Guidance that makes a difference...Financial advice built for you

Your financial future - sorted.

What to expect

Mirador Wealth Management is a privately owned, fee for service financial

advice firm. We take pride in providing quality advice, client service,

and on providing strategy focused financial guidance, not

product, at a reasonable cost to our clients. We strive to provide portfolio management that is adaptive, low cost, and via transparent investment choices that will put your financial goals within reach.

Our post-graduate qualified advisors go above and beyond to bring you

strategic investment management, superannuation and retirement planning,

and can make sense of complex components to your financial life, such as:

— portfolio management;

— superannuation and self managed super funds (SMSF’s);

— investments via shares and Exchange Traded Funds (ETF’s);

— property advice;

— insurance and risk management;

— debt structuring and tax efficiency; and

— estate planning

We educate:We believe that our advice should be easily understood, and that it makes sense. We do this through educating you on why any recommendation is made.

Our straightforward advice partnership, via a six-step roadmap lays out how we provide your own tailored financial advice. One of our commitments is to provide clear and transparent advice at all times, that you can follow at any stage.

Discovery meetingThe initial, obligation free meeting

starts as an opportunity for your

personal senior financial advisor to

start to build an understanding of

your current financial situation, and

to help establish if we have a basis

for a positive working relationship.

In advance of this meeting, you

will receive an introductory pack

that provides you with documents

to complete and return to us, most

commonly a short 5 Minute Health

Check and an About You Questionnaire.

In order for us to fully grasp and

understand your circumstances,

including your assets, liabilities,

income and expenses (your own

personal balance sheet/profit and

loss statement), we ask that you

also provide other documents such

as superannuation statements,

tax returns or share and property

holdings for our initial meeting.

From there we can build a personalized

profile that will cover your goals and

objectives, as well as a realistic pathway

and time-frame for achieving them.

Strategy developmentAfter you and your personal financial

advisor have made your first steps

to building a working partnership,

we begin developing your tailored

plan by aligning your finances with

your goals and objectives. As an

example, you might want to seek

out ways to reduce tax, to boost

your superannuation, to establish an

allocated pension, or simply to manage

your portfolio more proactively.

We strive to help you achieve these

goals, by providing a detailed road

map and strategies to protect,

secure, and enhance your future.

Financial plan preparationOnce we have built a tailored financial

strategy for you, we will document it

in writing so that you know exactly

what and why we recommend various

strategies, how your money is to be

invested, the benefits of the strategies,

how much our services will cost, and

the ongoing services we will provide

in partnership with you. This written

document is called a Statement of

Advice (SoA), an important legal

document, and is also the starting

point to you reaching your goals.

Our approach to investment includes

a managed portfolio of directly

owned assets, wherever possible.

This means that we avoid what often

are underperforming and expensive

managed funds usually owned and

managed by banks or large financial

institutions, and we can ensure that

your funds are invested conservatively

in a tax-efficient, low cost manner.

Our advice process

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We base our service on understanding, and developing meaningful relationships with our clients, so that we can add value to you as your situation or needs change. This provides you with assurance that you are looked after by staff that are judged on your satisfaction, rather than via product sales you may find elsewhere.

Plan presentationOnce your Statement of Advice is

ready, we will reach out to organize

a meeting to guide you through our

recommendations. We will break down

any complicated concepts into plain

English, using easy to understand ideas

so that you may fully grasp how we

intend to assist and why and how that

benefits you. We will go step by step

through each recommendation in your

plan, and break down our reasoning

for making each one and the impact it

will have on your financial situation.

Each recommendation will be carefully

justified and tailored to your situation,

with alternatives offered, so you can see

the rationale for each recommendation.

Our investment strategy is only a

piece of your overall plan, but like

all other strategies, it is transparent,

straightforward, and easy to

understand. There are very limited

situations in which we would

recommend taking significant

risks, unless we both agree that

it is absolutely necessary.

Implementing your planAfter the presentation meeting,

and once all recommendations

are understood and agreed to, we

will complete the initial work by

implementing each recommendation

in a timely, cost and tax-efficient

manner to ensure that your plan takes

the form of action. As an example

of various actions we undertake, in

many situations we can establish

self-managed superannuation funds,

establish pension accounts, make

share purchases, liaise with your

lawyer and accountant, and establish

investment accounts. The complexity

of your situation can also affect the

timeframe for implementation, and

sometimes a full plan of action can

take from a fortnight to a few months.

