create more wealth.

Not investment adviceThis document is solely for educational purposes. It in no way represents financial advice or the recommendation of a financial product and should not be relied upon for a decision regarding the acquisition or disposal of any investment.

Before making a decision regarding the acquisition or disposal of a financial product, you should assess whether the advice is appropriate for your objectives, needs or financial situation. You may wish to make this assessment yourself or seek the help of an adviser.

No responsibility is taken for anyone investing on the information provided in this education series. If you do choose to make an investment, you do so at your own risk. Before making a decision about acquiring a financial product you should always obtain a Product Disclosure Statement (PDS) and consider it carefully.

Intellectual property and confidentialityBy reading this document you accept that all information, intellectual property, and know-how contained in this document remains the exclusive property of Unison Wealth Management Pty Ltd It is to be used only for private noncommercial purposes and solely only in conjunction with the services provided to you by Unison Wealth Management Pty Ltd.

The benefits of a Self Managed Super Fund

√ Take control of your wealth

√ Create a real legacy for your children

√ Minimise tax

√ Leverage your growth options beyond the normal superannuation fund strategy


SMSF Matrix health check snapshot for the Smith Family Super Fund

Recommendation

Trustee structure Review √

Trust deed currency Review √

Insurance levels and costs Review √

Investment strategy and cash weighting Review √

Property Investment overview Review √

Tax health check Review √

Estate planning suitability Review √

Contribution maximisation strategies Review √


Are you certain you are doing all you can to create more wealth?

You have taken control of your financial future and decided that an SMSF is the right fit for your goals, your values and the way you want your money to be managed. You may not have realised at the time, but you have joined Australia’s largest group of self-directed individual investors, controlling the largest pool of assets in the country. It is one of the largest investment clubs in the world.

Thinking about your long-term objectivesThe first step in getting the most out of your SMSF is to think carefully about what you’re trying to achieve. The key drivers for many trustees include:

1. Control of your fund and wealth. In the past the only connection you had with your superannuation fund was a quarterly investment report. You had limited control over strategy, investments and structure, with little understanding and explanation. Now you feel more connected to the running and control of the money and where and how it is invested. You want to make better financial decisions.

2. Leave a solid, lasting legacy for your children and family. By including your family in both the running of the fund and the legacy your fund leaves behind, you can be assured that your loved ones are cared for when it counts the most. So it’s important that you can confidently articulate where your funds are to go, with the peace of mind that your wishes will be respected.

4. Minimise tax. Having your own fund gives you a range of options to improve the timing of tax payments and create effective strategies to reduce tax as much as possible, using all available deductions within the fund. You can also pay for your insurances through your fund, then make tax effective decisions on the use of any proceeds.

5. Accelerate the growth of your wealth. Many investors now actively build larger super portfolios by borrowing through their superannuation funds. While leverage is not for everyone, it can be powerful strategy, giving you enhanced access to sectors such as direct residential and commercial investment property.


Your Trust Deed needs updatingYour SMSF Trust Deed is the rule book that determines what you can do and how you can do it, so it’s essential to keep pace with legislative changes.

Corporate Trustee – The better way to control your fundBy switching from individual Trustees to a Corporate Trustee, you can simplify administration, protect the fund members from creditors and gain greater flexibility and control in Estate Planning.

Your investment strategyYour investment strategy provides the framework for every investment decision the fund makes, so it’s essential to review your strategy and ensure it remains compliant and up-to-date.

Insurance – Protection for your familyInsurance is valuable protection for your lifestyle and your family’s financial security, ensuring that your fund will have sufficient money to pay you and your beneficiaries, even if you are incapacitated or pass away.

Estate planningWe can help you ensure that your hard-earned super savings go directly and tax effectively to your loved ones as you intended, without unforeseen regulatory or tax complications.

Qualifying Recognised Overseas Pension Scheme (QROPS) Transferring overseas pension benefits to your Australian SMSF can be a rewarding strategy – but it’s important to adhere to the letter of the law and ensure your fund is a complying recognised overseas pension scheme.

Access your Super while you work to help cashflow todayA Transition to Retirement or Allocated Pension could help you access a tax-free income now, while still building your super savings.

SMSF Anti-Detriment ReservesAn Anti-Detriment Reserve could help you reduce or eliminate tax on the accumulated superannuation savings paid to your family if you pass away.

SMSF Recontribution StrategyA re-contribution strategy helps ensure that any super you leave behind for your family isn’t affected by a hefty tax bill.

SMSF Contribution ReservesAn SMSF Contribution Reserve could help you maximise tax deductions for personal contributions now, without breaching your contribution caps.

Limited Recourse BorrowingOur analysis has shown that your SMSF may be able to diversify its investments by borrowing to invest in direct shares or direct property.

Key strategies for Mr and Mrs Smith Self Managed Superannuation Fund


Your Trust Deed needs updating

Our analysis has shown that it has been some time since your SMSF Trust Deed has been reviewed.

Your SMSF Trust Deed is the rule book that determines what you can do, how you can do it, and how current legislation impacts your family legacy, tax planning and wealth creation. Put simply, you might be playing with an outdated rulebook – and that could have a big impact you and your family in the future.

In fact, the SMSF trust deed can be decisive, even within the Superannuation Supervisory rules, when it comes to determining your SMSF benefits and what you can do with them.

Since the Simple Super regime was introduced in 2006, there have been over 20 separate legislative changes that may affect your SMSF. For example, if you want to split super contributions with your spouse, start a transition to retirement pension or even buy vacant land, an outdated Trust Deed may make it hard to carry out your wishes.

Your deed needs updating and reviewing regularly, a point emphasised the ATO in their guide for SMSF trustees.

Why update your Trust Deed?A modern up to date deed will determine some important issues:

» If the trustee is empowered to make a choice in benefit payments to dependants and other nominated parties.

» Whether you can use advanced strategies such as running a business within your SMSF and remunerating trustees.

