OUR VISION:FINANCIAL CERTAINTY FOR ALL

We are committed to helping the people of rural Australia manage their financial affairs so they can...

• achieve their aspirations in life,• live the lifestyles they want... before and after retirement, and• enjoy the peace of mind that they are working with knowledgeable, professional financial advisers who

keep their best interests at heart.

We guide people at all stages of life, no matter what their current financial position. After all, financial planning is about making the most of the income, benefits and resources available to you and protecting everything you’ve worked hard for.

You could say it’s about carefully sowing, growing, protecting and managing the fruits of your labour. That’s why we call ourselves...Harvest Wealth

CONTENTS

Harvesting your financial future ..................................................................................2

Financial guidance for all generations ............................................................................4

What to expect ........................................................................................................6

Our services ............................................................................................................8

Our service delivery options ......................................................................................10

Committed to our values and our region .......................................................................12

This brochure has been prepared by Harvest Wealth Pty Ltd (Harvest Wealth), who is the provider of general financial advice, personal financial advice, and dealing services concerning various financial products, which include: managed investment;

retirement savings accounts/ products; deposit and payment products; superannuation products; life products; government debentures, stocks and bonds; margin lending facilities; and securities.

Information in this brochure is based on Harvest Wealth’s understanding of current regulatory requirements and laws as at 1 July 2012 and may be subject to change.

Harvest Wealth and its advisers are Authorised Representative of Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

HARVESTING YOUR FINANCIAL FUTUREThe word ‘harvest’ brings to mind many things and reflects the rural community to which we firmly belong.

Whether broad acre, citrus, grapes, olives, wool or any other type of produce that our region is famous for, harvesting has historically been a time of coming together and gathering the rewards of our efforts. Most of all, a time for carefully applying and sharing knowledge handed down from generation to generation to maximise not only a way of life, but the opportunity for abundance.

It is in this spirit that Harvest Wealth exists.

Resourced by a team of professionals whose combined experience in financial services extends more than 60 years’, we carefully apply and share our knowledge to help the people of rural Australia grow, manage and protect their wealth so that they may maximise their way of life and their opportunities for abundance.

You could say the work we do is similar to the overall process of farming. Farmers design and sow their crops once they

have spent some time learning about the landscape and its environment, then working out their desired output.

Once the crops are in place, farmers continue to work on their land, sometimes with the help of specialists as required, to ensure they maximise the success of their harvest. And as weather conditions go through their cycles... cycles that may either help or hamper the success of the crops... farmers adjust their strategies according to tried and true methods.

Similarly, at Harvest Wealth, we will design your financial strategy based on our understanding of your current needs and future goals, and then work with you on an ongoing basis (sometimes with specialists such as your accountant, mortgage broker, solicitor or Centrelink agent) to ensure your overall strategy continues to achieve your financial and lifestyle objectives throughout life.

And, just as farmers cannot control the weather, as financial planners we cannot control the constant varying temperatures of world economies and financial markets, which can affect the status of your financial position.

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But we do focus on the things that we can control.We ensure your financial arrangements are structured andreviewed regularly so that they remain appropriate to yourneeds, no matter what ups and downs are happening in themarket and no matter what happens throughout your life.

New legislation, damage from severe weather conditions, thefluctuating value of the Aussie dollar, a new addition to thefamily, a new house, an inheritance, changes in marital status,redundancy, early retirement, a holiday or health issues are justa few of the many things that may affect your personalfinancial situation and your overall wealth strategy over time.

That’s why we focus on developing a long-term relationshipwith you, because, like farming, financial planning is not a setand forget process.

No matter what your age or circumstances, you can be assuredof our caring approach in delivering valuable guidance anddistinctive advice that can keep you on the right path tolong-term financial certainty, control and peace of mind.

But don’t just take our word for it, we can provide you withcontact details for some of our existing clients (upon theirpermission). You can speak with them to find out more abouttheir experience of our service.

