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Client 1:
Client 2:
Completed:/ /
Adviser:
Financial PlanningNeeds Analysis Guide
Needs Analysis Guide - September 2020Industry Fund Services Limited, ABN 54 007 016 195, AFSL No. 232 514. © Industry Fund Services Limited
Why are you seeking advice?
What is happening in your life?
To help us provide you with advice that is personalised to your circumstances, we need to know what is currently happening in your life, and your plans for your future. Please list any upcoming events, goals or other important considerations that may have an impact on the advice we provide.
Now/Soon Future
Work
E.g. New job, promotion,retirement, reducing hours,increasing hours, career change,self-employment, and redundancy.
Family
E.g. Marriage, children,grandchildren, divorce / separation,education, children moving outof home, assisting adult childrenfinancially, caring for aging parents,inheritance, and legacy.
Lifestyle
E.g. New home, relocating,downsizing, upsizing, renovating,paying off home, travel /holidays, car, caravan, hobbies,sports, clubs, and communitycontribution.
Health
E.g. Health issues in the family,longevity in the family, and dealingwith illness.
Other
Any other events going on in your life that might need to be considered in your planning.
Industry Fund Services Limited 2
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Tell us more about you
Personal Details
Client 1 Client 2
Gender: M F Other M F Other
Title: eg. Mr, Mrs, Ms, Miss, Dr eg. Mr, Mrs, Ms, Miss, Dr
Surname:
First Name:
Preferred Name(s):
Address:
State Postcode State Postcode
Home Owner Status: Own Outright Own with Mortgage Rent Other
Telephone
Home:
Work:
Mobile:
Email address:
Preferred Method of
Contact
Date of Birth: / / / /
Marital Status: Single Married Divorced Widowed Partner/ De facto Separated
Notes:
Industry Fund Services Limited 3
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Family Members
Full Name Relationship AgeFinancially Dependent
Gender
1. Yes No
M F
2. Yes No
M F
3. Yes No
M F
4. Yes No
M F
5. Yes No
M F
6. Yes No
M F
Please provide details of any family member's advice and/or support needs.
Notes:
Industry Fund Services Limited 4
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Employment
Income Details Client 1 Client 2
Employment:
Full-time
Part-time
Casual
Self Employed
Unemployed
Contractor
Home duties
Retired
Own company/Trust
Full-time
Part-time
Casual
Self Employed
Unemployed
Contractor
Home duties
Retired
Own company/Trust
Occupation:
Employer:
Commencement date: / / / /
Gross Salary (before tax):$
Frequency
$
Frequency
Current leave entitlements:
Sick Leave: Days
Annual Leave: Days
Long Service Leave: Days
Sick Leave: Days
Annual Leave: Days
Long Service Leave: Days
Pay slip provided Yes No Yes No
Planned Retirement Age/Date:
Age
/ /
Age
/ /
Second job
Occupation:
Gross Salary (before tax): $
Frequency
$
Frequency
Salary Packaging e.g. car, entertainment, mortgage. If no packaging please tick box
Item Amount Packaged OwnerRebatable Exempt
Please tick whichever is applicable
Notes:
Industry Fund Services Limited 5
Part A - to be completed by youNEEDS ANALYSIS GUIDE
CentrelinkClient 1 Client 2
Are you receiving Centrelink benefits: Yes No Yes No
Were you receiving this benefit as at 1/1/2015: Yes No Yes No
Benefit Type:
Benefit Amount per fortnight:
Name of Benefit
$ Amount
Name of Benefit
$ Amount
Name of Benefit
$ Amount
Name of Benefit
$ Amount
Have you made any gifts in the last 5 years?
Yes No Yes No
Amount: $
Date: / /
Amount: $
Date: / /
Amount: $
Date: / /
Amount: $
Date: / /
Do you receive or pay any child support payments?
Yes No
Details
Yes No
Details
Lifetime Pensions/ Other Income If no lifetime pension or other income please tick box
Client 1 Client 2
Lifetime pension:
Type Type
Amount $
Frequency
Taxable: Yes No
Amount $
Frequency
Taxable: Yes No
Other Income:
Type Type
Amount $
Frequency
Taxable: Yes No
Details
Amount $
Frequency
Taxable: Yes No
Details
Industry Fund Services Limited 6
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Current Superannuation Funds Please provide current statements
Name of Super Fund(s):
Investment option(s):
Approximate Value: $ $ $
Employer Super Contributions (%):
%
Additional To / Included In Salary (circle as
applicable)
%
Additional To / Included In Salary (circle as
applicable)
%
Additional To / Included In Salary (circle as
applicable)
Current level of salary sacrificing to superannuation:
Commencement Date:
$
Frequency
$
Frequency
$
Frequency
/ / / / / /
Defined Benefit Plans – own contributions:
%
Pre Tax / Post Tax (circle as applicable)
%
Pre Tax / Post Tax (circle as applicable)
%
Pre Tax / Post Tax (circle as applicable)
Details of personal (after tax) superannuation contributions since 1 July 2018#:
#Information from 1 July 2018 is required to ensure that the “averaging” cap is not exceeded.