» The form in which your benefit can be paid, which is critical if you want to ensure you leave a specific asset in the SMSF to a specific beneficiary.

Notes on aspects you would like to review with your adviser.

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Benefits of a current relevant deed

√ Keeping up with legislation that impacts your SMSF – It will make a difference

√ Ensure your deed provides power to your legal personal representative to carry out your wishes

√ Be certain that all death benefits are paid to children, including children from a previous marriage


Benefits of a single purpose Corporate Trustee

√ Makes administration easy when changes occur in fund membership or legislation

√ Helps protect fund members against creditors

√ Provides one trustee for ATO fines if applicable.

Corporate Trustee – The better way to control your fund

Our analysis has shown that your SMSF currently has individual Trustees. You may benefit from establishing a company to be the Trustee of the SMSF, otherwise known as a Corporate Trustee. The current individual Trustees can retain control of the Fund by being named as the Directors of the company.

Why choose a Corporate Trustee?There are some important benefits in having a corporate trustee, rather than individual trustees:

» Easier identification and administration of the assets legally owned by the SMSF. Individual trustees have to change, notify and amend all legal records if one trustee or member changes. This is especially costly if your fund owns property assets.

» Simpler and clearer segregation of SMSF assets now and during estate planning / management.

» Greater asset protection, limiting liability to the assets of the company, not those of the individual trustees.

» More secure will and estate planning, ensuring that your SMSF Trust Deed supports your will, so that even if you add new members or lose your ability to act as trustee, you retain power in your SMSF, and your wishes are respected.

» The ability to minimise any penalties for compliance breaches, by ensuring that the fund receives only one fine for a single, Corporate Trustee, rather than multiple fines for individual Trustees.


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Your investment strategy

Your investment strategy needs constant updating and cannot be left in isolation.

Your strategy is more than just a compliance requirement – it provides an essential framework for investment decisions to increase members’ benefits for retirement and ensure that their assets are securely and profitably invested once they retire. It articulates clearly your intention to all stakeholders so there is no confusion as to what you intend and where you intend your assets to be invested.

Why review your investment strategy?There are some important reasons to review your investment strategy now:

» By law, when preparing your investment strategy you are required to consider whether to hold insurance cover for one or more members of the fund, and this consideration needs to be in writing.

» The ATO makes it clear you should review your written investment strategy regularly to cater for changing circumstances and legislation. A well considered investment strategy demonstrates a well considered plan for retirement, and clearly indicates the assets you deem appropriate.

» Your investment strategy is essential to optimising your asset allocation to achieve the best investment return for members. Even a small increase annually in your investment return will make a significant difference to your capital base in retirement.


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Benefits of the right investment strategy

√ Ensure your asset allocation lines up with your strategy

√ Actively review your asset allocation and make sure you’re taking full advantage of the options available to you today

√ Ensure you review asset allocation for income and pension purposes


Insurance – Protection for your family

Insurance is critical to the financial security of both you and your family, providing essential cash and support in the event you become sick, disabled or pass away unexpectedly.

Do you have the right insurance cover?Do you have adequate cover to:

» Replace your income if you are unable to work?

» Repay all debt and leave your loved ones with a capital base to build on if you pass away?

» Protect yourself against events like cancer, strokes or heart attacks, so you can recover without financial stress?

By holding insurance through your SMSF, you can use your funds’ cashflow to pay the premiums while maximising tax effectiveness by paying for your cover from pre-tax superannuation contributions.

Insurance protects your beneficiaries and makes certain that the fund can have enough to pay its liabilities.

Insurance can be expensive – but inadequate cover can be much more expensive in the longer term. That’s why an insurance health check of all your cover both inside and outside super can help you save money now and protect your financial wellbeing in the future.


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Benefits of arranging adequate Insurance through your SMSF

√ Claim the maximum tax deduction for insurance policies

√ Ensure you either have all your insurances in superannuation or a good reason for not doing so

√ Improve your personal cashflow by arranging insurance without dipping into your own pocket


Estate planning

SMSF estate planning offers opportunities to ensure that the money you leave in your super account goes directly and tax effectively to your loved ones as you intended. There are a number of important issues to consider, including your Trust Deed, the make up of your benefits, your beneficiary nominations, the manner in which you have written them and who will take over the running of your fund when can no longer do so.

Why review your estate plan?To ensure your family is protected and your wishes are carried out, it’s important to clearly think through these questions during your SMSF health check:

» Are you 100% certain your superannuation fund will end up in the hands of the correct beneficiaries?

» Does your Will acknowledge any aspect of your superannuation and vice-versa?

» Are your nominations legally binding or have they already lapsed?

» Are you certain your beneficiaries will not be left with a large inheritance tax bill?

Estate planning can be very tricky, but done well can be very satisfying and ensure you leave a legacy your family will be proud of in the future.


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Benefits of better estate planning

√ Ensure your estate plan takes into account the important legal differences between SMSF’s and other superannuation funds

√ Ensure your SMSF strategies aligns with or differs from your will, as you prefer

√ Effectively plan for the eventual succession of your assets among blended families


Many people who have worked in other parts of the world, including the UK, are entitled to pensions and lump sums in that country. Transferring these benefits to your Australian SMSF can be a rewarding strategy – but it’s important to adhere to the letter of the law and ensure your fund is a complying recognized overseas pension scheme.

It’s also important to get the amount and timing of the funds transfer right, or you could be faced with unintended tax and regulatory consequences.

Why transfer overseas pension benefits to a QROPS?Transferring your overseas pension to a QROPS could give you:

» Better tax rates for your pension benefits.

» The ability to ensure all your benefits are preserved.

» More control over how your savings are invested and transferred to your beneficiaries.

If you believe you might have any entitlement in this area then please write down as much information you can remember about your working time and bring whatever documentation you may have to the interview with your adviser.


