Financial Plan Questionnaire

Your Details

Name*

Prefix First Last

Date of Birth*

Gender*

Male
Female

Relationship Status*

Email*

Mobile Number*

(including country code)

Employment Status*

Residential Status*

Language spoken at home*

Resident Country*

Your Partner's Details

Partner's name*

Prefix First Last

Partner's Gender*

Male
Female

Partners Date of Birth*

Partner's Email*

Partner's Mobile Number*

(including country code)

Partners Employment Status*

Partner's Resident Country*

Residential and Postal Details

Current Home Address*

Street Address Address Line 2 City State / Province / Region Postcode / Zip Country

Have you lived at this address for more than 2 years?*

Yes
No

Previous Home Address*

Street Address Address Line 2 City State / Province / Region Postcode / Zip Country

Is your postal address the same as your current home address?*

Yes
No, my postal address is different

Postal Address*

Street Address Address Line 2 City State / Province / Region Postcode / Zip Country

Goals and Objectives

Please detail any financial and lifestyle goals and objectives you have for you and your family.

Family

Do you have any children?*

Name, DOB, and Gender of Each Child

Please add a row for each child.

First Name	Family Name	DOB	Gender	At what do you expect them to be no longer financially dependent?

Do you care for someone with special needs? Please provide details.

Children Education and Care

Understanding your education and care plans for your children will aid in modeling your budget and insurance needs.

If you have a shared care or maintenance arrangement with any of your children, please provide details.

Nanny - Do you have or intend to get a Nanny?

Nanny - Until what age will you keep the Nanny?

Please enter a number from 0 to 25.

Nanny - How many hours per week will you have the Nanny?

Please enter a number from 0 to 50.

Kindergarton - If you intend to send your children or pre-school, at what ages will you?

Childcare - If you intend to send your children to childcare, at what age will you send them?

Childcare - How many days a week will they attend childcare?

Primary School - What type of primary school will you send them to?

Secondary School - What type of secondary school will you send them to?

University - Do you intend to pay for their university/tertiary education?

University Accomodation - What accommodation arrangements do you anticipate for you child/children during university/tertiary education?

Monthly Living Expenses

Please provide your monthly living expenses.

Monthly Basic Housing & Property Expenses?

Monthly Communication and Media Expenses?

Monthly Food and Groceries Expenses?

Monthly Recreation and Entertainment Expenses?

Monthly Clothing and Personal Care Expenses?

Monthly Medical and Health Expenses?

Monthly Transport Expenses?

Monthly Education and Childcare Expenses?

Monthly Insurance Expenses?

What is your annual rental amount?

Do you have any major expenses other than education, debt or general living expense?

Examples may include luxury activities and child support from previous relationships.

Yes
No

What would the annual costs be?

Risk Profile

A risk profile will aid us in establishing our understanding of your attitude to risk within your super and non-super investments.

How long do you expect to invest the majority of your funds for?*

Less than 3 years (1)
3-5 years (2)
5-7 years (3)
More than 7 years (4)

How would you describe yourself when it comes to investing?*

I’m very conservative and am not willing to take on any level of risk. (1)
I’m fairly conservative but am willing to take on a low level of risk. (2)
I’m willing to take on a moderate level of risk if it means better long term results. (3)
I’m willing to take a higher level of risk than most in order to improve long term returns. (4)

If a long term investment that you held started to drop significantly in value over a short period of time, you would be most likely to:*

Sell the whole investment – I wouldn’t want to lose any more money. (1)
Sell part of the remaining investment – it could go back up, but I don’t want to risk everything just in case. (2)
Hold onto the investment – it’s likely it will increase in value again soon. (3)
Hold the remaining investment and buy more while the value is low – when the value goes up I’ll make a good return. (4)

Which of the following best describes what you would like to achieve through your investments?*

I want a regular source of income – I’m not worried if the investment doesn’t increase in value over time. (1)
Generating an income would be my priority, but I would also like to see some increase in the value of my investment over time. (2)
I want the investment to grow in value overall, I would like some income from it, but this is less important to me than investment growth. (3)
I want solid growth of the investment – I’m not interested in getting an income from the investment. (4)

Which of the following best describes how you view investment in overseas shares?*

I wouldn't invest in overseas shares, as I consider it too risky. (1)
I don’t know much about it – but I may consider investing in overseas shares if I had more information. (2)
Overseas shares are a good way to diversity risk, however, I would only invest some (not all) of my funds into overseas shares. (3)
I consider them a vital part of a long term portfolio, and would be willing to invest a significant amount of my money in overseas shares. (4)

