Question 1

BLA Parker Pty Ltd: Financial Services Guide Part 1

Accepted Answer

Financial Services Guide
Part 1 Version 2
1 April 2022  Australian Financial Services Licensee (AFSL) Parker Wealth Management Pty Ltd (AFSL 519344) This Financial Services Guide (FSG) is authorised for distribution by Parker Wealth Management Pty Ltd.  Corporate Authorised Representative BLA Parker Pty Ltd (ASIC# 1292740 ABN 68 651 628 072) BLA Parker Pty Ltd acts on behalf of Parker Wealth Management who is responsible for the services that we provide.  Your Financial Adviser Your financial adviser is a director or employee of BLA Parker Pty Ltd.
 Their details are set out in an Adviser Profile which is Part 2 of this FSG. Your financial adviser is an Authorised Representative of BLA Parker Pty Ltd. They act on behalf of Parker Wealth Management who is responsible for the services that they provide.  Contact Details 9 Victoria Street
 Hall ACT 2618 T  +61 (0)2 6225 8200
F  +61 (0)2 6225 8222
W blapl.com.au   Purpose of this FSG This FSG will help you decide whether to use the services that we* offer. It contains information about: The services we offer and their cost Any conflicts of interest which may impact the services How we are remunerated How we deal with complaints if you are not satisfied with our* services. * In this document ‘we’ and ‘our’ refers to BLA Parker Pty Ltd and your financial adviser.   Parker Wealth Management  Not Independent
Pursuant to s293A of the Corporations Act, we are prohibited from using the terms independent, impartial, or unbiased as we, our AFSL, or another authorised     representative authorised by our AFSL, may receive investment or insurance     commissions from product providers that are not rebated in full: s923A(2)(a)(i).
Parker Wealth Management holds an Australian Financial Services Licence. It is required to comply with the obligations of the Corporations Act and the conditions of its licence. This includes the need to have adequate compensation arrangements in place with a Professional Indemnity insurer for the financial services that it and its current and past representatives provide.  Our Services We are authorised to provide personal advice and dealing services as specified in the Adviser Profile which is Part 2 of this FSG.  The Financial Advice Process We recognise that the objectives and personal circumstances of each client are different.  Where we provide personal advice, we will listen to you to understand your objectives and circumstances. We will also ask questions to make sure we provide advice which is in your best interests.  When we first provide personal advice to you it will be explained thoroughly and documented in a Statement of Advice (SOA) which you can take away and read.  The SOA will explain the basis for our advice, the main risks associated with the advice, the cost to you of implementing the advice, the benefits we receive and any conflicts of interest which may influence the advice.  At all times you are able to contact us and ask questions about our advice and the products we recommend.  For administration platforms, managed funds and relevant financial instruments or products, we will provide you with a Product Disclosure Statement (PDS) or link to the PDS. This contains information to help you understand the product being recommended.  You can provide instructions to us in writing, via phone or via email. In some cases, we may require you to provide signed instructions.  We may provide further advice to you to keep your plan up to date for changes in your circumstances, changes in the law and changes in the economy and products. If we provide further advice, it will be documented in a Record of Advice (ROA) which we retain on file. You can request a copy of the ROA document at any time up to 7 years after the advice is provided. 
Fees All fees are payable to BLA Parker Pty Ltd.  Initial Fees The Advice Preparation fee includes meeting with you, the time we take to determine our advice and the production of the SOA. It is based on the scope and complexity of advice provided to you. We will agree the fee with you before providing you with advice.  If you decide to proceed with our advice, we may charge an Implementation fee for the time we spend assisting you with implementation. We will let you know what the fee will be in the SOA.    Ongoing Advice and Services Agreements Our annual Advice will be commensurate to the level of service that we provide you and the complexity of the advice provided. We will typically charge an ongoing fee which is agreed with you at the commencement of each anniversary year. The fees will be deducted monthly from your account managed by us. You can elect to enter into a 12 month Advice and Services Agreement in order to receive advice services and reviews of your financial plan. Details of the services will be set out in your 12 month Advice and Services Agreement.  Referral Fees In some situations, we may pay a fee to external parties who have referred you to us. The referral arrangements and any payments will be disclosed in full when we provide you with an SOA.  Commissions We may receive investment commissions and other benefits from some product providers. Commissions or benefits vary depending on the recommended product but will be clearly documented in the SOA or ROA.  Other Benefits We may receive other non-monetary benefits from product providers such as training, meals and entertainment. Details of any benefits received above $100 will be maintained on a register which is available to you on request.  Adviser Remuneration The directors and owners of the practice are remunerated through the profits that the practice makes.   Employees of the practice are paid a salary. They may also receive a performance bonus which is based on a number of criteria including the profits that the practice makes. 
Conflicts of Interest Your financial adviser may recommend investments in shares that they hold or may hold in the future. You will be advised where a conflict of interest may exist and how the conflict will be managed. 
Making a Complaint We endeavour to provide you with the best advice and service at all times. If you are not satisfied with our services then we encourage you to contact us. We accept complaints over the phone, in person, via email or letter or on our social media channels. The best option is to call us or put your complaint in writing to our office. We will endeavour to resolve your complaint in 5 business days. If you still do not receive a satisfactory outcome or we don not respond to you within 30 business days after you make the initial complaint, you have the right to complain to the Australian Financial Complaints Authority (AFCA) at the following address:  Australian Financial Complaints Authority (AFCA) GPO Box 3
 Melbourne VIC 3001 T  1800 931 678
E  info@afca.org.au 
W www.afca.org.au   You may only contact AFCA once you have followed the above procedure. Our Complaints Handling Procedure is available on request. 
Your Privacy We are committed to protecting your privacy.  We have a Privacy Policy which sets out how we collect, hold, use and disclose your personal information. It also sets out how you can access the information we hold about you, how to have it corrected and how to complain where you are not satisfied with how we have handled your personal information.   Our Privacy Policy is available on request and on our website.