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Benefits of a QROPS accredited fund

√ Consolidate your super to invest in areas you want today

√ Transfer overseas pension assets to your SMSF for greater control

Qualifying Recognised Overseas Pension Scheme (QROPS)


You may benefit from a Transition to Retirement (TTR) or Allocated Pension within your SMSF today. Your age and circumstances indicate that you should consider this strategy to accelerate wealth creation and achieve your personal lifestyle goals.

A TTR Pension and Allocated Pensions can be a very tax effective way to provide for your current lifestyle while devoting a higher proportion of your earnings to building your super.

Many trustees are surprised to learn that they can have accumulation and pension strategies running side by side in the fund, which means that if you need to benefit from a flexible pension scheme your SMSF can deliver this to you and your family cost effectively.

Why consider a TTR strategy?Potential benefits of a TTR strategy include:

» The ability to draw an income stream from your superannuation benefits while you work – which if you are aged over 60 will be tax free.

» The ability to replace salary sacrificed income, allowing members of the SMSF to reduce their personal taxation while building their super savings.

» Potential tax benefits created by triggering the pension phase of your SMSF, with all earnings within the fund taxed at zero percent.

If you are currently considering this strategy ensure you get advice on the best steps forward.


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Access your super while you work – Transition to Retirement

Benefits of Transition to Retirement

√ Potentially reduce all tax payable in your super fund

√ Reduce your working hours while earning the same after-tax income

√ Build your super savings faster without sacrificing your take-home pay


SMSF Anti-Detriment Reserves

Our analysis shows that you may benefit from the establishment of an Anti-Detriment Reserve within your SMSF.

This strategy is an effective method of reducing or eliminating the significant impact that the 15% tax has had on your accumulated superannuation savings. For example, if you have made contributions totaling $200,000 and have paid contribution tax of $30,000, your net benefit on death to your family is $170,000.

An Anti Detriment Reserve can help make up that shortfall, by allowing the trustee to pay beneficiaries an amount equal to the death benefit payment they would have received if no contributions had been levied on contributions made on behalf of the member. Anti-Detriment payments made by the Trustee of an SMSF upon the death of a member will also be tax deductible to the Trustee. Importantly, these payments must be made from a “reserve account”.

Why consider an Anti-Detriment Reserve?Creating an Anti-Detriment Reserve could help you to:

» Fund the shortfall created by contributions tax, so your family will not miss out.

» Generate significant tax deductions for the fund. For example, an SMSF that can pay an anti-detriment payment of $60,000 can make a tax deduction of $400,000.


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Benefits of SMSF Anti Detriment Reserves

√ Recoup tax paid by the fund to the ATO on payment of benefit


SMSF recontribution strategy

One of the most critical strategies that you can engage in planning for your retirement is recontribution.

The aim of this strategy is simple: to help ensure that any super you leave behind for your family isn’t affected by a hefty tax bill. Without recontribution, for every $500,000 of taxable component superannuation benefit in your fund, your adult and financially independent children might expect to pay $82,500 in death duties.

Just as importantly for those under age 60 who would like an income stream while working, a higher tax free component will mean less tax when withdrawing superannuation before age 60.

Why consider a recontribution strategy?The benefits of a recontribution strategy may include:

» Reducing the impact of death duties on your family.

» Reducing the tax you need to pay on superannuation withdrawals under the age of 60.

The key challenge is to recycle your taxable superannuation balances into tax free balances using the right techniques for withdrawing and re-contributing money back into superannuation. There are clear rules that need to be adhered to in order for your superannuation balance to benefit from this strategy.

If you have not already put a recontribution strategy into action, then make this a priority in your discussion with your adviser.


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Benefits of recontribution strategy

√ Save your beneficiaries significant tax on payment of benefits


SMSF Contribution Reserves

You may benefit from a Contribution Reserve Strategy within your SMSF.

Contribution Reserves allow those who can make personal deductible contributions to superannuation (i.e. self-employed contributions) to make additional deductible contributions in one year and hold them in a “reserve account” within the SMSF to carry forward to the next financial year.

This can allow you to claim the deduction for the contributions in one financial year, with the contributions being spread over multiple years to ensure contribution caps are not breached.

For example, a self-employed person who has one-off excess profits of $50,000 could potentially contribute all the proceeds to their SMSF as a self-employed concessional contribution.

Utilising a reserve, the contribution could be allocated over two financial years ($25,000 each financial year) while the total contribution of $50,000 would be deductible in the financial year it was contributed. This would lower the tax payable on profits to a maximum of 15%, so long as contribution caps were maintained.

Why consider an SMSF Contribution Reserve?By using an SMSF Contribution Reserve strategy, you may be able to:

» Contribute more to your SMSF when it suits you, without breaching contribution caps.

» Gain tax benefits by claiming a higher level of deductions upfront.


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Benefits of SMSF Contribution Reserve

√ Double your contributions in any one year to increase tax benefits


Our analysis has shown that your SMSF may be able to diversify its investments by borrowing to invest in direct shares or direct property.

Why borrow to invest in property?As a result of amendments to the Superannuation Industry (Supervision) (SIS) Act 1993, complying SMSFs are now permitted to borrow to acquire assets subject to certain conditions.

The benefits of purchasing property in super will depend on the circumstances of each individual investor. In general, the key benefits can be outlined as follows: » Tax deduction for capital payments, interest, and expenses via salary sacrifice » Deductibility of interest, depreciation and other expenses in the SMSF » Capital gains tax rate of 10% for assets held over 12 months, or zero percent when in pension phase » Ongoing income stream of property taxed at 0% when in pension phase » The ability to transfer wealth to your children by leaving them a property investment in the future

For property investors, the ability to borrow-and-invest in super provides an avenue for purchasing investment property with increased tax effectiveness via salary sacrifice, taking advantage of the unique tax benefits provided by the superannuation structure.