Steve and I have been looked after by a firm from Melbourne for a number of years but had been hearing so much positive talk in the local community about Lyn Heaysman and how she had given so much of her time to assist our farmers with their hardship in her volunteer role with Sunraysia Rural Counselling Service. Also we were equally impressed with the amount of pro bono work she did and still does trying to help those less fortunate who had found themselves struggling.

Upon meeting with Lyn we felt extremely comfortable and moved our business without hesitation and are now acting as a source of referral to Harvest Wealth. Lyn also has a fantastic team behind her who offer outstanding service and are an absolute pleasure to deal with. We feel as though nothing is too much trouble. We are always greeted with a great smile and a can do attitude. We know we are in good hands with Harvest Wealth!

Cheryl & Steve Reberger

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FINANCIAL GUIDANCE FOR ALL GENERATIONSAt Harvest Wealth, our mission is to help our loyal clients andtheir families achieve the lifestyle and goals they seek throughout life. We do this by:

• understanding and addressing the different needs that our clients face throughout their lives;

• empowering them with information and education to help them make informed decisions about their options and become financially organised; and

• providing a comprehensive range of valuable financial planning services that help to turn their dreams into reality.

Our clients appreciate our depth of experience, our caringapproach and the fact that we do what we say we’re going to do.

Our knowledgeable, experienced staff take a team approach toserving our clients – maintaining a progressive, open workplacethat uses efficient, client-friendly work practices that aremodern and flexible enough to address the ever-changingconditions of the financial industry.

And our business is structured to ensure it continues to grow ina sustainable manner so that we can meet the needs of ourclients throughout their lives – from generation to generation.As illustrated on the opposite page, no matter whatage or stage of life you are at, you can benefit from the assistanceof a qualified financial adviser.

“My wife and I have received financial advice froman adviser based in Melbourne for many years. On retirement we decided to transfer to Matt Tuoheyat Harvest Wealth. This has proven a very wisedecision as Matt has provided outstanding serviceand most importantly, is always accessible.”

Dennis Norton

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• Income barely matches expenditures—no significant savings

• Financial decisions tend to be mostly short term

• Purchase car, clothes, music systems, various lifestyle items

• Budgeting and saving is important to start the wealth journey and embed sound financial habits

Young Single Wealth Starters

Young singles/couples

Couples or Individuals

With children

Wealth Accumulators

Empty nesters, no dependants

Wealth Managers

Retirees

• Income greater than expenditure—some savings

• Purchase home furnishings

• Purchase home

• Budgeting and cash flow

• Income Protection Insurance

• Careful debt management

• Income approximately equal to expenditures

• Upgrade house

• Purchase toys, clothing and education expenses

• Life/TPD/Trauma & Income Protection insurance

• Debt management is important

• Direct Investments and Superannuation

• Income greater than expenditures

• Purchase investments, and asset protection

• Retirement planning is important, transition to retirement strategies

• Tax effective strategies and asset protection is important

• Estate planning is important

• Dealing with surplus cash, retirement funding

• Income could be less than expenditure - Centrelink advice

• Aged care services - purchase medical and nursing services

• Estate planning and management for your next generation

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WHAT TO EXPECTMany hundreds of people have enjoyed significantly improvedfinancial independence and security with the help of HarvestWealth... including those who started off with limited financialresources.

But for anyone who has not experienced the benefits of dealingwith a financial adviser, here’s a taste of what to expect. Inorder to develop personalised financial solutions that areappropriate for your needs, we follow this tried and trueprocess:

STEP 1—DISCOVERYThis is the critical step where you find out about us, and wefind out about you. At or before our first meeting, we will provide you with our Financial Services Guide (FSG), with details on our service including our qualifications, authorisation and what you should expect from us. Then we set out to learnmore about you.

Gather dataBefore we start designing a clear path to your successful financialfuture, we need to know your starting point. We thereforecollect information from you such as details on your income,your debt level, and your current financial commitments.

Identify your goalsWe work with you to clarify and prioritise your investment andlifestyle needs and goals, and make decisions about your comfortlevel in regards to investment risk.

