LIVE YOUR IDEAL LIFE WITH PURPOSEJENSENFINANCIALPLANNING

Your lifestyle edgeJensen Financial Planning

3Your lifestyle edge

ENHANCING WEALTH CREATING INDEPENDENCE

At JFP our main purpose is to create individual strategic solutions that enhance your financial security. Our focus has always been on protecting your wealth now and long into the future. This demands tailoring astute financial insights and strategies to individual circumstances.

To achieve this we use our unique Lifetime Modeling System. This proactive approach is based on solid research, thorough analysis, sound judgement and forward-looking strategies.

We focus on your lifestyle goals rather than just finding a standard investment or superannuation package that conveniently fits. It all starts with a simple question: “What life do you want to live?” Every answer is different, which is why, we offer a diverse range of individual services. These include:

• Estate & Goal Planning • Investment Optimisation & Tax Minimisation • Risk Protection • Cash and Debt Management • Self Managed Super Fund Management • Intergenerational Wealth Transfer • Secure Online Real-Time Portfolio Access • Business and Employee Solutions

You can also enjoy complete confidence and control by integrating all your financial affairs through the JFP-iC Service Program.

Contents

Your lifestyle edge ............................. 2 – 3What sets us apart ............................ 4 – 5JFP-iC Service Program ................... 6 – 7 JFP-SMSF Service Program ............ 8 – 9Business & employee solutions ....... 10–11

Your lifestyle edge

WHAT MAKES US DIFFERENT IS YOU

“We don’t believe in simply applying a few predetermined investment models and processes to your circumstances. Our approach is far more considered and personal. Everything we do revolves around determining what works best for you across the lifecycle of your investments. At JFP, our business mindset is all about delivering individual service driven by progressive thinking.”

“I have been working with the JFP team for many years. Through personal adversity, JFP implemented strategies which ensured my financial goals were maintained. I wouldn’t have been able to achieve this without their expert and sound advice received.”

Your lifestyle edgeJensen Financial Planning

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Chris Jensen Managing Director JFP

Carolene Davis Retiree

Chris JensenManaging Director

Your lifestyle edgeJensen Financial Planning

5Your lifestyle edge

WHAT SETS US APARTIS OUR INDIVIDUAL CLIENT FOCUS

“Whilst dealing with the Jensen team, I have found them to be very customer focused and prepared to go the extra mile. Despite the GFC in the middle of my tenure with them, their financial advice and direction has been invaluable.I have now been able to bring forward my retirement plans by three years.”

What sets us apart Jensen Financial Planning

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Gary Windsor Former Operational Director/ General Manager at Aggreko

JFP was founded by Chris Jensen in 1992. A Deakin University Graduate and highly respected Certified Financial Planner, Chris has dedicated his practice to ensuring every client’s lifestyle goals are progressively achieved over time. This has resulted in the consistent growth of the practice in both private and corporate sectors.

The key to this success has been attracting a team of specialists with the same genuine desire to be at the forefront of the profession. Such high-level professional values translate into a natural commitment to long-term relationships.

An example of JFP’s pioneering and highly transparent approach is providing the option of a fixed fee to clients. This initiative was instigated well in advance of the recent changes to industry standards.

Fee details are provided in writing and discussed with you before any implementation. Our fees are competitively priced to reflect the time and expertise required to achieve an optimal outcome.

DELIVERING CONSISTENCY FOR OVER 20 YEARS

A TEAM OF SUBJECT MATTER EXPERTSConnecting you with extra financial confidence

What sets us apart

JFP

TRUSTED ADVISOR

YOU

Accounting& Taxation

FIIG Fixed Interest & Cash Input Specialists

Lonsec – Independent

Research

Personal Banking

Wholesale Share Broker

Mortgage Broker

Estate Planning

GeneralInsurance

SMSF Admin Experts

Investment/Wholesale Managed

Funds

Jensen Financial Planning is proud to be recognised as a leader in the financial planning industry, winning the Best Client Servicing - Company category in the 2014 ifa (Independent Financial Adviser) Excellence Awards.

ifa publisher Russell Stephenson, said the awards are a strong endorsement of the important work being conducted by independent and non-aligned advice professionals across the country, helping people to achieve their financial goals.

