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«Cloud Financial Planning Pty Ltd ABN 32 206 837 858 Authorised Representative Dover Financial Advisers Pty Ltd Australian Financial Services Licensee ...»

Cloud Financial Planning Pty Ltd

ABN 32 206 837 858

Authorised Representative

Dover Financial Advisers Pty Ltd

Australian Financial Services Licensee

Geelong Office

Level 1 / 2a Belle Vue Arcade

Highton Shopping Centre

Highton

Postal Address

PO Box 6332

Highton VIC 3216

Victorian callers 03 5215 0400

Interstate callers 1300 85 35 48

e-mail admin@cloudfp.com.au

website www.cloudfp.com.au

1 January 20XX

Mr Homer and Mrs Marge Simpson

123 Simpson Street

SPRINGFIELD VIC 3000

Dear Homer and Marge, Terms of Engagement & Fee Proposal It was a pleasure to be contacted by you recently to discuss ways Cloud Financial Planning can help you secure your financial future. The following confirms our discussions concerning your financial planning requirements, along with ways we believe our advice can be beneficial to your needs and the cost of advice.

How can advice help you?

Outlined below are genera

–  –  –

Shaun Liddicoat and Cloud Financial Planning Pty Ltd, ACN 164 568 674, are Authorised Representatives of Dover Financial Advisers Pty Ltd, ABN 87 112 139 321, an Australian Financial Services Licensee with its registered office at 71 Tulip Street, Cheltenham, VIC, 3192.

Variations In the event that Cloud Financial Planning identifies a variation (increase or decrease in the fee estimate) due to unforeseen circumstances we will inform you of the fee variation before it is incurred by you.

It is rare that variations occur, however when issues of greater complexity arise this can lead to periods of extended research and strategy development that impact the cost of advice.

Cancellation If services are cancelled by either party then notice is to be given as soon as practicable and a fair and reasonable assessment will be made for fees due for work carried out up to the date of cancellation.

Acceptance To proceed with the above please read and sign the Authority to Prepare a Statement of Advice document. Once completed please return this to our office at which time we will commence preparing the Statement of Advice.

If you have any questions or concerns then please do not hesitate to contact me on 1300 85 35 48 or admin@Cloud Financial Planning.com.au.

Kind regards, Shaun Liddicoat B.Fin, B.Sc, ADFS(FP) Principal Adviser Authorised Representative Shaun Liddicoat and Cloud Financial Planning Pty Ltd, ACN 164 568 674, are Authorised Representatives of Dover Financial Advisers Pty Ltd, ABN 87 112 139 321, an Australian Financial Services Licensee with its registered office at 71 Tulip Street, Cheltenham, VIC, 3192.

Authority to Prepare a Statement of Advice Personal Information provided I/we will ensure the information provided to my adviser is accurate and to the best of my/our knowledge (except where I/we have indicated that I/we have chosen not to provide the information).

I/We understand and acknowledge that by either not fully disclosing my personal details, any recommendation or advice given by the adviser in these circumstances may be inappropriate to my/our needs and that I/we risk making a financial commitment to a financial product that may be inappropriate for the needs identified.

Financial Services Guide I/We have read and understood the Financial Services Guide version 6.0 prior to obtaining financial planning services and/or recommendations.

Authority for current Adviser I/We authorise the elected employees of Cloud Financial Planning to contact any of my/our existing advisers whose details I/we have provided.

Statement of Advice Related Documents Consent Where required, you will be provided with a Statement of Advice confirming in writing the advice provided to you. Your initial and all future Statements of Advice will refer to various Understanding Series documents that set out general information about investment fundamentals such as risk, return and diversification (if applicable) and the benefits, costs and risks associated with various strategies recommended to you.