Tax Sheltering via Super

» Assessable Income via Salary Sacrifice

» Accumulation: 15% Income Tax, 10% CGT » Pension: 0% Income Tax, 0% CGT » Asset Protection » Tax Effective Income Stream: Transition to Retirement Pension/

Account Based Pension/Death Benefits » Generational Wealth Transfer (In-Specie Transfer) » Need to Consider Preservation and In-House Asset Rules

The Outside World

» Assessable Income Lowered via Deducting Net Rental losses

» Income Tax Rates 20.5%, 34%, 38.5% and 46.5% (inclusive of Medicare Levy)

» CGT on New Capital Gain at Marginal Tax Rate. » Little to No Asset Protection

Could your SMSF stand to benefit from the wealth creation and tax saving benefits that a limited recourseborrowing strategy can allow for?

Limited Recourse Borrowing

Benefits of Limited Recourse Borrowing

√ Borrow to invest in shares or property through your SMSF

√ Use a Limited Recourse loan to buy more assets, sooner, without risking the other assets of the fund

√ Use capital in super to part-fund a direct property


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Notes


The 5 Step Process

Initial consultation

Lifestyle journal

Strategy brief & financial plan

Financial plan implementation

Ongoing wealth coaching & investing

• Clearly define your personal and business objectives.• Identify key strategies that will add both immediate and long term value.

• Map out your current circumstances and opportunities.• Build a complete picture of your current financial situation.

• Conduct iterative ‘what-if’ analysis and prepare a tailored financial model.• ‘Workshop’ alternative scenarios and strategy options to achieve your key objectives.• Develop a plan with clear recommendations and a comprehensive action plan.

• Implement your plan with pragmatic advice and support from our service team.• Apply your tailored financial model as an active “decision framework” in line with your wealth plan.

• Build a quality investment portfolio including direct shares and direct property.• Engage ongoing advice to benefit from new opportunities and support for important financial decisions.

Unison helps you to plan meticulously and take proactive action via a structured 5-step process

Advice Investments Superannuation Insurance Property Finance Legal

» Strategic advice

» Wealth Creation

» Cash-flow, tax & debt structuring

» Retirement Planning

» Direct shares

» Actively managed portfolios

» Industry leading investment research

» Domestic & international investments

» Self Managed • Establishment • Administration • Investment • Compliance

» Group Superannuation

» Personal super

» Life and TPD

» Income Replacement

» Trauma

» Business

» Group Schemes

» General

» Professional Indemnity

» Residential

» Investment

» Off the Plan

» Commercial

» Buyer’s advocacy

» Property Management

» Development Syndication

» Residential

» Commercial

» SMSF /Investment

» Development

» Plant & Equipment

» Vehicle

» Estate Planning

» Property & Conveyancing

» Matrimonial

» SMSF Advisory

» Commercial

Our review of your SMSF suggests that it has the potential to build significant wealth for you and your family. By investing the time to optimise your SMSF strategies today, you can create a valuable asset for the future, ensuring a comfortable retirement lifestyle and underpinning your family’s long-term financial security.

Next steps


Date 2014Name of Superannuation FundNameAddressAddress

Dear Trustee (insert name),

Re: Changes to your SMSF trust deed, documentation and Strategy Review Required

We have recently undertaken a thorough review of all of our SMSF’s as well as each of the funds respective documentation at no cost to our clients, for two important reasons.

This has been undertaken in order to:

• minimise any financial penalties and costs in terms of non-consistent documents – refer Appendix 1, and

• ensure each of our clients SMSF’s are reviewed regularly to ensure they achieve three key things: • Establishing a sound investment strategy which underpins the creation of a diversified and well considered investment portfolio of assets,

• Fully utilising key superannuation strategies designed to leverage SMSF and Tax Law, in order to place the fund in a solid position strategically, and

• Instigating appropriate Risk Management procedures to contain or reduce the impact of any unforseen or adverse activities impacting the fund, or its members.

We have engaged the services of SMSF experts, Unison Financial Group to prepare a detailed report in relation to the above key items. This has been undertaken under strict confidentiality – i.e. without disclosing any confidential information, including the fund name.

Unison specialise in advising on SMSF’s and working with accounting firms to deliver superior strategic advice with the objective of maximising the value of their client’s SMSF.

Potential Strategy Considerations

The key areas of discussion which could improve your funds overall positon include <remove non relevant strategy>:

1. Reviewing the position of your current Deed

2. The current status of your Trustee

3. Your Investment Strategy

4. Your Insurance / Risk Management protection


5. Estate Planning considerations

6. Overseas Pension entitlements

7. Transition to Retirement Strategies

8. Anti-Detriment Reserves

9. Re-Contribution Strategies

10. Contribution Reserves

I will shortly be contacting you to discuss our findings with the aim of scheduling a meeting with the Trustees, in order to review the documentation and key strategies, which could substantially improve the value and positioning of your Superannuation fund.

Yours Sincerely

<Accounting principal>


Appendix 1: UPGRADING YOUR TRUST DEED TO AVOID PENALTIIES

As stated in our letter, in order to minimise any financial penalties and costs in terms of non-consistent documents, we have decided to use a comprehensive range of SMSF documents to assist our clients. These include trust deeds, pensions, SMSF Loan documents, SMSF loans, SMSF Wills, lump sum payments, minimum pension payments and much more. Currently having multiple source documents requires constant review of documents by the firm when undertaking transactions in the fund. For example it is not uncommon for Gadens lawyers, working for Westpac and St George bank to charge a $2,000 SMSF trust deed review fee when a Trustee of a SMSF borrows through them and the documents have not been vetted previously – such as the trust deed we now utilise. There is no change to the cost of your service or documentation.

We will be discussing the annual trust deed upgrade as the Commissioner of Taxation has stated in his important “Guide to SMSF Trustees” that “as a trustee, you need to make sure the trust deed is regularly reviewed and updated so it complies with the super laws (including changes to the law) and the members’ needs.” However we will now have in place a full suite of documents that specifically tie back in and are linked to the fund’s governing rules.