Question 2

BLA Parker Pty Ltd: Financial Services Guide Part 2

Accepted Answer

Adviser Profile Part  2 – Dyon Keil Version 2
1 April 2022  This Adviser Profile has been authorised for distribution by Parker Wealth Management Pty Ltd and is to be read in conjunction with the Financial Services Guide (FSG) Part 1 version 2 dated 1 April 2022. This Adviser Profile forms part of the FSG.  Authorised Representative Dyon Keil (ASIC# 001006910)  Corporate Authorised Representative BLA Parker Pty Ltd 
(ASIC# 1292740 ABN 68 651 628 072)  About your adviser Dyon Keil is a Financial Adviser and Authorised Representative of BLA Parker Pty Ltd, which is a Corporate Authorised Representative of Parker Wealth Management Pty Ltd   (AFSL# 519344).  Dyon has over 13 years’ experience in the financial services industry. During this time, he has advised clients from a broad range of backgrounds, providing guidance through the complex superannuation and investment environments whilst tax effectively building their wealth.  He understands life is busy and many clients do not have either the time or the knowledge required to maximise their financial situation.   Over the years, Dyon has found the essence to providing quality advice is having quality   discussions with clients – understanding what they want and need to achieve   financial security in their lifetime. He believes in a long-term view, maintaining trusted relationships and being a primary point of contact when legislative or personal circumstances change. In addition, he focusses on providing advice in easy-to-understand terms that are clear and concise.  Qualifications Graduate Diploma of Financial Planning Advanced Diploma of  Financial Services (Financial Planning) Diploma of Financial Services (Financial Planning) Diploma of Financial Markets A Financial Planner AFP®  Professional Memberships Financial Planning Association of Australia (FPA)  Services Dyon is authorised to provide personal advice and dealing services in the following areas: Superannuation  Retirement planning  Portfolio management Managed investments.   Adviser Profile Part 2 – Bhavna Patel
Version 1
 1 April 2022  This Adviser Profile has been authorised for distribution by Parker Wealth Management Pty Ltd and is to be read in conjunction with the Financial Service Guide (FSG) Part 1 version 2 dated 1 April 2022. This Adviser Profile forms part of the FSG.  Authorised Representative Bhavna Patel (ASIC#   001004204)  Corporate Authorised Representative BLA Parker Pty Ltd 
(ASIC# 1292740 ABN 68 651 628 072)  About your adviser Bhavna Patel is a Financial Adviser and Authorised Representative of BLA Parker Pty Ltd, which is a Corporate Authorised Representative of Parker Wealth Management Pty Ltd   (AFSL# 519344).  Bhavna has over 21 years’ experience attributed into the financial industry in Australia and in the UK.  She has extensive experience in advising individuals and families on how to build, protect and manage their wealth.  Bhavna is passionate about helping people to achieve their goals and aspirations. She is proficient in developing long term relationships with clients and always puts their interest first in providing holistic financial advice.  Bhavna is determined and deeply interested in what motivates people, and she collaborates with her clients to interpret their values and specific objectives. In her spare time Bhavna often reads about the financial industry finding it ‘fascinating and complex’. It is important to her to keep abreast of legislative changes and to sharpen her knowledge within the industry so that she is fully equipped when meeting her clients.  She lives and has been working as a Financial Adviser in Canberra since 2014. She supports Stroke Foundation Australia and does some volunteer work when she can. She enjoys bush walking and being with the nature in her free time.  Qualifications Fellow Chartered Financial Practitioner Advanced Diploma of Financial Planning (Practice Management) Diploma of Financial Planning Self Managed Superannuation Funds Tier 1 Margin Lending – Personal Advice  Professional Memberships Financial Planning Association of Australia  Services Bhavna is authorised to provide personal advice and dealing services in the following areas: Superannuation  Retirement planning  Portfolio management Managed investments.   Adviser Profile Part 2 – Robert Beith
Version 1
1 April 2022  This Adviser Profile has been authorised for distribution by Parker Wealth Management Pty Ltd and is to be read in conjunction with the Financial Service Guide (FSG) Part 1 version 2 dated 1 April 2022. This Adviser Profile forms part of the FSG.  Authorised Representative Robert Beith (ASIC# 00241841)  Corporate Authorised Representative BLA Parker Pty Ltd 