Receipt of Documents(s) referred to in Statements of Advice

I confirm that:

 I consent to receiving Documents referred to in Statements of Advice being made available to me electronically via the Cloud Financial Planning web site or CD. In

consenting, I acknowledge that:

(i) I am able to access the Documents electronically; and (ii) If I wish to obtain a printed copy of the Documents I can contact my financial adviser who will provide these documents to me at no cost.

OR  I wish to obtain the Documents referred to in Statements of Advice in printed form.

Information and Privacy Agreement

I/We agree that:

1. Subject to the authorisation of the preparation of a Statement of Advice, I am/we are to receive the following services from Cloud Financial Planning and understand that my/our personal information (including any sensitive information such as health information and membership of professional organisations [“sensitive

information”]) is being collected primarily for these purposes:

 superannuation & retirement planning  estate planning  investment planning & managed investment schemes  budgeting  life, trauma insurance and income protection insurance  direct equities & instalment warrants  gearing, banking including credit and debit products  arranging for the acquisition and disposal of all relevant products of the type described above; and  an ongoing review service for my/our investment portfolio or life insurance program.





Your adviser will only provide you with advice that your adviser is permitted to offer you.

2. I/We also consent to the disclosure of my/our personal information (including my/our

sensitive information):

 to organisations involved in providing my/our adviser with marketing services and to their service providers (for example posting services), so that my/our adviser may offer me/us products and services that might meet my/our financial needs; and  to other organisations in connection with the sale or proposed sale of all or part of the adviser’s business and to the use of that personal information by those organisations for those purposes.

3. I/We also consent to the collection of my/our personal information for the purpose of my/our adviser providing the services stated above. This consent also relates to my/our sensitive information.

4. If I/we have provided personal information about an individual (such as a partner, dependant, employer, or accountant) I/we have or will as soon as practicable, provide the individual with a copy of the Privacy Notification Statement (PNS) that was provided to me/us with the Financial Services Guide and made them aware that the PNS applies to their personal information that has been collected for the purpose of my adviser providing me/us with the financial advice I/we have requested.

5. If I/we have provided sensitive information about someone else, I/we have or will obtain the consent of that person to that information being collected by my/our adviser and my/our adviser’s service providers.

6. I consent to the release of my personal information (including my sensitive information) to my spouse or partner.

Delete any item or consent in paragraphs 1 to 6 above which you do not agree with.

–  –  –

Adviser Name Shaun Liddicoat Information Release Form To Whom It May Concern, I, ____________________________________________________

of ____________________________________________________

____________________________________________________

Date of birth ____________________________________________________

authorise that all relevant information about my investments, insurances, superannuation,

bank accounts and/or other financial information be released, upon request, to:

Adviser* Name:

____________________________________________________

____________________________________________________

–  –  –

____________________________________________________

____________________________________________________

____________________________________________________

–  –  –

____________________________________________________

____________________________________________________

____________________________________________________

Please accept a photocopy, facsimile or electronic copy of this form as my authority.

The original signed form will be held on file at the adviser’s address above.

Client’s Signature:

____________________________________________________

Date: ____________________________________________________

* The adviser named above will only send this form to those institutions disclosed by the client and the information provided by those institutions will only be used for the preparation of financial planning services for the aforementioned client.

Information Release Form To Whom It May Concern, I, ____________________________________________________

of ____________________________________________________

____________________________________________________

Date of birth ____________________________________________________

authorise that all relevant information about my investments, insurances, superannuation,

bank accounts and/or other financial information be released, upon request, to:

Adviser* Name:

____________________________________________________

____________________________________________________

–  –  –

____________________________________________________

____________________________________________________

____________________________________________________

–  –  –

____________________________________________________

____________________________________________________

____________________________________________________

Please accept a photocopy, facsimile or electronic copy of this form as my authority.

The original signed form will be held on file at the adviser’s address above.

Client’s Signature:

____________________________________________________

Date: ____________________________________________________

* The adviser named above will only send this form to those institutions disclosed by the client and the information provided by those institutions will only be used for the



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