CORPORATE PROFILE2014

Superannuation PropertyFinancial Planning

A Big Trend

Our residential and commercial investment property market is the growing

asset class of investors buying property with their self managed super funds

(SMSF’s).

The opportunity to secure your wealth in retirement has never been better,

costs have dropped sigficantly and quite simply more people are taking the

time to understand the benefits.

Our mission is to provide our clients with the most cost effective delivery

vehicle for investing through a SMSF. We specialise in providing key services for

all Superannuation, Property, Financial Planning.

The correct financial strategy and current legislation for superannuation

property investing, can secure a real retirement income never before available

in Australia.

Self-Managed Super

Financial Planning

Direct Property

AccessSMSF Establishment & Bare Trust Specialists

Zero Out Of Pocket Expenses

Real-time tax estimation compliance and automated bank processing

Smart phone technology to view your portfolio 24/7

Complete Document Management

SP FinancialSuperannuation Solutions

Personal & Wealth Protection

TTR & Retirement Planning

Wealth Creation & Tax Reduction

Mortgage & Lending Solutions

SelectInvestment Graded AAA Property Solutions

National Property Network

Independent Research & Analysis

One to One Property Advice

Property Portfolio Management

Contract Management

Superannuation Property

SuperannuationProperty.com is an industry leader in end-to-end solutions for

the purchase of direct property inside your superannuation fund.

Our mission is to provide retirement focused property solutions for every

day Australians who are looking at taking control of their superannuation

retirement planning.

The Australian Superannuation scheme has been a core focus of our

government and finance sectors for generations, now the benefits of having

a safe retirement though tax-free income is available with direct property;

we believe we can show you how to benefit from this opportunity with a true

financial partner.

SP Financial

SP Financial is a holistic advice firm providing financial advice to a diverse range

of clients and businesses. Licensed by FinancialLink Group, one of the largest

advisory networks in Australia, SP Financial has access to a large range of

insurers and investment platforms.

Our mission is to ensure each client receives tailored financial advice around

the protection of family and assets whilst maximising any government and tax

benefits with the ultimate goal of helping each client retire with more.

We provide an ongoing advice service engaging with clients at least annually

to review goals, protections needs, changes in legislation and to implement

new strategies taking full advantage of any taxation benefits and retirement

strategies that may be available.

Dylan CroweManaging Director

Jonathan McCulloughFinancial Planning Director

AccessSMSF Establishment

Superannuation Fund (Self-Managed Super Funds)

• Arrange for the production of self managed superannuation trust deed

• If Appropriate; arrange for the replacement of the existing trust deed for

the SMSF with Superannuation Property Self manage superannuation trust

deed

• Open accounts for the SMSF with the bank and stockbroker nominated in

the Client’s Application

• Apply for the ABN and TFN as required on behalf of the Trustee

Trust deeds prepared by Gadens Brisbane are current for the purposes of

superannuation law and are prepared by solicitors who are available to liaise

with customers to address all queries regarding fund compliance and the

obligations of a fund trustee once a fund has been established.

Corporate Trustee

We will attend to the requirements set out in the Corporations Act 2001

including acting as the company’s registered agent with the Australian

Securities and Investments Commission, acting as the company’s registered

office, ensuring the company’s register is kept up to date, attending to the

company’s annual statement from the Australian Securities and Investments

Commission, attending to preparation of relevant solvency minutes and

general correspondence as required from time to time.

Important

While we can arrange for your fund’s audit as part of the Access

Superannuation Property service, you can also choose for the audit to remain

with your accountant. Refer to the Fees and Services in our Apply Qualify &

Setup and product disclosure statement.

Partnered with

Future Life Co Pty Ltd No. 432555, ABN 33 156 519 907 Authorised Representative of The FinancialLink Group Pty Ltd, ABN: 12 055 622 967, AFSL Number: 240938, Level 1 90 Vulture Street West End QLD 4101

Bare Trust - Limited recourse borrowing arrangement (LRBA)

Borrowing in a super fund is tricky business. Super funds need to satisfy the

legislative, tax office and lender requirements, as well as meet the stamp duty

exemptions for your local state revenue office. Plus you have to ensure you

don’t get caught out with CGT on the transfer of the property.

We provide peace of mind when it comes to borrowing to invest with your

super. Our team can carefully review each borrowing transaction, ensuring the

documentation you receive is compliant, not only with the S67A legislation, but

with the ATO and lender requirements.

Bare trust documents prepared by Gadens Brisbane are suitable for use by all

major financiers and include all necessary documents for the fund to evidence

compliance with the superannuation law in bare trust arrangements, while the

solicitors in the Gadens superannuation team are able to take calls from the

fund’s conveyancing solicitor to facilitate a smooth transaction for the fund.