(ASIC# 1292740 ABN 68 651 628 072)  About your adviser Robert Beith is a Financial Adviser and Authorised Representative of BLA Parker Pty Ltd, which is a Corporate Authorised Representative of Parker Wealth Management Pty Ltd (AFSL# 519344).  Robert has over 30 years’ experience in the financial services industry including extensive experience as a certified financial adviser, in compliance and as a financial   accountant. Robert combines this experience and his financial planning knowledge in providing sound advice to clients to achieve their financial, lifestyle and retirement objectives.  Robert grew up in Dubbo, was educated in Sydney and has lived in Bungendore for nearly 30 years. Married with three adult children, Rob enjoys bike riding (mountain   with a bit of road riding), playing golf, following rugby, gardening, managing his paddocks and animals and visits to a little place on the NSW south coast.   Qualifications Bachelor of Economics Diploma of Financial Planning A Certified Financial Planner®  Professional Memberships Financial Planning Association of Australia   Services Robert is authorised to provide personal advice and dealing services in the following areas: Superannuation  Retirement planning  Portfolio management Managed investments.

Question 3

Barnett Lilley & Associates: Privacy Policy

Accepted Answer

In accordance with legislative and privacy policy requirements, we are required to bring to your attention the following:

Our Commitment 
BL&A abide by the National Privacy Principles established under the Privacy Amendment (Private Sector) Act 2001. In addition to the National Privacy Principles, BL&A has also elected to adhere to the Financial Planning Association Professional Code of Conduct. As a licensed securities dealer, BL&A also adhere to Corporations Law. Collection 
As a financial planning organisation we are subject to certain legislative and regulatory requirements, which necessitate us obtaining and holding detailed information which personally identifies you and/or contains information or an opinion about you. In addition, our ability to provide you with a comprehensive financial planning and advice service is dependent on us obtaining certain personal information about you, including: (a) employment details and employment history; (b) details of your financial needs & objectives; (c) details of your current financial circumstances, including your assets and liabilities (both actual and potential), income, expenditure, insurance cover, and superannuation; (d) details of your investment preferences and aversion or tolerance to risk; (e) information about your family commitments and social security eligibility, and in some circumstances, your general heath; and (f) personal reference numbers including tax file numbers, bank account details, employee numbers, and investment reference numbers. If you choose not to provide the personal information referred to above, you may be exposed to higher risks in respect of the recommendations made to you. You may also affect the adequacy or appropriateness of the advice we give you.   Use & Disclosure   We will not collect any personal information about you except when you have knowingly provided that information to us or authorised a third party to provide that information to us. We are required under the Rules of Professional Conduct of the Financial Planning Association of Australia Ltd to make certain information available for inspection by the Association on request to ensure ongoing compliance with mandatory professional standards. This may involve the disclosure of your personal information. We are also obliged pursuant to the Corporations Act to maintain certain transaction records and make those records available for inspection by the Australian Securities and Investment Commission. From time to time we may also be required under other legislative and practice requirements to disclose your personal information, though we will not do this unless we see it as necessary.   2 We may use the personal information collected from you for the purpose of providing you with direct marketing material such as articles that may be of interest to you, however you may, by contacting us, request not to receive such information and we will give effect to that request. We will do this as soon as practicable. We may disclose your Personal Information to superannuation fund trustees, insurance providers, and product issuers for the purpose of giving effect to your financial plan and the recommendations made by us. In the event that we propose to sell our business we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is affected, we may transfer your personal information to the purchaser of the business. As clients, you will be advised of any such transfer. Your personal information is generally held in your client file. Information may also be held in a computer database. In the event that you cease to be a client of BL&A, any personal information which we hold about you will be maintained in a secure storage facility for a period of seven years in order to comply with legislative and professional requirements. Following this time, the information will be securely destroyed. Success & Correction

