In its publication "Getting Advice", the Australian Securities & Investment Commission (ASIC) suggests you;

• deal only with a licensed financial advisory business
• take the time to find the best person for your needs
• make sure the advice suits you and offers value for money.

Using these points as a guide, we would like to make the following comments in relation to the planners you will work with at 50Plus.

1. "deal only with a licensed financial advisory business"

50Plus Wealth operates under its own Australian Financial Services License - number 334441, and has no relationships with any financial institutions which might influence the advice you receive.

The names of the individuals who are able to give you advice are;

David Gemmell

David holds a Diploma in Financial Planning and Superannuation Management. He is a member of the Self Managed Super Fund Professionals Association of Australia (SPAA) and holds the SPAA "SMSF Specialist Advisor" qualification. This qualification requires David to meet minimum ongoing educational requirements, which you can read within the SPAA website.

2. "take the time to find the best person for your needs"

We believe the best financial planning business for your needs will;

• have a thorough knowledge of the strategies which will help you achieve your objectives
• be capable of recommending investments from a broad investment menu - including directly held investments, such as ordinary and preference shares, term deposits, cash management trusts, exchange traded funds (ETF's), to name just a few of the options
• have the capacity and knowledge to recommend self managed structures, including trusts and self managed super funds
• keep you abreast of issues which may affect your financial plan and, review your financial plan on a regular basis.

50Plus is a specialist financial planning business working with people who are approaching retirement, or have retired.

If you are over age 50, we believe our knowledge of the issues that are important to you, will help you achieve your objectives. Furthermore, we believe we will continue to meet your needs, long after your investments have been implemented.

3. "make sure the advice suits you and offers value for money"

Our advice will be customised to your specific situation, using clear and easy to understand language.

At 50Plus, we prefer to be rewarded for providing an ongoing service and will rarely charge you an upfront fee/commission. We believe our fee structure is a clear statement to our clients that our priority is in developing long term relationships.