2018/19 2018/19 2018/19
2019/20 2019/20 2019/20
2020/21 2020/21 2020/21
Beneficiary Nomination Binding
Non-binding
None
Binding
Non-binding
None
Binding
Non-binding
None
Previous Lump Sum Withdrawals
Yes No Yes No Yes No
$ $ $
Have you rolled over or consolidated superannuation funds within the last three years?
Yes No
If yes, please provide details
If recommending carry forward concessional contributions please record prior concessional contributions here.
Industry Fund Services Limited 7
Part A - to be completed by youNEEDS ANALYSIS GUIDE
It is important you provide full details of your current and previous superannuation contributions for all your superannuation funds. If the information provided is incomplete or incorrect, this may cause contribution cap breaches, leading to significant taxation penalties for which your Adviser or Industry Fund Services limited will not be responsible for.
Client 1 If no super please tick box
Current Superannuation Funds Please provide current statements
Name of Super Fund(s):
Investment option(s):
Approximate Value: $ $ $
Employer Super Contributions (%):
%
Additional To / Included In Salary (circle as
applicable)
%
Additional To / Included In Salary (circle as
applicable)
%
Additional To / Included In Salary (circle as
applicable)
Current level of salary sacrificing to superannuation:
Commencement Date:
$
Frequency
$
Frequency
$
Frequency
/ / / / / /
Defined Benefit Plans – own contributions:
%
Pre Tax / Post Tax (circle as applicable)
%
Pre Tax / Post Tax (circle as applicable)
%
Pre Tax / Post Tax (circle as applicable)
Details of personal (after tax) superannuation contributions since 1 July 2018#:
#Information from 1 July 2018 is required to ensure that the “averaging” cap is not exceeded.
2018/19 2018/19 2018/19
2019/20 2019/20 2019/20
2020/21 2020/21 2020/21
Beneficiary Nomination Binding
Non-binding
None
Binding
Non-binding
None
Binding
Non-binding
None
Previous Lump Sum Withdrawals
Yes No Yes No Yes No
$ $ $
Have you rolled over or consolidated superannuation funds within the last three years?
Yes No
If yes, please provide details
If recommending carry forward concessional contributions please record prior concessional contributions here.
Industry Fund Services Limited 8
Part A - to be completed by youNEEDS ANALYSIS GUIDE
It is important you provide full details of your current and previous superannuation contributions for all your superannuation funds. If the information provided is incomplete or incorrect, this may cause contribution cap breaches, leading to significant taxation penalties for which your Adviser or Industry Fund Services limited will not be responsible for.
Client 2 If no super please tick box
Income Streams (Annuities or Pensions) Please provide current statements
Client 1 If no income streams please tick box
Provider:
Investment option(s):
Reversionary or nominated beneficiary:
Reversionary pensioner
Binding nomination
Non-binding nomination
None
Reversionary pensioner
Binding nomination
Non-binding nomination
None
Gross Income per annum ($):
Current Approximate Value ($):
Client 2 If no income streams please tick box
Provider:
Investment option(s):
Reversionary or nominated beneficiary:
Reversionary pensioner
Binding nomination
Non-binding nomination
None
Reversionary pensioner
Binding nomination
Non-binding nomination
None
Gross Income per annum ($):
Current Approximate Value ($):
Notes:
Industry Fund Services Limited 9
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Cash, at call accounts, working accounts & term deposit investments Please provide current statements
Name of Investment (Bank, account type etc)
Owner Amount ($)
Rate (% pa.)
Term
Managed Funds, Direct Shares & Bond Investments Please provide current statements
If no managed funds or shares held please tick box
Name of InvestmentNo. of
Units/
SharesOwner
Estimated Value $ Income p.a. Re-invested ?
Yes No.
Yes No.
Yes No.
Yes No.
Notes:
Industry Fund Services Limited 10
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Direct Investment Properties If no investment properties held please tick box
Property One Property Two Property Three
Location:
Owner:
Purchased:Price:
Date: / / / / / /
Current Est. Market Value ($):
Rental Income (Gross $):
per annum
Deductible Expenses/ Outgoings ($):
Depreciation per annum ($):
Notes:
Non Investment Assets
Assets Value Owner
Family Home: $
*Contents andPersonal Effects:
$
*Motor Vehicles: $
*Caravan/Boat/Trailer: $
Art/Antiques/Collectibles: $
Non-Investment Property (holiday home, vacant land):
$
Other: $
*Centrelink/ fire sale value
Industry Fund Services Limited 11
Part A - to be completed by you NEEDS ANALYSIS GUIDE
What do you owe? If no debt held please tick box
Client LenderTotal
amount owing
Term remaining
Interest Only or Principal and Interest
Rate %
p.a.
Payments ($)
Frequency
Home Mortgage
Client 1
Client 2
Joint.....
$ IO..
P&I
$ Weekly... Fortnightly
Monthly. Yearly.......