You may at any time, by contacting us, request access to your personal information and we will provide you with access to that information. This will be done either by providing you with access to that information, by providing you with copies of the information requested, allowing you to inspect the information requested, or providing you with an accurate summary of the information held. We will, prior to providing access in accordance with this policy, require you to provide evidence of your identity. We will endeavour to ensure that, at all times, the personal information about you which we hold is up to date and accurate. In the event that you become aware, or believe, that any personal information that we hold about you is inaccurate, incomplete or outdated, you may contact us and provide to us evidence to demonstrate this. We will, if we agree that the information requires correcting, take all reasonable steps to correct the information. We will endeavour to respond to any request for access within 14-30 days depending on the complexity of the information and/or the request. If your request is urgent please indicate this clearly.

Complaints Resolution 
If you wish to complain about any breach or potential breach of this privacy policy or the National Privacy Principles, you should contact us by any of the methods detailed below and request that your complaint be directed to the Privacy Officer. Your complaint will be considered and responded to within seven days. It is our intention to use our best endeavours to resolve any complaint to your satisfaction, however, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.

Contact Us

If you seek any further information from Barnett Lilley & Associates Pty Ltd about this Statement or our privacy policy generally, please contact our Privacy Officer at one of the reference points below:

Privacy Officer
Address: PO Box 343, Hall ACT 2618
Telephone: 02 6225 8200
Facsimile: 02 6225 8222
Email: clients@blapl.com.au

Additional Privacy Information

Further information on privacy in Australia may be obtained by visiting the web site of the Office of the

Question 4

Barnett Lilley & Associates: Financial Services Guide for Stephen Barnett

Accepted Answer

The Financial Services Guide (FSG) is intended to inform both our potential and existing clients of certain basic matters relating to our relationship, prior to us providing you with a financial service. You have the right to ask us about our charges, the type of advice we will give you, and what you can do if you have a complaint about our services. This Financial Services Guide (FSG) is intended to inform you of certain basic matters relating to our relationship, prior to us continuing to provide you with a financial service. It is intended that this FSG should assist you in determining whether to continue to use any of the services described below.   You should also be aware that you are entitled to receive a Statement of Advice whenever we provide you with any advice which takes into account your objectives, financial situation and needs. The Statement of Advice will contain the advice, the basis on which it is given and information about fees, commissions and associations which may have influenced the provision of the advice. In the event we make a recommendation to acquire a particular financial product (other than securities) or offer to issue or arrange the issue of a financial product, we must also provide you with a Product Disclosure Statement containing information about the particular product which will enable you to make an informed decision in relation to the acquisition of that product.   The matters covered by the FSG include: who we are how we can be contacted what services we are authorised to provide how we (and any other relevant parties) are remunerated details of any potential conflicts of interest and details of our internal and external dispute resolution procedures and how you can access them. It is intended that this FSG should assist you in determining whether to
continue to use any of the services described below.

