The SMSF Expert Pty Ltd provides advice which is limited to:

1. Financial product advice for the following classes of financial products:
   1. Superannuation limited to:
      1. Self Managed superannuation fund;
      2. A persons existing holding in a superannuation product but only to the extent required for:
         1. Making a recommendation that the person establish a self managed superannuation fund; and
         2. Providing advice to the person on contributions or pensions under a superannuation product;
2. Provide class of financial product advice for the following classes of financial products:
   1. Deposit and payments products limited to:
      1. Basic deposit products
      2. General insurance products
      3. Life products limited to:
         1. Life risk insurance products
      4. Simple managed investment schemes
      5. Securities; and
      6. Superannuation; and
3. Deal in a financial product by:
   1. Arranging for another person to issue, apply for, acquire, vary or dispose of a financial product in respect of the following classes of financial products:
      1. Superannuation limited to:
         1. Self managed superannuation fund; and
      2. Arranging for another person to apply for, acquire, vary or dispose of financial products in respect of the following classes of financial products:
         1. Superannuation limited to:
         1. Self managed superannuation fund

The SMSF Expert Pty Ltd is not authorised to provide specific financial product advice so we will not be able to recommend that you purchase any particular financial product. We are limited to class of product advice only.

What information should I provide to receive personalised advice?

You need to provide us with a list of your personal objectives, details of your current financial situation and any relevant information, so that we can offer you the most appropriate advice possible.

You have the right not to tell us, if you do not wish to. However, if you do not, the advice you receive may not be appropriate to your needs, objectives and financial situation.

You should read the warnings contained in our Statement of Advice carefully before making any decision relating to a Financial product/s.

What information do you maintain in my file and can I examine my file?

We maintain a record of your personal profile including details of your objectives, financial situation and needs. We also maintain records of any recommendations made to you.

We are committed to implementing and promoting a privacy policy, which will ensure the privacy and security of your personal information. A copy of our privacy policy can be provided upon request. If you wish to examine your file, please ask us. We will make arrangements for you to do so.

We may, from time to time, employ the services of third party contractors in the course of preparing your advice documents. To facilitate this preparation process we may pass on any collected personal and sensitive information to these contractors who will use the information solely for the purposes of preparing your advice document. We ensure that businesses we have relationships with abide by the National Privacy Principles and will not pass on or use your information for any other purposes. Once the relevant task has been completed, your information will be returned or erased from their systems. By engaging us to prepare your advice document you are acknowledging this disclosure and providing your consent for us to deal with your information in this manner. For further information, please contact our privacy officer.

How will I pay for the services provided?

The SMSF Expert operates on a fee for service basis. The SMSF Expert Pty Ltd does not and will not accept any commissions or other forms of direct or indirect payment from any product issuer or adviser that we refer you to for product advice.

We will always provide you with a fee quote before commencing any engagement and you will be aware of any fees you will have to pay us before you instruct us to do any work for you.

We calculate our fees based on the estimated amount of time we will spend on your engagement. And as we said, we will give an estimate of our fee before commencing our engagement and where possible will give the exact fee. We will give you a Statement of Advice containing details of our fees.

Will anyone be paid for referring me to you?

No, not only do we not accept commission but we also do not pay them for referrals.