As per the rest of our partnership, we

provide communication and updates

throughout, and we have dedicated

tasks and project management to

ensure that all items are completed

as efficiently as possible.

Goal focus and ongoing managementWe understand that your life is

constantly evolving, and likewise, so

are regulations and legislation that

may affect your situation. After initial

recommendations and once implemented,

this is by no means a “set and forget”

type approach. We provide ongoing

support and portfolio management,

so that not only will you stay on track

with your goals, but you can also benefit

from any changes in legislation or shifts

in your own priorities. We provide

regular meetings with you at intervals

that are convenient for you, as well

as communication that incorporates

your portfolio and legislative changes

throughout the interim periods between.

If you happen to be interstate or are

overseas, we can provide either video

conferencing or phone conferences.

In addition, you are always welcome

to call or email us with any questions,

concerns, or queries regarding your

financial decisions or situation.

As a client, your investments will be

actively handled by a professional

portfolio manager utilising Exchange

Traded Funds (ETF’s) and shares

where possible, rather than expensive,

and in many cases, underperforming

and expensive managed funds.

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How we look after your investments

Where appropriate, we look to provide you with a more transparent and personal approach with your money, giving you proper investment advice (rather than a managed fund approach used by others). How this benefits you is through a number of ways.

Control – Your portfolio’s assets are held individually, as opposed

to being pooled with others in a unit trust or managed fund. This

provides you with greater control over your investment outcomes.

Flexible – Your holdings can be adjusted to meet specific needs such as

accommodating other investments, specific requests or share transfers.

Tax Efficient – You only receive the income and capital

gains or losses directly attributable to your investments. This

enables you to effectively manage your tax position.

Transparent – We provide 24/7 access to your investment

information via a secure website. This allows you to monitor

information such as holdings, transactions and dividends.

Risk Management – Your portfolio is managed by investment

experts to build and protect your wealth and by professionals who are

skilled in applying asset allocation to effectively meet your objectives.

Australian Equities

International Equities

Property

International Fixed Interest

Australian Fixed Interest

Cash

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%

2004 2007 2010 2012

A typical advisor’s portfolio for their clients

We admit it, we’re different.

While your typical advisor may state that they’re providing investment

advice, what are they actually doing? Over the years, we’ve found that the

vast majority rely on a philosophy called strategic asset allocation. What this

entails is no different to what you already may have held in superannuation

or your investments prior, where 25% of your investments are in Australian

shares, 30% in international shares, etc. largely via managed funds, which

themselves are often expensive. Once a quarter or other predetermined

date, your portfolio goes back to the predetermined 25/30% split.

This may be appropriate, depending on your situation, however

it does mean that your money is essentially timing the market

based on the date of your “rebalance” rather than any actual

economic factors both global and domestic. This may mean

you are holding on too long to certain assets simply because

your rebalance date is not for another few weeks or months.

Our Investment Philosophy

01-SEP-04

01-SEP-05

01-SEP-06

01-SEP-08

01-SEP-07

01-SEP-09

01-SEP-10

01-SEP-11

01-SEP-12

01-MAR-05

01-MAR-06

01-MAR-08

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01-MAR-11

01-MAR-12

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%

Non-Model

Cash - Defensive Asset

Income Securities - Defensive Asset

High Yield Income Securities - Risk Asset

Listed property - Risk Asset

International Equities - Risk Asset

Australian Equities - Risk Asset

SOURCE: Farrelly’s

What we believe.

DYNAMIC ASSET ALLOCATION

Dynamic Asset Allocation approach takes an active stance to the allocation

of your money between the various asset classes based on market conditions

and the forecast future returns expected from each asset class. It means that

the allocation of your funds between asset classes will change based on a

comparison of valuations and expected returns between the asset classes,

so your portfolio moves to an overweight stance in asset classes where we

expect good future returns and vice versa. Expensive or overpriced assets

mean likely low future returns or even capital losses, so exposure is actively

reduced over time, potentially to zero if an asset class becomes very expensive.

Losses still can and have historically occurred, similar to other

strategies, but there is active management in your tailored

approach based on your needs, as well as economic factors, rather

than simply because of a pre-determined rebalancing date.