Identify your financial issuesOnce we’ve established your current circumstances and futuregoals, we consider your attitudes to important issues such aswealth protection, retirement and estate planning. We alsoidentify possible obstacles to success, so that strategies can beapplied to your financial plan to offset them.

Step 1Discovery

Step 3Implementation

Step 2Preparation

Step 4Review

• Letter of Engagement

• Preparation & presentation of statement of advice

• Review• Portfolio

refinement

• Introduction• Financial needs

analysis

• Authority to proceed

• Application

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STEP 2—PREPARATIONProposalOnce the discovery phase is complete, we will confirm how wecan assist you in a letter of engagement and tailor a recommended financial plan in the form of a ‘statement of advice for your consideration that incorporates:

• a portfolio of investments to help you achieve your goals while addressing your attitude to investment risk;• recommendations for wealth protection, such as income and life insurance;• a proposal for dealing with your estate planning wishes;• strategies to deal with specific issues and goals that you have; and• any cash flow, tax effective strategies and social security issues.

Our recommendations are supported by up-to-date research onsuitable investment options and economic and investment market trends, and our knowledge of current legislation.

Review and agreeOnce you’ve read and understood our recommendations,together we refine and adjust your plan until you arecomfortable and satisfied with the course of action.

STEP 3—IMPLEMENTATIONOnce you approve the recommendations, we carry out theadministration to establish your financial plan. At this point wealso discuss the level of service you require (i.e. frequency ofcontact, review meetings, and access to information) andschedule subsequent meetings accordingly.

STEP 4— REVIEWIt’s essential to review your financial plan at least annually.Changes to economic conditions, investment markets and yourown circumstances and goals can affect the relevance of yourplan. At review meetings, we work with you to reassess yourplan and determine whether any refinements are required toensure it continues to meet your needs.

“On retirement in 1999 on advice from our accountant, we were told to see Paul McErvale, as we wouldn’t get better advice in Mildura on how to handle our money in retirement. We didn’t really know what was needed to shore up our money for the rest of our lives, but after our first visit to Paul he made us feel happy in the way he was structuring our funds and we soon built a good friendship.

We have found Paul to give good advice and will listen to any suggestions that we may put forward. We have often said that our present comfortable financial position started the day we first met in Paul’s office.

Summing up, we are very pleased with our arrangement and would have no hesitation in sending people to Harvest Wealth for advice.”

Ian and Elaine

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OUR SERVICESBuilding your wealthWithout a sound plan, it’s too easy for your hard-earnedmoney to slip through your fingers. Just earning isn’t enough. Ifyou’re serious about wealth building, you need to put yourmoney to work. We can work with you to design and put intoaction a wealth building plan that will create the foundationfor your future lifestyle.

Investment selectionWe all want to build enough wealth to provide financialsecurity and a comfortable lifestyle. Investing can be complexand there are many options to choose from, so we keep up-to-date with the investment options available using high qualityindependent research, a key to our Investment Philosophy. Wecombine this knowledge with our understanding of investmentmarkets, economic conditions and your attitude to investing toselect investments that are best suited to your needs.

Debt managementAn essential tool in life is to have an effective budget. Not onlywill it help with management of debt, but is the first step onthe Wealth Creation Journey. Budgeting reduces your stresslevels or the “financial fear factor” and puts you in financialcontrol. We can support you in this with a free budgeting tooland analysis of your spending, assisting you to plan for futureadditional desired expenditure or investments.

Superannuation, rollovers and retirement planningThe government provides generous tax incentives to encourageAustralians to invest in superannuation. The more you takeadvantage of these, the more super you’re likely to accumulateover time, and the better your lifestyle is likely to be in retirement. Most people find it difficult to know how much tocontribute to superannuation. Our approach is to start at theend, and ask you what sort of lifestyle you want to enjoy inretirement. Then we create a superannuation strategy to suityour needs. We can also assist you in saving money byconsolidating your various super funds.