As an aside the trust deed to be used with all client SMSF’s, is the most strategic deed in the market and some of the additional strategies allowed under this deed that you will be able to take advantage of include:

Superannuation Change Strategy Opportunity

Blood line death benefits

This strategy now imported into the 2013 NowInfinity

trust deed that we use allows the members of the fund

to limit any superannuation death benefits payable to

bloodline dependants and non-dependants only - either

directly through the fund or indirectly via the estate of

the deceased member or testamentary trust. A number

of clients have already thought about and used this

important strategy which prevents the passing of your

superannuation benefits outside your bloodline.

De-facto contributions

The Commissioner now allows a member or other

party to meet an expense of the fund and treat it as a

contribution.

Pension start up and commencement

A final ruling issued recently has set down laws in

relation to the tax exemption of pension assets and

when it applies and more importantly where the tax

exemption is lost. The NowInfinity trust deed ensures

that the pension continues as does your membership to

the fund even on death where your Executor continues

it on in your absence – an important mission.


Loss of Mental Capacity

Where a member loses their mental capacity to act as

a trustee or director of a corporate trustee of the fund,

their legal personal representative is automatically

appointed to take their place in the fund ensuring

security, continuity and no legal fights over their

superannuation benefits.

Family Law or De-Facto proceedings –

removal of member

The Trustee of the Fund can remove a member of

the fund subject to Family Law or De-Facto legal

proceedings if it is in the best interests of the Fund to do

so. This allows parents to bring adult children into their

Fund but still ensure that their SMSF assets are safe

if the child divorces or is subject to a de-facto assets

proceeding.

Insurance Strategy Requirements

The Trustee of a SMSF must review the Fund’s

investment strategy regularly and as part of that review

the Trustee must consider the insurance needs of all of

the Members of the Fund.

Abolition of the Excess Concessional Contributions

Tax

From 1 July 2013 pre-tax contributions made on behalf

of a member of a fund by an employer or self-employed

is not subject to excess concessional contributions tax

of 31.5% but taxed at a member’s marginal tax rate less

15%. These new rules have been imported into the

2013 deed.

Quite apart from the above a couple of the most important announcements made by the Commissioner that impact the majority of our clients and thus need urgent action, including a deed upgrade are:

1. SMSF Wills not Binding Death Benefit Nominations

The Commissioner and the Courts have said that the superannuation fund trust deed not a binding death benefit nomination is all important in the destination of a deceased member’s death benefits. A recent case has seen a sister take all of the father’s superannuation benefits rather than share 50/50 with her brother as required under the father’s will because the father’s will had no validity in terms of his superannuation benefits and the binding death benefit nomination was subject to the remaining trustee – his daughter’s discretion. The NowInfinity trust deed that we use allows a binding SMSF Will which sits alongside the trust deed and binds the trust deed on what is to happen with a deceased member’s superannuation benefits and in some cases the assets of the fund on the member’s death. SMSF Wills are secure, safe, certain and compliant with the superannuation and death benefit laws.


2. Auto-Reversionary Pensions to prevent CGT on death

The Commissioner has released a ruling that states on death a member’s pension dies along with the member. As such the tax exempt pension assets must be transferred back to the deceased member’s accumulation fund and any payment from the accumulation fund will attract 10% capital gains tax. However with a simple auto-reversionary pension – a continuation of a member’s current pension on death will see no CGT on death if a lump sum payment is made from the continuing pension member’s account. Some of our clients with simple one member pensions have already gone about converting their pensions to auto-reversionary pensions to escape CGT on death for their family.

3. Appointing a Guardian on Death to secure your SMSF Will

The new trust deed offered to clients was upgraded in January 2013 to introduce the ability to appoint a guardian to protect a deceased member’s SMSF estate planning wishes through an auto-reversionary pension or SMSF Will. The Trustee of the Fund gives up their power in favour of the Guardian in relation to the deceased member’s benefits only.

4. How to Upgrade

The deed that we have chosen for our clients to ensure that they remain current and compliant has been written by Australia’s leading SMSF expert and Chairman of the Australian SMSF Members Association - Grant Abbott – the NowInfinity Trust Deed. We have reviewed it extensively and consider it to be the leading SMSF trust deed in the market as well as having access to the extensive technical resources of Grant Abbott and NowInfinity. Accordingly we will discuss this particular Deed during our meeting as a starting point for the further review of your SMSF.


Suggested Client Contact Script • Accounting firm principal makes the client call at all times • Principal is familiar with the SMSF details • Objectives: • to confirm the client will agree to meet with firm and Unison in order to discuss their SMSF • confirm the meeting date and time. Script as follows:

Hi <client>

I’m calling about that letter we sent you about your SMSF.

Q: have you had a chance to read the letter? Gauge feedback – as it could table a number of items which would be useful in any meeting / work required.

Given the importance of your SMSF, and the need to make sure it’s working for you the way it should – I.e. to increase your wealth - we’ve been working with a firm who specialises in SMSF’s and assists accounting firms and their clients with a thorough review of the fund.

We felt it’s important to be “on the front foot” and do this for all funds including yours - at no cost to you or your fund. We’ve also maintained confidentiality.

We also wanted to make sure we are up to date with all regulatory requirements, and never have to worry about any ATO issues for you (i.e. penalties etc) and to make sure we’re giving you the advice you need.I think it’s important that we meet and review the report.

I’ll also have one of the Unison Directors attend, so we can cover the key aspects of the report with you, consider their expert thoughts on the how we can improve on any area, and if we need to make any changes.

What day / time would you suit you to meet?

Potential Objections: • Do I really need to? • Absolutely – given the importance of the fund, the costs, etc we really need to make sure we help you maximise its value. I wouldn’t suggest it if I didn’t think so. • Too Busy • We’re talking about 45 mins – it’s important enough to at least meet with and discuss one of your most important assets. • Think the fund is doing OK • It might be. But we want to make sure. It won’t cost you anything and we will be able to discuss some possible strategies which could further benefit the fund results. • What will it cost? • The meeting will cost absolutely nothing. • Who is Unison? • Unison are one our business partners. We have been working with them now for several years. They’ve assisted a number of clients improve their financial position and we have absolute faith in them. • What is Unison trying to sell? • Nothing. They are specialist in SMSF advice and work with many accountants in a similar way to us.