You should also be aware that you are entitled to receive a Statement of
Advice whenever we provide you with any advice which takes into
account your objectives, financial situation and needs. The Statement of
Advice will contain the advice, the basis on which it is given and
information about fees, commissions and associations which may have
influenced the provision of the advice.

In the event we make a recommendation to acquire a particular financial
product (other than securities) or offer to issue or arrange the issue of a
financial product, we must also provide you with a Product Disclosure
Statement containing information about the particular product which will
enable you to make an informed decision in relation to the acquisition of
that product.

Key information is set out in answer to the following questions: 1. BEFORE YOU GET ADVICEWho is my adviser?  Your adviser is Stephen Barnett who is Director and Representative of
Barnett Lilley & Associates Pty Ltd. 
Stephen has worked as a financial consultant since May of 1996 after
some 13 years in superannuation administration and policy with the
Australian Public Service (APS). During his APS career Stephen
occupied senior positions with ComSuper, the Insurance and
Superannuation Commission, and the superannuation policy section of
the Australian Taxation Office. 
Stephen also worked for the Queensland Public Service, during which
time he was head of administration of Qsuper, State Super, and Go
Super. 
His practical and technical experience provides him with a complete
knowledge of the intricacies applicable to the specifics of the APS
superannuation arrangement as well as the broader retirement and
taxation considerations of retirement incomes policy. 
In addition to holding the degree of Bachelor of Commerce (Banking &
Finance) and the Diploma of Financial Planning, Stephen has completed
his Masters of Commerce. Stephen has been listed as a Certified
Financial Planner by the Financial Planning Association. Who will be responsible forthe advice given to me?
Stephen Barnett is a representative of Barnett Lilley & Associates Pty
Ltd who is therefore responsible to you for any financial services your
adviser provides. 
Barnett Lilley & Associates Pty Ltd is a financial consultancy firm,
licenced to deal in securities by the Australian Securities and Investment
Commission (AFSL No 237915). Stephen Barnett is also a member of
the Financial Planning Association, an organisation that seeks to set
industry standards for members in relation to education qualifications,
professional conduct and ethics. 
Barnett Lilley & Associates Pty Ltd is a member of the industry disputes
resolution scheme – Australian Financial Complaints Authority Limited. What financial services are available to me?
There has been careful consideration of the type of services that BL&A
will provide, and the most efficient way of providing these services. We
believe that financial services can be categorised as essential and
peripheral. 
Essential services are those that we intend to provide directly to our
clients. These services are those that we have specialist skills in, and
are therefore able to add value when personally providing them to our
clients. 
These services include:
• superannuation fund/benefit analysis
(particularly government schemes);
• remuneration strategies;
• taxation strategies;
• investment strategies; and
• assessing strategic opportunities that may arise. 
We only recommend an investment to you after considering its suitability
for your individual investment objectives, financial situation and needs.
Full financial plans are not undertaken and advice is limited to the
services as listed above.

Peripheral services are those that we believe can be done more
effectively if they are outsourced to other specialists. Just as we have
expertise in the specific areas outlined above, it makes sense to use the
specialist skills of others in matters that we do not specialise in. These
peripheral services include accounting, legal and estate matters,
insurance, and stockbroking.

Clients who have placed investments with BL&A will receive a regular
newsletter which will cover issues of relevance. In addition to the
newsletter, seminars will be conducted for clients from time to time when
issues of importance arise.   What is the Financial Planning Process?
Our aim is to ensure that you receive quality advice tailored to your
specific requirements. The following financial planning process is in
place to ensure that you receive the benefit of proper disclosure, that
your adviser is able to ascertain critical and timely information about
your actual circumstances and can provide you with appropriate advice
that is designed to meet your best interests.   Step one.  You have been provided with this FSG.

Step two.  You may be asked to complete our “Fact Find” prior to the appointment.
This provides us with information about your relevant personal
circumstances (i.e. information about your goals, objectives, financial
situation and needs), so your adviser can provide you with appropriate
advice. The information collected will form the basis for any advice
provided by your adviser. Step three.  You will meet with your adviser and a solution will be tailored to your
relevant personal circumstances. Step four. A Statement of Advice (SoA) will be prepared by your adviser and
provided to you. The SoA sets out the adviser’s recommendations and
the basis for those recommendations. If the SoA makes
recommendations concerning investments, the SoA will contain details
of the costs associated with these investments. Step five. Where an SoA makes recommendations concerning the investment of
funds, subject to your agreement and instructions, the
recommendations will be implemented. Step six.  Where an investment is made, it will be reviewed and revised at regular
intervals as agreed by you, or when circumstances change.