IFA EXCELLENCE AWARDS WINNER 2014 BEST CLIENT SERVICING COMPANY

“Our approach of offering a clearly defined service, for a fixed fee, for a finite number of clients, with No commissions, No asset fees, No product rebates, creates NO BIAS...and a true non-conflicted service model that clients want.”

Chris Jensen JFP Managing Director

Your lifestyle edgeJensen Financial Planning

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JFP-iC SERVICE PROGRAM KEEPING YOUR ENTIRE FINANCIAL HOUSE IN ORDER

“JFP have been assisting my wife and I with the management of our personal financial affairs since 2006. Over this time we have been very impressed with the level of knowledge and professionalism shown by Chris and his staff. Despite having to cope with the GFC, their advice and thorough understanding of our situation has played a key part in us achieving our financial goals to date. They also assisted us in putting in place an appropriate estate plan. Our plans for the future are now on a very solid base and we would have no hesitation in recommending JFP.”

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Ray Copland Director, Good Shepherd Aged Services

Now you can enjoy complete control while resting easy knowing your entire financial house is in order. This is what we had in mind when we designed the JFP- iC Service Program.

For a fixed annual fee, your entire financial situation is reviewed three times a year against five critical reporting benchmarks. This enables you to do the things more important to you, while we assist in navigating your future financial pathway.

This involves working closely with our subject matter experts to ensure everything is being comprehensively addressed and implemented accurately. The JFP–iC Service Program is underpinned by the fulfilment of ten key deliverables.

The areas covered include:

• Asset Monitoring & Cash Flow Management This includes the provision of updated ‘Position Reports’ covering investment properties, rental valuations and tracking against your goals.

• Income Reporting This involves accurately reviewing your income position to prepare you to lodge your tax return, without delay or penalty.

• Estate Planning Reviewing all your estate planning wishes including Wills and Power of Attorney arrangements. A detailed ‘Estate Checklist’ clearly identifies the flow of all your assets.

Also included in this service is access to your own secure real-time management and reporting portal. This allows you to review your direct shares, property, term deposits, investment holdings and asset allocations at your leisure. It also allows you to house your important hard to find documents such as: insurance policies, wills, marriage certificates and trust deeds.

YOUR PERSONAL ONLINE PORTAL

JFP-iC Sevice Program

Your lifestyle edgeJensen Financial Planning

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SELF-MANAGED SUPER FUND STRUCTURE

Cash HubSAMPLE

Super Fund

Trustee

JFP SMSF ServiceReporting, Advice, Compliance, Administration

Direct Shares

Quality ASX bluechip stocks. eg. NAB, CBA,

Woolworths, Wesfarmers, Origin Energy, Telstra

Yield target (growth, balanced, high yielding)

Direct Term Deposits/Cash

Choice of best Bank TD rate.eg. ANZ, CBA, ING, UBank,

Rabo, etc.

Direct FixedInterest & International

Funds

Wholesale Managed funds/Exchange Tradable Funds (ETFs)

Other Investments

Direct Property, Gold, Private Equity, Film,

Art work etc.

CommsecLonsec

Morningstar

FIIG, ING, Macquarie, UBank, All major banks

Morning star, Lonsec, FIIG, Russell, Commsec

Industry professional where required

Independent Research and Advice Partners

JFP-SMSF SERVICE PROGRAMCREATING MORE CONTROL AND FLEXIBILITY WITH FULL COMPLIANCE

“My wife and I were very pleased with how easy it was to set up our SMSF. JFP’s work was very professional and it was completed in a very short time. Something which we believed was quite complex has become very much easier to understand.”

JFP-SMSF Service ProgramJensen Financial Planning

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Lloyd FilerPrincipal Consultant & Director at Filer Consulting

Self Managed Super Funds or SMSFs are one of the fastest growing wealth creation solutions in Australia. They are also increasingly subject to vigorous monitoring by the Australian Tax Office. This makes it imperative to have in place all the correct compliance and transaction procedures from day one.