Helping SME clients to maximise their wealth potential

Unison SME Discovery Process

A tool to help you identify your SME clients financial needs and opportunities

Small / Medium Enterprise (SME) Asset Builders Asset Protectors

» Family run business / partnership

» 10-100 staff with turnover of $2M (min) to $20M+

» Potentially tertiary qualified

» Run as a business rather than just a job

» Looking for expansion opportunities

» Incomes of $250K+ pa

» Value and pay for advice

» Cash flow rich

» 30s-40s

» Family income of $200K+ / Individual $120K+

» Investable assets / super combined of $500K+


» Time poor

» Technology savvy

» Professionally qualified

» Young and growing family with debt

» Early 50s - early 60s

» Professional / successful business people (SME owners)

» Mix of assets of $3-10M with up to $1M+ of investable assets

» Family income either from work ($250K+) or retirement ($100K+ streams


» Focus on retaining & growing their wealth

» Family Groups / Wealthy Individuals & Couples

Online Referral Process

How to notify Unison of a potential client referall in 3 easy steps

Step 1: Go to: www.unisonaccountinggroup.com.au

Step 2: Complete the Online - Client Health Check form and the discovery box

Step 3: Press Submit

Unsion will call to discuss the client.

Ensure you have attached any material relevant to the clients circumstances for Unsion to review.

Building the Bridge of Client Engagement by Identifying their Critical Needs


The Unison Discovery Process is an integral part of the Unison Vision Programme - along with the:

» SMSF Matrix - focussing on SMSF Funds, and the

» Client Diagnostics - focussing on clients in general.

1. Discovery Process Primary Objectives for a successful review session are:

1) focussing on assisting SME (or Business ) clients improve their financial positon,

2) ensuring each session focusses on the review by a Unison adviser, of a prioritised selection of between 4 - 6 SME client files (i.e. max review of say 30 mins per file) which have been identified by you as clients who need assistance,

3) confirming a minimum of 2 client referrals each month.

Note: Time required for each session: a maximum of 2hrs on a set day / time each month.

2. Please use the Qualifying Criteria in Selecting which SME Client Files To Review:

3. What Happens Once We Review A File and Identify a Client Who Needs Assistance

a. Step 1: Call the Client - with a follow-up email re-confirming the key points of your discussion and confirming the “Next Steps”. You may also wish to send them the SME Flyer.

1) Key Points to emphasise: the reason you are making contact is that you believe the client can enhance their wealth / financial position (re any of the items listed above) and would benefit from an introduction to your wealth partner Unison.

2) You may wish to send a letter first for some clients – refer to our standard Wealth letter in the Success Kit – point 4.

SME Characteristics: a desire to create and protect wealth both inside and outside their business using strategies such as:

» Establishing or reviewing their Personal, Key Person or Business insurance

» Refinancing or securing new investment loans for commercial or residential property

» Finding the right investment property or acquiring a new business premises (via the Unison Property Wealth Solutions offering)

» Requiring finance for plant & equipment, or vehicle finance (inc. fleet finance)

» Estate Planning needs

» Preparing Buy / Sell Agreements

» TTR Strategies

» Business Succession Planning



a. Step 2: “Next Steps” - when speaking to the client – allow several days if you decide to send a letter - it is CRITICAL to let them know that:

1) You can either schedule the meeting directly with Unison, or request that Unison call the client to do so.

2) If the latter, it is Very Important that you advise the client the following:

a. You will be asking Eli Palma of Unison Financial Group to call the client with the aim of arranging an appointment for the reasons stated above

b. Request the client to please take the call from Eli Palma of Unison Financial Group, who is calling to schedule an appointment

c. Note: once we have secured the appointment we will advise you of the respective detail or if we are having difficulties in contacting the client we will revert back for your assistance.

4. Your Success Kit: Material Which Will Assist You in the Referral Process and in your discussions with select SME’s, comprising:

a. Client Focus - SME’s …. although the process can be used for other client groups if needed

b. Client Script - please refer to the attached script for guidance and in handling any potential objections when you are speaking with the client

c. Email Confirmation - please refer to the attached draft Confirmation email.

d. Draft Client Wealth letter - if this type of first contact is preferred,

e. Discovery Form - this form has a dual purpose and can be used either for SME clients or when reviewing clients in general (Asset Builders / Wealth Creators or Asset Protectors / Pre-Post Retirees) – either in meetings or when completing their tax returns.

f. FAQ - which covers further Q’s the client may ask you.

g. SME Flyer - Copies of our flyers (Female and Male versions) are also attached for your review and distribution to selected SME clients.




Suggested Script as follows

Hi <client>

I’ve been reviewing your financial / tax position closely and believe that you are in a great position to leverage your business cash-flow / capital / growth opportunities / market position – and use the business to create some real wealth outside the business.

We felt it’s important to be “on the front foot” and make this contact so that we can introduce you to our wealth and advice partners Unison Financial Group. One of Unisons senior advisers / Directors is working with <accounting firm> very closely and has assisted several other clients in a similar position as you.

Given the importance of your business it’s critical that we review all options to make sure we maximize the value it holds for you and the family. I.e. we need to make sure it’s working for you the way it should – I.e. to increase your wealth.

That why we have been working with Unison – they also specialize in working with business owners such as yourself and can are very capable in delivering sound and practical advice.

I’ll also have <adviser / Director> attend the meeting as a starting point.

What day / time would you suit you to meet?

Client Confirms - Great – I will also send you an email confirming the scheduled meeting time (you may wish to attach select client collateral) / date, OR I will ask Eli Palma of Unison to call you and schedule a meeting time. Please ensure you take Eli’s call.