How are fees calculated and paid?
BL&A operate on a fee for service basis, charging an hourly rate of $325
for work performed. This is inclusive of GST.

This rate will apply to all work performed by Stephen. Under
Corporations law, Barnett Lilley & Associates Pty Ltd are legally obliged
to provide all recommendations in writing. The time spent in preparing
these recommendations will also be charged at the rate of $325 per
hour. We are able to provide an estimate of the time required for given
types of work.

Where our advice extends to making investment recommendations, the
client will be offered the option of paying an ongoing adviser fee to cover
all ongoing monitoring, reviews, and dealings with the investment.
Alternatively, the client may opt to continue paying for our ongoing
involvement on our hourly fee basis. Additional detail regarding these
two options and the costs involved would be provided before the client
invests funds.

Barnett Lilley & Associates Pty Ltd has adopted the Investment &
Financial Services Association (IFSA)/Financial Planning Association
(FPA) Industry Code of Conduct on Alternative Remuneration in the
Wealth Management Industry. As an FPA member, an ‘Alternative Form
of Remuneration Register’ is available which outlines the alternative
forms of remuneration which are paid and received from givers and
receivers. Registers are maintained by Fund Managers, IDSP (platform)
providers, Representatives and Licensees. Our registers are available
for inspection on request and on our website.

Do you have Professional Indemnity Insurance?
Barnett Lilley & Associates Pty Ltd has professional indemnity Insurance
cover of $2,500,000 for any one claim and $5,000,000 in the aggregate,
with the availability of one reinstatement, to cover business risks for
giving advice.

2. WHEN YOU GET OUR ADVICE Do I get detailed information about the costs associated with investing?
Yes. You have the right to know about details of all associated costs
when investments are recommended.

We will provide you with a Statement of Advice containing details of our
fees and payments when we make specific recommendations.

Will you give me advice which is suitable to my investment needs andfinancial situation?
Yes. But 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 divulge this information to us, if you do not wish
to do so. In that case, we are required to warn you about the possible
consequences of us not having your full personal information. You
should read the warnings carefully.

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
investment objectives, financial situation and needs. We also maintain
records of any recommendations made to you. If you wish to examine
your file, ask us and we will make the arrangements.

Can I tell you how I wish to instruct you to buy or sell my investment?
Yes. You may specify how you would like to give us instructions - for
example by telephone, fax or other means.

3. IF YOU HAVE ANY COMPLAINTS

Who can I complain to if I have a complaint about the financial service?
If you have any complaint about the service provided to you, you should
take the following steps:

Complete a ‘Complaint Form’ which is available on our web site and
send it to Barnett Lilley & Associates Pty Ltd together with any relevant
documents to PO Box 343, Hall ACT 2618 or email
‘clients@blapl.com.au’. We will attempt to resolve the complaint as
soon as possible and in line with our Dispute Resolution process.

If you are not satisfied with the outcome you can contact the Australian
Financial Complaints Authority on their toll free number 1800 931 678.
Alternatively, you may prefer to write to the Australian Financial
Complaints Authority:

Australian Financial Complaints Authority
GPO Box 3
Melbourne Vic 3001
Freecall 1800 931 678
Fax 03 9613 6399
Email info@afca.org.au
Website www.afca.org.au

Please Note: The Australian Financial Complaints Authority is a free
service and fully paid for by its members. We are a member of this
scheme.

The Australian Securities and Investment Commission (ASIC) also has
a freecall infoline on 1300 300 630 which you may use to make a
complaint and obtain information about your rights.

The Financial Planning Association of Australia Limited is the
professional body representing most of Australia’s licensed financial
planners and advisers.

Their address is GPO Box 4285, Sydney NSW 2001 and they can be
contacted on 1300 337 301.