Maximising your retirement incomeOnce you’ve retired, the maximisation of your retirement incomeis a major priority. After all, Australians can now expect to enjoy up to 25 to 30 years of retirement. That’s a lot of living to fund! We can help you at this critical phase of your life by helping you structure your assets to take advantage of the concessions under taxation and social security laws, with the key aim to maximise your income throughout your retirement.

Redundancy and retrenchmentIt can be easy to treat a redundancy or retrenchment paymentas a short-lived spending opportunity. However, we can helpyou obtain the greatest long-term benefit from redundancy/retrenchment by minimising your tax liability and incorporatingthe payment within a structured plan that will help you achieveyour overall financial goals.

Risk insuranceWhile many people think nothing of insuring their home, carand possessions, many people forget how even more importantit is to make sure your family and lifestyle are protectedfrom financial misfortune. Losing your future earning powercan be financially devastating. Without a regular income, it canbe challenging just paying for everyday household expenses likegroceries and power bills, while ongoing mortgage repaymentsor school fees can quickly eat away any savings. Worse still, ifyou’re self employed and can’t work because you’re ill orinjured, you could be faced with the added pressure of thebusiness bills rolling in.

The good news is we can use risk insurance to structure a totalfinancial protection package for you to protect against loss ofincome, disablement, serious illness and death. We can helpyou decide what cover is right for you. If you own a business,we can also review your business insurance needs.

“Our experience with Harvest Wealth as financial advisers has extended over two generations. We have found their personal guidance in relation to planning retirement and maintaining financial assets exceptional. In ancillary matters such as aged care, Centrelink commitments and estate planning, Harvest Wealth’s assistance has been invaluable”

Client name withheld upon request

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Social security/Centrelink assistanceWhen planning for your financial future, it is important to findout if you qualify for any of the government benefits availableto individuals and families. These include (but are not limitedto) the age pension, mature age allowance, family tax benefit,parenting payment and disability support pension. There is alsoa range of benefits for service veterans.

Aged care servicesMoving into an aged care facility can be a harrowingexperience for the whole family. The financial arrangementsrelated to this need not be. We can help negotiate all areas ofthe financial entry requirements of an aged care home, includingbond payments, interest charges and paperwork.

Whether you are just seeking information about the type ofaged care services available, or are looking for full support, wehave ready information and can tailor a package to suit yourneeds and budget.

Estate planningWith sound estate planning, you can ensure that in the event ofyour death, your affairs are managed by someone you trust,your assets are transferred according to your wishes, and anytax liabilities are minimised. While a solicitor can take care ofthe legal aspects of your will, we can look at your total financialpicture and help you with a broad range of issues such asfunding and protecting your estate, avoiding challenges to yourwill and minimising tax.

Intergenerational planningPassing the family business or farm onto the next generationoften requires sound planning and guidance. And there’s peaceof mind in knowing the members of your next generation aresufficiently building, protecting and managing their wealth. Ourintergenerational services can help.

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OUR SERVICE DELIVERY OPTIONSAt Harvest Wealth, our services are delivered in two phases:

• Initial advice to establish your plan, and

• Ongoing service and advice to ensure it stays on track, and any changes are taken into consideration.

Initial adviceThe initial advice is a one-off strategy development andimplementation service. It is the first stage of our ongoingadvisory relationship with you and focuses on the design andexecution of your financial strategy.

It is also suitable for people who would like to receive one-offlimited advice on a financial planning product such as superannuation, managed investments or insurance protection and don’t wish to benefit from regular reviews.

Continuing service packagesHarvest Wealth offers four ongoing service and advice optionsto help you stay on track to achieve your goals:• VIP package

• Standard package

• Basic package

• Advice Essentials

Each package offers a range of features and benefits, and can beadapted to meet the individual needs of the client.

Additional servicesHarvest Wealth also offers additional specialist services,including:

• Centrelink Service Assistance in Centrelink matters, including preparation

of all requirements for Centrelink including any forms of investment updates.

