Welcome back!
Scene One – Providing Entity
Hi Gayle and Craig! Jo here from Insurance Advisory Service, presenting to you your personalised video Statement of Advice today. My authorising licensee and contact details are on the screen now, should you wish to reach out to me at any time. Okay, let’s get right into it.
Same as Jo’s Scene 1
Download Links
Providing Entity
Hi Gayle and Craig! Jo here from Insurance Advisory Service, presenting to you your personalised video Statement of Advice today. My authorising licensee and contact details are on the screen now, should you wish to reach out to me at any time. Okay, let’s get right into it.
Same as Jo’s Scene 1
The Client
You are in your late 40s early 50s and are married and both working. You both have existing superannuation funds and a joint investment platform. You have come to me seeking advice to review your superannuation and investment assets with a view for long term financial security and confidence. Your current personal and financial circumstances are outlined in the attached Fact Find. Please ensure you let me know if any of this information is not accurate.
In middle top row position, show two middle-aged married couple. Then along the bottom row, when VO says “you both have”, show two buildings, one labelled “Superannuation” and one labelled “Investments”. Then when VO says “review”, show magnifying glass on super building first, then investment building. Then show image of document with paperclip labelled “Attached Fact Find” and show green tick over that when VO says “not accurate”.
Description of the man and woman:
Woman Description
• Female with long, straight blonde hair, worn loose and parted slightly off-centre, with a smooth, glossy look that frames her head and shoulders.
• She has a soft, rounded face shape and a warm, approachable presence conveyed through relaxed posture.
• Her build appears curvy and feminine, with a natural, comfortable silhouette.
Man Description
• Male with a solid, broad-shouldered build and a grounded, calm presence.
• Closely shaved or very short hair, creating a clean head shape
Scope And Goals
We therefore agreed that this advice will cover a review of your superannuation investments and personally held investments. As discussed with you, the following are your goals as we understand them. Once again, if any of these goals are not accurately captured, please ensure you inform us.
Scope:
1. Super (investment)
2. Personally held investments
Goals:
1. Maintain stable and well-structured investment and super portfolio
2. Strengthen long-term positioning while retaining flexibility
3. Continue progressing toward long-term family and retirement goals
The Advice
My advice is to adopt a core-satellite investment approach across your superannuation and investment accounts to balance stability with flexibility. The way this works is, the core component remains broadly diversified and focused on long-term stability, while the satellite investments are used selectively to pursue specific opportunities without risking the overall structure. The figure on the right is just an example of how such a strategy might be implemented, and we will continuously monitor the investments as part of the existing ongoing advice arrangement. This strategy is appropriate for you because it aligns with your current life stage, focusing on consolidation and protection, it provides flexibility without requiring wholesale changes, and it allows decisions to be paced thoughtfully during a period of personal transition. However please note that as with all investments, the markets may fluctuate, the riskier satellite investments may underperform relative to expectations and legislative or platform changes could impact outcomes.
Having covered my recommended advice, you should also know that I considered the alternative strategy of retaining the existing investment structure without change. However, I discounted this because it would not provide the additional flexibility or strategic clarity discussed during the review.
For first screen, show Core v Satellite Image, then underneath show three buildings labelled “Super – Gayle”, “Super – Craig” and “Investments – joint”. When VO says “broadly diversified”, show green tick over the middle red circle on the left. When VO says “satellite investments”, show four green ticks on each four orange circles on the left.
On next screen, show three green ticks with labels “Focus on consolidation and protection” and “Flexibility without wholesale changes” and “Decisions paced thoughtfully”. Then show three red marks with labels “Markets may fluctuate” and “Satellite investments may underperform” and “Legislative/platform changes”.
On final screen, show Alternative Strategy image.
Fees And Costs
Okay, with all the advice covered, let’s discuss fees.
The first category of fees is my upfront advice fee amounting to $1,900 plus GST. This covers the research, formulation and implementation of this advice and will be deducted from Craig’s superannuation fund. The second category of fees is my ongoing advice fee, amounting to $900 per annum plus GST for Gayle, $2,500 per annum plus GST for Craig, and $420 per annum plus GST for your joint investments. This fee covers our management of your financial affairs, including the following services we will provide you with.
First category fee visuals same as all scenes. Second category visuals use same visual as previous Jo video
Disclosures
Right, we have now covered the advice in full. So let’s go through the next steps. There are some important disclosures that you need to read and be familiar with. These are attached to my email. This advice purely considers your interests only and is in your best interests. If you wish to proceed with the advice, please sign the attached authority to proceed and return it to me. Otherwise, if you have any questions, please let me know. Thank you!
Same as previous Jo video