Question 5

Barnett Lilley & Associates: Financial Services Guide for Scott Lilley

Accepted Answer

The Financial Services Guide (FSG) is intended to inform both our potential and existing clients of certain basic matters relating to our relationship, prior to us providing you with a financial service.   You have the right to ask us about our charges, the type of advice we will give you, and what you can do if you have a complaint about our services.This Financial Services Guide (FSG) is intended to inform you of certain basic matters relating to our relationship, prior to us continuing to provide you with a financial service.   It is intended that this FSG should assist you in determining whether to continue to use any of the services described below. You should also be aware that you are entitled to receive a Statement of Advice whenever we provide you with any advice which takes into account your objectives, financial situation and needs. The Statement of Advice will contain the advice, the basis on which it is given andinformation about fees, commissions and associations which may haveinfluenced the provision of the advice. In the event we make a recommendation to acquire a particular financial product (other than securities) or offer to issue or arrange the issue of a financial product, we must also provide you with a Product Disclosure Statement containing information about the particular product which will enable you to make an informed decision in relation to the acquisition of that product.   The matters covered by the FSG include: who we are how we can be contacted what services we are authorised to provide how we (and any other relevant parties) are remunerated details of any potential conflicts of interest and details of our internal and external dispute resolution procedures and how you can access them.   1. BEFORE YOU GET OUR ADVICE   Who is my adviser?  Your adviser is Scott Lilley who is an Authorised Representative of
Barnett Lilley & Associates Pty Ltd.

Scott is a Certified Financial Planner (CFP). He has a Bachelor of
Commerce in Management Sciences from the University of Canberra, a
Financial Planning Diploma from the Royal Melbourne Institute of
Technology and has worked as a financial planner since 1996.

Who will be responsible for the advice given to me?
Scott Lilley is an authorised representative of Barnett Lilley & Associates
Pty Ltd who is therefore responsible to you for any financial services
your adviser provides.

Barnett Lilley & Associates Pty Ltd is a financial consultancy firm,
licenced to deal in securities by the Australian Securities and Investment
Commission. (AFSL No 237915) The firm is also a principal member of
the Financial Planning Association, an organisation that seeks to set
industry standards for members in relation to education qualifications,
professional conduct and ethics.

Barnett Lilley & Associates Pty Ltd is a member of the industry disputes
resolution scheme – Australian Financial Complaints Authority Limited.

What financial services are available to me?
There has been careful consideration of the type of services that BL&A
will provide, and the most efficient way of providing these services. We
believe that financial services can be categorised as essential and
peripheral.

Essential services are those that we intend to provide directly to our
clients. These services are those that we have specialist skills in, and
are therefore able to add value when personally providing them to our
clients.

These services include:
• superannuation fund/benefit analysis
(particularly government schemes);
• remuneration strategies;
• taxation strategies;
• investment strategies; and
• assessing strategic opportunities that may arise.

We only recommend an investment to you after considering its suitability
for your individual investment objectives, financial situation and needs.
Full financial plans are not undertaken and advice is limited to the
services as listed above.

Peripheral services are those that we believe can be done more
effectively if they are outsourced to other specialists. Just as we have
expertise in the specific areas outlined above, it makes sense to use the
specialist skills of others in matters that we do not specialise in. These
peripheral services include accounting, legal and estate matters,
insurance, and stockbroking.

Clients who have placed investments with BL&A will receive a regular
newsletter which will cover issues of relevance. In addition to the
newsletter, seminars will be conducted for clients from time to time when
issues of importance arise.

What is the Financial Planning Process?
Our aim is to ensure that you receive quality advice tailored to your
specific requirements. The following financial planning process is in
place to ensure that you receive the benefit of proper disclosure, that
your adviser is able to ascertain critical and timely information about your
actual circumstances and can provide you with appropriate advice that
is designed to meet your best interests.   Step one.  You have been provided with this FSG.

Step two.  You may be asked to complete our “Fact Find” prior to the appointment.
This provides us with information about your relevant personal
circumstances (i.e. information about your goals, objectives, financial
situation and needs), so your adviser can provide you with appropriate
advice. The information collected will form the basis for any advice
provided by your adviser. Step three.  You will meet with your adviser and a solution will be tailored to your
relevant personal circumstances. Step four.  A Statement of Advice (SoA) will be prepared by your adviser and
provided to you. The SoA sets out the adviser’s recommendations and
the basis for those recommendations. If the SoA makes
recommendations concerning investments, the SoA will contain details
of the costs associated with these investments. Step five.  Where an SoA makes recommendations concerning the investment of
funds, subject to your agreement and instructions, the recommendations
will be implemented. Step six.  Where an investment is made, it will be reviewed and revised at regular
intervals as agreed by you, or when circumstances change.