An example of a tailored portfolio for our client

How our Partnership Works

Government Legislation

YOU,THECEONeeds

Goals

Priorities Objectives

Lifestage

Family Needs

Unexpected Changes

Investment Advice

Wealth Management

Tax Advice

Debt Management and Efficiency

Estate Planning

Personal Risk Management

Retirement Planning

Cash Flow Management

Property Advice

Philanthropic Gifting

US,

Shares & ETF’s

YOURCFO

What clients say about us

At Mirador Wealth, we are just like you. We want to enjoy life in the present while building a stable future. Whatever the stage of life you’re experiencing right now, we can help you.

Marcus and his team provide smart

and effective financial strategies that

are easily understood. Taking a holistic

approach to wealth, they go above

and beyond to understand the clients

values, so that the strategies they

recommend fits their clients' needs. I

wouldn't hesitate to recommend them!

Marcus is an extremely professional,

friendly and capable advisor. It is

clear he is passionate about putting

you as the client first and makes

sure you understand the process

in an easy to understand manner.

I will have no hesitation referring

family and friends to Marcus.

Kristin J.Brisbane, QLD

Russell MenziesManly, NSW

The best decision we have ever

made is to speak to Marcus from

Mirador Wealth - not only have we

managed to pay off our debts but now

saving for an investment property.

We can’t thank you enough.

Di and Sashe StrezoskiBexley North, NSW

As a mum and a part time employee,

I didn't think I needed any help.

Marcus identified for me a high

performing super fund with great

protection for my child. He also

set up a great cash investment

account for future education costs.

Megan M.Kings Langley, NSW

Marcus assisted with a review of my

current financial situation; he was

invaluable in providing key, relevant

advice, and assistance to restructure

my superannuation, to help me achieve

my future plans and goals. Marcus took

the time to understand and identify my

needs, and investment comfort levels,

and tailored a financial package for me.

Amanda ExtonOatley, NSW

I strongly recommend Marcus for

retirement planning. I was nervous

about my upcoming retirement but

Marcus provided a detailed review of

my financial position and explained

what my superannuation can do. His

regular updates have been helpful too.

Pam MStrathfield, NSW

Marcus is professional, knowledgeable

and was willing to answer all

the question I had! He quickly

analysed my current position

and provided valuable advice.

Camillo RossiNeutral Bay, NSW

Marcus was great to work with and made every seem so much simpler. I’ve

recommended him to my family and would work with again in a heartbeat.

Marcus came highly recommended to us from a business associate and we’re

extremely happy with his knowledge, efficiency and professionalism in getting

us what we needed. There were some challenges presented and his ability

to articulate what was actually going on made it such a easy process.

David Rose Baulkham Hills, NSW

Having known & worked with Marcus over a number of years he was a natural

choice to look after my financial planning. He has an excellent working knowledge of

which super funds & insurance products were suitable for mine & more importantly,

my family’s needs. Making sure they are looked after if anything happens to me

was of paramount importance & Marcus made sure everything was taken care of.

Michael CampbellPyrmont, NSW

Marcus is very attentive and

worked hard to simplify my needs.

Would recommend for young

and old professionals and those

who want personal service.

Mahesh RoySurry Hills, NSW

Meet your CFO at Mirador Wealth Management

Marcus is the founder of Mirador Wealth Management and principal advisor.

He has been quoted in several publications, and is sourced as an expert in

financial advice and investment trends, both domestically and abroad.

Marcus started Mirador Wealth Management as a different type

of financial advisory practice, one that focuses on strategies and

client goals, rather than products or sales incentives.

Marcus is a member of the Association

of Financial Advisors (AFA), the Financial

Planning Association of Australia

(FPA), and the Mortgage & Finance

Association of Australia (MFAA). He is

a Fellow of the Financial Services

Institute of Australasia (FINSIA) and

holds a Master of Applied Finance &

Investment (MAppFin.) in addition to his

Bachelor’s degree, and advanced diplomas

in finance and financial planning.

I looked at the financial advice

profession, and I saw how many

players were linked with big banks,

investment or insurance companies.

Whilst this doesn’t prove conflicts

of interest, I wanted my clients

to know that they get advice for

their own needs, rather than to hit

a sales target for a third party.

Qualifications : – Master of Applied Finance

and Investment – Bachelor of Business – Advanced Diploma of

Financial Planning – Diploma of Finance and Mortgage

Broking Management – Direct Equities and

SMSF accredited – Justice of the Peace NSW

MARCUS ROBERTS

www.miradorwealth.com.au

Authorised representatives of Synchron AFS Licence 243313