In terms of investments, which of the following is most important to you to achieve?*

Ensure I have enough funds to feel secure in my financial future. (1)
Accumulating enough funds to meet specific objectives. (2)
Lower returns over a longer period of time at a lower level of risk. (3)
Higher returns over a short period of time at a higher level of risk. (4)

Some investments can fluctuate, sometimes quite significantly, over very short periods of time. How would you feel if the value of your investment varied significantly say up or down by one third (33%) or more, over a year or less?*

I would feel very uncomfortable about these fluctuations and would monitor my investments on a daily basis. (1)
I would feel quite uncomfortable about these fluctuations and would monitor my investments once a week. (2)
I would feel a little uncomfortable but wouldn’t spend too much time worrying about it. (3)
I wouldn’t be concerned by short term fluctuations at all. (4)

How important is it to you that your investments keep pace with inflation?*

Not important – I would rather protect the capital. (1)
A little important – but I’m not prepared to take unnecessary risks. (2)
Fairly important – I know that I’ll need to take some risk to ensure my returns beat inflation. (3)
Very important – the priority is for these funds to grow significantly above inflation. (4)

What level of return do you expect your investment to achieve?*

A steady return without losing any of my capital value. (1)
1-2% above inflation. (2)
3-4% above inflation. (3)
5% or more above inflation. (4)

What would you say your risk profile is?*

Conservative
Moderately Conservative
Balanced
Moderate Growth
High Growth

Investment Experience

How experienced are you investing in the following products and asset classes?

Direct Shares

Direct Property

Direct Fixed Income (Bonds)

Cash

Foreign Currency

Managed Funds

Alternative Assets (e.g. Hedge Funds)

Structured Products

Options & Warrants

Margin Loans

Retirement

Knowing your retirement plans will aid us in modeling your financial needs.

What age would you like to retire?*

Do you intend to work part time in retirement?*

What age would your Partner like to retire?*

Does your Partner intend to work part time in retirement?*

What lifestyle would you like in retirement?

Estate Planning

Do you have a Will?*

Yes
No

Has your will been updated in the last 3 years?*

Yes
No

Has anything major changed in your life in the last 3 years?

Yes
No

If you have concerns about your current will please provide details.

Who drafted your will (lawyer/solicitor)?

Lawyer/Solicitor contact details (phone and/or email)

Holding Structures

Please provide a summary of your holding structures so that we can understand your current asset and tax planning structures.

Do you have Companies, Partnerships, or Trusts that hold investments?

Yes
No

Provide details of Trusts and Companies

Please add a row for each Trust (and its Trustee) or Company that you use to invest or hold assets in.

Trust/Company Name	Trustee Name (If applicable to a Trust)	Directors	Purpose and Assets it Holds.

Provide other commentary as you feel is needed.

Debts

Please provide details of your debts.

Do you have any Home, Investment or Business loans?

Yes
No

Please provide details on Home or Investment loan(s)

Current Balance ($)	Interest Rate (%)	Total Approved Limit ($)	Monthly Repayments ($)	Bank

Do you have car loans?

Yes
No

Please provide details on your car loan(s)

Current balance ($)	Interest rate (%)	Balloon payment amount ($)	Date ballon due	Bank

Do you have any other debt?

Yes
No

Please provide details on any other debts, including ATO debts

Creditor/Lender	Current balance ($)	Monthly Payments($)	Interest Only or Interest and Principle

Do you have any actual or potential creditors you are concerned about?

Would you like to refinance?

Yes
No

What features would you like?

Better rate
Debt consolidation
Need extra funds
Restructure loan
Renovation
Other

Please provide the other feature(s) that you'd like

Would you like to apply for a loan?

Yes
No

How much?*

What are the reasons?*

Purchase
New Investment Loan
Construction Loan
Business Loan
Would like to know maximum I can borrow
Other

Please provide your other reason(s) for applying for a loan*

What interest rate type would you prefer?*

Variable
Fixed
Fixed and Variable
No preference

What repayment type would you prefer?*

Principle and interest
Interest only
Interest in advance
No preference

What other features would you like*

Pay off quickly
Split account
Re-draw ability
Offset
Line of credit
Flexibility
Portability

Please provide the details on your nearest living relative*

First Last

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Phone*

Email*

Super Details

Do you have a Self Managed Super Fund (SMSF)?*

Yes
No

What is the name of your SMSF?*

Who are the members in the SMSF and their member balance?*

Member Name	Member Balance

Do you have multiple superannuation funds?