How are fees calculated and paid?
BL&A operate on a fee for service basis, charging an hourly rate of $325
for work performed. This is inclusive of GST.

This rate will apply to all work performed by Scott. Under Corporations
law, Barnett Lilley & Associates Pty Ltd are legally obliged to provide all
recommendations in writing. The time spent in preparing these
recommendations will also be charged at the rate of $325 per hour. We
are able to provide an estimate of the time required for given types of
work.

Where our advice extends to making investment recommendations, the
client will be offered the option of paying an ongoing adviser fee to cover
all ongoing monitoring, reviews, and dealings with the investment.
Alternatively, the client may opt to continue paying for our ongoing
involvement on our hourly fee basis. Additional detail regarding these
two options and the costs involved would be provided before the client
invests funds.

Barnett Lilley & Associates Pty Ltd has adopted the Investment &
Financial Services Association (IFSA)/Financial Planning Association
(FPA) Industry Code of Conduct on Alternative Remuneration in the
Wealth Management Industry. As an FPA member, an ‘Alternative Form
of Remuneration Register’ is available which outlines the alternative
forms of remuneration which are paid and received from givers and
receivers. Registers are maintained by Fund Managers, IDSP (platform)
providers, Representatives and Licensees. Our registers are available
for inspection on request and on our website.

Do you have Professional Indemnity Insurance?
Barnett Lilley & Associates Pty Ltd has professional indemnity Insurance
cover of $2,500,000 for any one claim and $5,000,000 in the aggregate,
with the availability of one reinstatement, to cover business risks for
giving advice.

2. WHEN YOU GET OUR ADVICEDo I get detailed information about the costs associated with investing?
Yes. You have the right to know about details of all associated costs
when investments are recommended.

We will provide you with a Statement of Advice containing details of our
fees and payments when we make specific recommendations.

Will you give me advice which is suitable to my investment needs andfinancial situation?
Yes. But 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 divulge this information to us, if you do not wish
to do so. In that case, we are required to warn you about the possible
consequences of us not having your full personal information. You
should read the warnings carefully.

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
investment objectives, financial situation and needs. We also maintain
records of any recommendations made to you. If you wish to examine
your file, ask us and we will make the arrangements.

Can I tell you how I wish to instruct you to buy or sell my investment?
Yes. You may specify how you would like to give us instructions - for
example by telephone, fax or other means.

3. IF YOU HAVE ANY COMPLAINTS Who can I complain to if I have a complaint about the financial service?
If you have any complaint about the service provided to you, you should
take the following steps:

Complete a ‘Complaint Form’ which is available on our web site and
send it to Barnett Lilley & Associates Pty Ltd together with any relevant
documents to PO Box 343, Hall ACT 2618 or email
‘clients@blapl.com.au’. We will attempt to resolve the complaint as
soon as possible and in line with our Dispute Resolution process. See
further details of this process on our Web Site www.blapl.com.au. –
Complaint Resolution Guide for Clients.

If you are not satisfied with the outcome you can contact the Australian
Financial Complaints Authority (AFCA) on their toll free number 1800
931 678. Alternatively, you may prefer to write to the Australian
Financial Complaints Authority:

Australian Financial Complaints Authority Limited
GPO Box 3
Melbourne Vic 3001
Freecall 1800 931 678
Fax 03 9613 6399
Email info@afca.org.au
Website www.afca.org.au

Please Note: The Australian Financial Complaints Authority is a free
service and fully paid for by its members. We are a member of this
scheme.

The Australian Securities and Investment Commission (ASIC) also has
a freecall infoline on 1300 300 630 which you may use to make a
complaint and obtain information about your rights.

The Financial Planning Association of Australia Limited is the
professional body representing most of Australia’s licensed financial
planners and advisers.

Their address is GPO Box 4285, Sydney NSW 2001 and they can be
contacted on 1300 337 301.

Barnett Lilley & Associates Pty Ltd
Financial Consultants
A.F.S.L. No 237915

Dated: 06th November 2018

CLIENT PORTAL

FINANCIAL SERVICES GUIDE