• Share portfolio management We can manage your share portfolio and offer objective

independent research of top quality from some of Australia’s leading institutions.

• Estate planning and beneficiary kit Exclusive to Harvest Wealth is a Beneficiary Kit used to keep all your important documents, which we update at

review time

• Aged care service Tailored financial advice for you and your family in regards to aged care accommodation.

These additional services are all included in our VIP package.Alternatively, you may choose to ‘mix and match’, so that theStandard or Basic packages can be tailored to suit your needs.

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“We would like to thank the team at Harvest Wealth for the service they have provided over the past years. Prior to our retirement we met with Paul to see if retirement was indeed an option, and we were both quite impressed with his concern and plans for our future.

I must admit I had always thought that retirement was about “living on what was left: and it never occurred to me that we could tailor our funds to suite our needs. Harvest Wealth, through Paul, has expanded our thinking regarding what can be done in our “leisure years”, and their competent handling of our retirement portfolio deserves high praise.

We would have no hesitation recommending the services of Harvest Wealth to anyone considering financial advice and plans for the future.

Barb and John Drury

HELPING YOU TO GROW, MANAGE AND PROTECT YOUR WEALTH

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COMMITTED TO OUR REGION AND OUR VALUESWhile Harvest Wealth is expanding its clientele throughout rural Australia, our long-term aspirations involve a continuation of our solid commitment to Sunraysia and surrounding districts. And as we continue to grow, our values represent the fundamental principals of our business and guide our behaviour in all dealings:

Client focusedOur clients are our highest priority. We care for them by always striving to understand their circumstances and objectives, anticipating their needs, meeting their expectations, aiming to provide continued value and always treating them with compassion and respect.

Open, honest communication In all our dealings with clients, colleagues and associates, we listen carefully and clarify to ensure we have a shared understanding, and respond with open, honest and thoughtful communication. It is only through this standard of communication can we develop lasting, successful relationships.

PassionWe are passionate about what we do, and are proud of our achievements. We believe that passion for what we do is the key driver to personal satisfaction and business success.

TeamworkWhen it comes to achieving the goals of our clients’ and our business, we know that teamwork can solve issues better than any one person. By understanding and accepting our differences and embracing our individual and collective strengths, we work as a team and serve as a team.

AccountabilityWe take full responsibility and accountability for our actions – both individually and as a team. We manage expectations and do what we say we are going to do – no exceptions.

Integrity and professionalismWe are committed to professional excellence, following the highest standards of technical and ethical conduct in everything we do. We aim to always do the right thing first, not the easy thing.

FlexibilityWe know that change is an ever-present part of life, and we embrace it as an opportunity to learn, grow and improve. We respond to ongoing change by consulting with all stakeholders and promptly adapting to achieve the strategic vision of our business.

Fun, friendly atmosphereAlong with the serious side of business, there needs to be fun. We love what we do, we take pleasure from our interactions with our clients, colleagues and associates and we remember to celebrate our successes. For us, enjoyment equals fulfilment.

EmpowermentWe are committed to ensuring our clients and our staff are provided with the education, knowledge and resources they need to make informed decisions and take appropriate action.

The fundamental aim of Harvest Wealth is to develop structured investment solutions to help clients meet their desired objectives, in a transparent and open environment

without undue risk, cost or complexity.

We execute the journey of achieving your lifestyle goals to a disciplined, structured and well-managed planning process.

Harvest Wealth is a multi-award winning practice, providing valuable financial planning advice to individuals and businesses. Our awards of recognition include Value of Advice in 2008,

multiple times SA Practice of the Year for Financial Wisdom, Outstanding Practice for Financial Wisdom 2007, and Financial Wisdom Practice of the Year 2012.

AWARDS

OUR INVESTMENT PHILOSOPHY

Harvest Wealth Pty Ltd93 Pine Avenue, Mildura, Victoria, 3500

Telephone: 03 5021 2212 | Email: reception@harvestwealth.net.au | Website: www.harvestwealth.net.au