Client Defers - Suggest again as per above reason, to schedule meeting – if there is no progress – defer the discussion until the client meets you for their annual tax discussion….. but, send them an email with select marketing collateral, advising that when they are ready to take this step you will be very pleased to arrange the meeting with Unison.

Suggested Client Contact Script

Accounting firm principal makes the client call at all times to convey his/her belief that the SME Client has the opportunity to create wealth with the benefit of meeting with Unison Financial Group.

» to confirm the client will agree to meet with Unison in order to discuss their financial position.

» confirm the meeting date, time and location.

» ensure you advise the client Unison will be making contact and they must take the call.



Potential ObjectionsDo I really need to? Absolutely – given the importance of your business and the opportunities provided you, we really need to make sure we help you maximize its value. I wouldn’t suggest it if I didn’t think so.

Who is Unison? Unison is our Wealth & Advice partner. We have been working with them now for several years. They’ve assisted a number of clients improve their financial position and we have absolute faith in them.

What is Unison trying to sell? The reason we’re referring you to Unison is because as your accountant, we want to make sure we are looking after you, and that you achieve your wealth objectives. We feel Unison can genuinely help you.

Too Busy Yes I know your time is limited, but we’re talking about 45 mins – it’s important enough to at least meet with Unison because they are specialist in this area.

What will it cost? The meeting will cost absolutely nothing.

Unison Discovery – Suggested Client Email Confirmation

Hi <Client>

As agreed, we have confirmed our meeting for: • Date • Time • Location

The purpose of the session is to review how we could use the businesses <cash-flow / capital / growth opportunities / market position / other> to help you maximise your financial position.

I will also invite <adviser / Unison Director> to join us.

<adviser / Unison Director> has worked with many businesses in a similar situation and can discuss firsthand how he and Unison can help us.

Optional - I have also attached some material for your review about the services Unison provides.

I look forward to catching up.

<Accounting Principal>


<Print Date>



We’d like to meet with you to discuss using tax-effective strategies to build and protect your wealthWe are always looking for ways to help you build and protect the wealth that our clients have worked so hard to create. So after reviewing your file and assessing your situation, I believe you’d benefit from meeting with us and a representative from our Wealth & Advice partner, Unison Financial Group.

Our initial meeting should last for no more than one hour and there is no fee payable for this session, giving you the chance to find out more about some tax-effective strategies you might not know about.

How our advice can help you (note: remove items not appropriate)At our meeting, we’ll explain a number of strategies that could help you, including:

» Building your super and reducing your tax with salary sacrifice.

» Using franking credits within your super to reduce your tax or get a refund.

» Borrowing to purchase an investment property so that your interest and property maintenance expenses may be tax-deductible.

» Safeguarding your ability to earn a living with Income Protection insurance and claiming a tax deduction on your premiums.

» Protecting your wealth for vulnerable family members, from potential creditors and enjoying better tax rates, by setting up a family trust or company structure.

» Creating a simpler, more flexible SMSF by setting up a corporate trustee structure.

» Making a smooth, profitable exit from your business by putting buy/sell agreements in place.

What happens next?We’ll be in touch within the week to schedule an appointment time that suits you. But in the meantime, if you have any questions, please call me on [phone number].


Yours sincerely

<Signature>



1. How much does it cost for the first meeting - our financial strategy consultation?

There is no cost for the first 30 minutes of our meeting. This time is set aside to establish good will, discuss the possible ways we could assist the client and agree on “next steps”.

Should you decide to proceed with the consultation, the fee is normally a maximum of $495.00 and is rebated should you decide to formally engage Unison.

2. Will I be locked into a contract for any period of time?

No, there is no minimum contract period that applies. If you decide to cease all services and advice, we will cease fees and service, within 30 days of being formally advised.

3. How much will I be charged if I request all or part of your services?

There is no standard fee. We provide an estimate of costs based on the services you request us to undertake on a fee-for-service basis. As no two people have the same situation, no one person will require the same services in the same manner.

Frequently Asked Questions

4. What if my situation changes?We are experienced in dealing with constantly changing circumstances and our advice allows for changes that will inevitably occur.

5. There is a significant change happening shortly in my life, should I wait until after that before we seek financial advice?No! it is always better to seek advice before any significant changes so that you are best prepared and have the most effective strategy in place ahead of the change. Should you begin by establishing the right structure to receive an inheritance, devise a strategy in place to maximise a redundancy payment or even find a better finance option for the next property purchase you could be able to prevent paying additional tax or fees unnecessarily.

6. If we prefer direct shares and properties, can you help us?Yes. There are many areas of your financial world that we assist with, investments being a key component. We have a direct investment model that is transparent and not aligned with any major institution.

7. I already have a financial adviser, why do I need to see you?Unison works in association with your accountant to address issues in your financial world. When you see Unison for advice, we review your overall situation and work with you and your accountant to ensure that all aspects of your financial world are working in unison.

8. Can you advise me over the phone rather than having a meeting? If not, does my spouse/partner need to be present at the meeting?Much like seeing a doctor, it is difficult to accurately assess issues completely over the phone. We are happy to call and discuss some of the preliminary information and processes, but we will need to meet you in person, usually in the same meeting as when you see your accountant. If we are going to provide advice to you and your spouse/partner as a couple, then it is important that we meet both of you to ensure we have agreed and measureable objectives.

9. Why has my accountant chosen to work with Unison?Your accountant recognised the need for clients to receive sound financial advice. Unison has an experienced executive and advice team and only works with professional services firms, such as your accountant.

10. Is the service expensive?Unison provides a very cost-effective service and don’t take investment advice commission. Unison charge on a fee-for-service basis, meaning you only pay for the services that add value to you. Unison’s direct advice and investment model strips away the layers of fees associated with a typical financial planning business.

11. Is my accountant involved in the advice process?Absolutely. Unison believes that advice always works better if it integrates the financial and tax components. That is why your accountant has engaged Unison and is involved in the advice process - from their area of expertise.