Offset Facility
Yes
No.Please provide details of your offset account on page 10
Redraw Facility
Yes
No.How much is available for redraw? 20 $
Investment Mortgage Property 1
Client 1
Client 2
Joint.....
$ IO..
P&I
$ Weekly... Fortnightly
Monthly. Yearly..
Security used:
Own home Investment property 1 Other ____________________________________________
Offset Facility
Yes
No.Please provide details of your offset account on page 10
Investment Mortgage Property 2
Client 1
Client 2
Joint.....
$ IO..
P&I
$ Weekly... Fortnightly
Monthly. Yearly..
Security used: Own home Investment property 2 Other ____________________________________________
Offset Facility
Yes
No.Please provide details of your offset account on page 10
Investment Mortgage Property 3
Client 1
Client 2
Joint.....
$ IO..
P&I
$ Weekly... Fortnightly
Monthly Yearly.
Security used:
Own home Investment property 3 Other ____________________________________________
Offset Facility
Yes
No.Please provide details of your offset account on page 10
Industry Fund Services Limited 12
Part A - to be completed by you NEEDS ANALYSIS GUIDE
What do you owe? If no debt held please tick box
Client LenderTotal amount
owingTerm
remaining
Rate %
p.a.
Payments ($)
Frequency
Other Mortgage
Client 1
Client 2
Joint.....
$ $ Weekly.. . Fortnightly
Monthly Yearly........
Car Loan(s)
Client 1
Client 2
Joint.....
$ $ Weekly... Fortnightly
Monthly Yearly.....Balloon payment
$
Car Lease(s)
Client 1
Client 2
Joint.....
$ $
Weekly... Fortnightly
Monthly Yearly.....Balloon payment
$
Personal Loan(s)
Client 1
Client 2
Joint.....
$ $ Weekly... Fortnightly
Monthly Yearly......
Credit Card(s)
Client 1
Client 2
Joint.....
Limit $ Repaid monthly:
Yes
No.
$
Weekly... Fortnightly
Monthly Yearly.Outstanding balance $
Margin Loan(s)
Client 1
Client 2
Joint.....
$ $ Weekly... Fortnightly
Monthly Yearly.......
Security used:
Notes:
In the notes section below, please list the following information, or any information about additional liabiliites that is relevant for us to know, but is not captured above:
- Guarantor - Whether loan repayments are in excess of the minimum required - Expiry dates for fixed loans
Industry Fund Services Limited 13
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Health Client 1 Client 2
Your health: 1. Poor 3. Good
2. Fair 4. Excellent
1. Poor 3. Good
2. Fair 4. Excellent
Smoker: Yes No Yes No
Do you have Private Health Insurance? Yes No Yes No
Does this include hospital cover? Yes No Yes No
Please provide comments in relation to your health including if your family have a history of any genetic medical issues or if longevity runs in your family:
Notes
Industry Fund Services Limited 14
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Personal Insurance Please provide copies of your latest insurance coverage e.g. your latest annual statement from your super fund or your policy documents from your insurance provider.
Income Protection Cover If no Income Protection Cover held please tick box
Insured Insurance Provider Via Super?Monthly Benefit
Waiting Period
Benefit Period
Annual Premium
Yes No
Yes No
Yes No
Lump Sum Cover If no Lump Sum Cover held please tick box
Please indicate whether cover is Life, TPD, Life/ TPD or Trauma
Type of Cover
Insured Insurance Provider Via Super? Sum Insured Annual Premium
Yes No
Yes No
Yes No
Yes No
Yes No
Yes No
Estate Planning Client 1 Client 2
Do you have a Will? Yes No Yes No
If applicable, are your Wills up to date? Yes No Yes No
Do you have Power of Attorney (POA)? Yes No Yes No
Do you have Medical Power of Attorney? Yes No Yes No
Do you have Enduring Power of Attorney? Yes No Yes No
If applicable, are your POAs up to date? Yes No Yes No
Notes
Industry Fund Services Limited 15
Part A - to be completed by you NEEDS ANALYSIS GUIDE
• How confident are you in making decisions regarding your finances?
Not confident at all Somewhat confident Very confident
Notes:
• In the past, what have you relied on to make decisions in relation to your finances? (tick all that apply)
Friends/ Family Media Books Professional Adviser Own Research
Notes:
• Have you received financial advice previously? If yes please detail below.
Yes No
Notes:
• How comfortable are you in taking risks with money?
Not comfortable Somewhat comfortable Very comfortable
Notes (including any previous investment experiences):
Getting to know your approach to making financial decisions
Industry Fund Services Limited 16
NEEDS ANALYSIS GUIDE
This is the end of Part A. Part B of the Needs Analysis will be completed with your Financial Adviser at your initial meeting. However, if there is anything else you want to tell us that has not already been covered, please include below.
Industry Fund Services Limited 17
Part A - to be completed by you NEEDS ANALYSIS GUIDE
Industry Fund Services LimitedABN 54 007 016 195, AFSL No. 232 514.
© Industry Fund Services Limited FP_N
AG
_ 09
20