The JFP-SMSF Cash Flow Hub is a government guaranteed at call bank account. It is provided by a leading Australian bank and is monitored by JFP in conjunction with our allied financial partners. It’s the focal point of all transactions within your SMSF. The ‘Hub’ monitors and narrates your transactions; identifying various types of activity undertaken on a daily basis. This creates a consolidated account history of all your transactions. All data is automatically fed into your personal online portal; making money management seamless and organised in line with compliance demands.

1. Performance Plan and Monitoring - Provision of independent performance reports and quarterly fund updates.

2. Online Portal Access - Secure online portal access to all your fund’s investments.

3. Priority Investment Access - Priority access to Initial Public Offerings and other share offers. Our strong relationships often enable guaranteed allocations plus trading, at a direct broking wholesale administration rate.

4. Custodial Assistance - Ongoing assistance from an inhouse personal technical accountant. This includes secure accounting for all dividends, pension payments and transaction notes.

5. Compliance Guarantee - All your financial tranactions will be captured through the JFP- SMSF Cash Flow Hub, with full compliance guarantee.*

6. Designated Professionals - Access to your own JFP designated fund and paraplanning qualified accountant.

7. Training - SMSF Cash Flow Hub management and transaction training.

8. Bi - Annual Fund Health Check - Bi-annual fund update and compliance check. *Subject to condition in engagement letter

Here’s how JFP can help you confidently handle all your SMSF transactions and compliance requirements.

8 WAYS TO MANAGE YOUR SUPER YOUR WAY

JFP-SMSF Service Program

You

Consolidatedreporting

Real timeonline access

Your lifestyle edgeJensen Financial Planning

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BUSINESS AND EMPLOYEE SOLUTIONSSTREAMLINING COMPLEXITY ADDING VALUE

Business and employee solutionsJensen Financial Planning

Tom RogackiSenior Consultant

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“JFPs understanding of our business enabled our company to implement a risk program to provide protection and security for our staff. This enhanced employee benefit program has helped greatly in staff retention.”Louis SciutoFinance Director, Cockram Construction Ltd

“We have been partnering with Jensen Financial Planning since 2003. Their proactive manner helped guide our business through a tender of our superannuation and insurance arrangements. This approach helped us control costs by ensuring we got the best value for our employee benefit spend.”

Neil O’SullivanDirector of Finance, Nintendo Australia Pty Limited

The provision of compulsory and discretionary employee benefits can be an expensive and time-consuming exercise. Keeping up with market trends, understanding your workforce’s preferences and minimising administration time are just some of the challenges faced in developing a compelling employee benefits program. At JFP we start by clearly outlining your potential ROI from integrating such a program into your organisation’s total rewards strategy. It is essential the program’s design, policy terms, internal administration and communications are competitive and sustainable.

This extends to a dedicated JFP consultant helping establish the right balance of financial relationship between employers and employees to achieve mutual success.

Our specialist services in this area include:

• Delivering insightful and engaging workplace seminars for employees located throughout Australia.

• Reviewing company superannuation and group insurance arrangements. This includes tender management and ensuring compliance with regulatory and EBA requirements.

• Providing business succession planning including buy/sell agreements and key employee protection.

• Tailored financial planning based on a deep understanding of your existing employee benefits to help attract and retain key staff.

• Providing ongoing support and advice to the management team or policy committee on market trends and regulatory requirements.

• Comprehensive risk insurance management and advice.

Business and employee solutions

JENSEN FINANCIAL PLANNING PO Box 18236, Collins Street East Vic 8003. 1300 722 711 or (03) 9669 6500. enquiry@jensenfp.com.au www.jensenfp.com.au ABN 49 097 063 922 Corporate Authorised Representative No 253416 Aon Hewitt Financial Advice Ltd ABN 13 091 225 642, AFSL 239183 Suite 2, Level 1, 20 Collins Street, Melbourne, VIC 3000

Chris Jensen CFP® Authorised Representative Number 273571

To give your investments a more strategic direction and live the rewards of financial independence, call us now on 1300 722 711.

Your first private consultation is free.

JENSENFP.COM.AU