12. How do I know Unison will add value?You were specifically referred to Unison as your accountant believes there are a number of areas where Unison can add value to your circumstances.

13. How does Unison get paid?Unison operate under a fee-for-service arrangement. This means that prior to any work being undertaken, a fee is agreed to by all parties. This fee is paid by you, or via your superannuation, directly to Unison. It is important to note that as Unison do not accept investment advice commission, you should at all times clearly understand how much you are paying and what is actually paid to Unison.

HEAD OFFICE VICTORIA: Level 4, 863 High Street, Armadale VIC 3143POSTAL: PO Box 8094, Armadale VIC 3143 Australia

t: 1300 UNISON (1300 864 766)www.unisonfg.com.au | www.unisonaccountinggroup.com.auUnison Financial Group Pty Ltd ABN 78 143 491 605

Unison Wealth Management Pty Ltd AFSL 289621 Unison Finance Services Pty Ltd ACL 426 273

Unison Property Pty Ltd - Estate Agents License 074045L(member of REIV) Copyright © Unison Financial Group 2014 October 2014

Business Owners

Are you Looking for more from your Business... Financially Speaking?

Have you asked yourself: » “ Are there smarter ways to manage my cashflow that will reduce my debt and lower the amount of tax I pay?” » “ How do I extract more value from my business so I can create personal wealth, like growing a portfolio of property and shares? ” » “ Could I be doing more by making use of Private Trusts and Self Managed Super? ” » “ Am I building a saleable business or am I just building myself a job? ” » “ How long would my business last if I wanted to take an extended holiday, or was temporarily unable to work? ” » “ Do I have adequate general insurance cover in place to protect my business assets and indemnify myself

against unforeseen liabilities? ” » “ Is there a better way to build my business, achieve an enjoyable lifestyle, pay off my debt, fund the kids through

school, and build a valuable asset base to fund a great retirement? ” » “ How do I replace lost business income due to the loss of a key person in my business? ” » “ How do I protect my equity interest in my business? Do I need a business succession plan? ” » “ How do I repay business debts when they fall due, should a business owner be unable to work due to illness or injury? ”

Unison will work with you to implement a cohesive strategy and plan to make the most of your money and investment opportunites. You will save time, save money and receive expert support for all your planning and decision making requirements – simple or complex. Contact Unison on 1300 UNISON or www.unisonfg.com.au

Your Trusted Adviser TeamUnison works in partnership with the clients’ accountant and other professional advisers to provide relevant and comprehensive financial solutions, tailored to the needs of our clients, their families and their business.

Our Integrated Services OfferingUnison provides an integrated financial services and wealth offering to clients of accounting firms on the fee-for-service basis, delivered by salaried advisers. We operate under our own Australian Financial Services Licence - Unison Wealth Management Pty Ltd (AFSL 289621).

Our ServicesOur wide range of services cater for the varying needs of clients at every stage of their lives.

Advice Investments Superannuation Insurance Property Finance Legal

» Strategic advice

» Wealth Creation

» Cash-flow, tax & debt structuring

» Retirement Planning

» Direct shares

» Actively managed portfolios

» Industry leading investment research

» Domestic & international investments

» Self Managed • Establishment • Administration • Investment • Compliance

» Group Superannuation

» Personal super

» Life and TPD

» Income Replacement

» Trauma

» Business

» Group Schemes

» General

» Professional Indemnity

» Residential

» Investment

» Off the Plan

» Commercial

» Buyer’s advocacy

» Property Management

» Development Syndication

» Residential

» Commercial

» SMSF /Investment

» Development

» Plant & Equipment

» Vehicle

» Estate Planning

» Property & Conveyancing

» Matrimonial

» SMSF Advisory

» Commercial




Unison Property Pty Ltd - Estate Agents License 074045L(member of REIV) Copyright © Unison Financial Group 2014 April 2014

Unison Financial Group is not owned by any financial institution, and is not obligated to any fund manager or investment house. This means that any advice offered by our professionally qualified salaried advisers is done so on, a completely unbiased basis.

Unison’s financial advisers form part of the client’s team of professional advisers.

The Way we Work with You is DifferentOur strategic advice process ensures that all aspects of out clients’ wealth issues - personal, family and business - are considered to formulate out initial recommendations, and to be used as the platform of our ongoing review and advice.

We need you to know:

» We are not owned by, or associated with, any provider of financial products » You engage our services on a free-for-service basis - no hidden fees and commissions » All of our advisers are salaried employees and successful investors in their own right » We do not engage in any work unless first authorised by the client » Our focus remains exclusively on meeting clients’ personal, family and business wealth planning objectives

Client Name: Date of Brith:

Spouse Name: Date of Brith:

Do you have any children / financial dependants Yes No Age(s):

Client Information Request

Client Discovery Form

Do you have?

Lawyer: Yes No Details:

Financial Advisor: Yes No Details:

Employment Status: Employee Self-Employed

Employment Start Date:

Do you have a company? Yes No

What does your Company Do?

Do you have a trust? Yes No

Do you have a self managed superannuation fund? Yes No

Do you make salary sacrifice contributions? If so, how much? Yes No $

How much do you have in superannuation? $

Do you have investments in managed / retail funds? * Value? Yes No $

Do you have investment properties? If so, how many? Yes No Number:

Residential Status: Own Mortgage Rent

With Parents

When did you start living here? Month Year

If you have a mortgage on your home? Yes No Amount $

Do you have any other loans in place? If so, their value? Yes No $

What is the market value of your home and what is the loan on it? $ Loan $

If you have a current will, when was it last updated? Yes No Date:

Does your will have a testamentary trust? Yes No

Do you have any powers of attorney? Yes No

Do you have life insurance? If so, cover amount? Yes No $

Do you have income protection insurance? If so, cover amount p/m? Yes No $

Do you have trauma insurance? If so, cover amount? Yes No $

Do you have TPD cover? If so, cover amount? Yes No $