Future Life Co Pty Ltd No. 432555, ABN 33 156 519 907 Authorised Representative of The FinancialLink Group Pty Ltd, ABN: 12 055 622 967, AFSL Number: 240938, Level 1 90 Vulture Street West End QLD 4101

AccessTaxation, Audit & Compliance Service

Comprehensive SMSF Administration providing real time valuations of investments including, rental income and property expenses.Administration Services

• Cash (bank accounts, term deposits, cash

management trusts)

• ASX listed shares

• Australian managed funds

• Real Estate

• Unlisted trusts and shares

• Australian Managed Funds

Compliance Management

Built-in compliance management to assist you in

staying on the right side of legislation

Real Time Taxation

The taxation liability of the fund and its members

is always available (real time), so you know where

you stand

Capital Gains Tax

Capital Gains Tax optimisation including automatic

parcel selection: FIFO, LIFO, MIN, and MAX

Online 24/7

All of your fund’s information, including current

withdrawal benefits, is available online 24/7

Daily Transactions

Daily processing of bank account and broker

transactions

Templates

Required, ongoing and starter templates for all

documentation (including minutes, member and

trustee letters)

Contribution Caps Management

Comprehensive contribution caps management

and position reporting

Investment Review & Strategy

Automated investment review and strategy

documentation

Annual return

The lodgement of your SMSF’s annual return

Listed Shares

Daily pricing of ASX listed shares and over 8,000

Australian managed funds

SP Financial Planning & Finance Strategy

Assistance to help build a wealth building strategy for your retirement. We consolidate superannuation, transfer superannuation into SMSF plus

provide strategic advice for direct property inside superannuation. We

consider family & asset protection plus ways to help you reduce your tax in

preparation for retirement.

An overview of the Financial Services we review when completing a statement

of advice (SOA) include:

Financial planning advisory services are offered to clients through,

SP Financial Pty Ltd, No. 417901, ABN 84 155 497 911 Authorised Representative of The FinancialLink Group Pty Ltd ABN: 12 055 622 967 AFSL Number: 240938, Street Address: Level 1 90 Vulture Street West End QLD 4101. Credit advice is provided to clients of Superannuation Property by SP Financial Pty Ltd - Australian Credit Licence Holder 395139

Superannuation:

• Find lost superannuation

• Consolidate multiple superannuation funds

• Direct Property inside a SMSF

• Investment of your superannuation funds for

retirement

Personal and Wealth Protection:

• Protect your family against debt

• Preserve your income and health

• Safeguard your retirement

Wealth Creation & Tax Reduction:

• Build a diversified portfolio

• Increasing wealth through tax effective

structures

• General investment advice over major asset

classes

TTR and Retirement Planning:

• Build your superannuation while reducing your

tax liabilities

• Safeguard retirement savings in a tax free

framework

• Estate Planning covering Wills and Estate tax

liability

Finance & Lending Solutions

• SMSF Residential and Commercial lending

• Investment loans

• Construction Lending

• Traditional Mortgage lending, and debt

consolidation

• Direct access to over 28 Lenders, nationwide

1. Discussion, Fact Find & Review

2. Strategy Construction

• Strategy Construction

• Superannuation Solutions

• Personal & Wealth Protection

• TTR & Retirement Planning

• Wealth Creation & Tax Reduction

• Mortgage & Lending Solutions

3. Preparation

• Gathering information on your current financial situation and budget.

• What you want to achieve – identifying your goals.

• Your approach to investing – understanding your risk profile.

• Identifying other issues which may be relevant in the context of providing you with financial services.

4. Presentation

• Financial plan presentation known as a Statement of Advice

• Educational information to explain strategy and investment concepts contained in the Statement of

Advice (SOA)

• Explanation of features, benefits, risks and product specific costs, fees and charges through Product

Disclosure Statement (PDSs), or other disclosure documents.

5. Implementation

• Setting up new or transferring existing investments and structures.

• Assisting you in establishing margin loan facilities.

• Establishing a SMSF

• Consolidating or rolling over your superannuation accounts.

• Establishing regular investment or superannuation contributions.

• Establishing insurance policies.

our client approach

Select Leading property economics partnered with the property industries most sophisticated technology for professionals. Our client centric property model allows for AAA rated property projects

defined by a series of market indicators to ensure long-term capital growth and

the highest net yield for retirement benefits.

We can show you how traditional regulated wealth building strategies plus

quality investment property opportunities can ensure a healthy retirement

income.

Access to Direct Property

• SMSF Compliant Investment Property Portal

• Property Rating Analysis

• Strict Economic Property Fundamentals

• Rental analysis and cash-flow projections for SMSF compliance. (PIA)

• Independent Valuations

Benefits & Services

• National Property Network

• Contract & Settlement Concierge

• Access to live technical support

• Licensed SMSF and property financial advisors

• Traditional Mortgage lending, and debt consolidation

• Direct access to over 28 Lenders, nationwide

Industry Partner’s:

Superannuation Property Pty Ltd, Real Estate License No. 3186722

Property Research Committee

Superannuationproperty property research committee offers due

diligence solutions to referral clients, property developers, property firms,

superannuation funds and to private clients. With most information and

property research data in the marketplace being statistically flawed and

inaccurate, Superannuationproperty.com investment committee have the

ability to research with far greater accuracy market data and identify trends

based on current and future core fundamentals.

Apart from its own analysis and detailed ongoing market research which

includes sophisticated market levers and flags, Superannuationproperty

research derives the latest research from a myriad of sources including Real

Estate Institutes of Queensland and Australia, Australian Property Monitors,

Property Council Of Australia, Reserve Bank of Australia, Domain, Urban

Development Institute Of Australia, Local Authorities & Councils, RP Data,

Infrastructure plans, QLD State Government, Price Finder and Industry Bodies

& Publications.

Analysis Criteria

Demographic Profile

Developer & Construction

Valuation

Supply & Demand

Vacancy Rates

Capital Gain (Historical)

Rental Yield

Infrastructure

Population Growth

Brisbane

173A Moray St,

New Farm QLD 4005

PO Box 10794 Adelaide St,

Brisbane QLD 4000

Melbourne

Level 3, 30 Collins St,

Melbourne VIC 3000

Sydney

Level 3, 60 Moncur St,

Woollahara NSW 2025

Retire with Property

1300 U Retire

www.superannuationproperty.com