What retail super fund do you currently use?*

What is the name of your super fund?*

What is the approximate balance of your super fund?*

Does your partner have multiple superannuation funds?

What retail super fund does your partner currently use?*

What is the name of your partners fund?

What is the approximate balance of your partner's super fund?

Assets

What is value of your Cash at Bank?*

Do you (and your partner if applicable) own any real estate?*

Including real estate that may be mortgaged or owned outright in your own names or through your holding structures.

Yes
No

Please provide details of any real estate you, your partner or any companies and trusts you control own*

Real Estate Address	Owner	Weekly Rental (if Applicable)	Estimated Value

What is value of your (and your partners if applicable) home contents value?*

Do you have a car(s)?*

Yes
No

Please provide details for each car that you own:

Rego Number	Odometer (Approx)	Manufacture Date (Approx)	Make and Model	Owner	Estimated value

Do you have listed shares and managed funds?*

Yes
No

Please provide details:

Asset Code/Name	Owner	Total Value

Do you have any other major assets?

Yes
No

Please provide details:

Asset Name	Owner	Total Value

Income Estimate

Understanding your income enables us to provide advice on budgeting, wealth creation, debt and insurance.

What is your annual fixed salary (gross pre-tax)?*

What is your annual bonus income (gross pre-tax)?

What is your annual regular overtime income?

What is your annual rental income?

What is your annual dividends/investment income (grossed up for franking credits)?

What is your annual trust distribution/other income?

What is your annual government assistance income?

Do you expect this to change in the future?

Yes
No

Please comment on any changes you are expecting

What is your employer's name?*

Have you been there for more than 2 years?

Yes
No

Please provide your previous employer's name

Partner's Income Estimate

Do you know your partner's income details?

Yes
No, please email and contact my partner to verify

What is your annual partner's base income?*

(if none, enter 0)

What is your partner's annual bonus income?

(if none, enter 0)

What is your partner's annual regular overtime income?

(if none, enter 0)

What is your partner's annual rental income?

(if none, enter 0)

What is your partner's annual Dividend/Investment Income, or Trust/Other Income?

(if none, enter 0)

Do you expect this to change in the future?

Yes
No

What do you expect to change?

What is the name of your partner's employer?*

Has your partner been there for more than 2 years?

Yes
No

Please provide your partner's previous employer's name

Self Employed

Business name

ABN

Type of business

Accountant's name

Accountant's phone number

What is your shareholding of the business?

(Please enter a percentage.)

In the last financial year, what was the Net Profit Before Tax for your self employed entity?

(optional)

Life, Permanent Disability or Trauma Insurances

Do you have Life, Permanent Disability or Trauma Insurance?

Yes, please refer to the below details.
Unsure
No.

Please provide details of your Life, TPD & Trauma Insurances below. Alternatively, you can attach your latest statement.

Who is the Life and Permanent Disability Insurance provider?

Please provide the Life Insurance Coverage Amount.

Please provide the Total Permanent Disability Insurance Coverage Amount.

Is it held in your super?

Yes
No
Don't know

Please provide the Trauma Insurance Coverage Amount.

If you passed away how many days domestic support would your partner need (i.e. gardening, caring for children)?

Does your partner have Life, Permanent Disability or Trauma Insurance?

Yes, please refer to the below details.
Unsure
No.

Please provide details of your partner's Life, TPD & Trauma Insurances below. Alternatively, you can attach your latest statement.

Who is your partner's Life and Permanent Disability Insurance provider?

Please provide your partner's Life Insurance Coverage Amount.

Please provide your partner's Total Permanent Disability Coverage Amount.

Is it held in in their super?

Yes
No
Don't know

Please provide your partner's Trauma Insurance Coverage Amount.

If your partner passed away how many days domestic support would you need (i.e. gardening, caring for children)?

Income Protection Insurance

Do you have Income Protection Insurance?

Yes, please refer to the below details.
Unsure
No.

Please provide details of your Income Protection Insurances below. Alternatively, you can attach your latest statement.

Who is your income insurance provider?

Please provide the Income Insurance Coverage Amount.

Is it held in your super?

Yes
No
Don't know

Does your partner have Income Protection Insurance?

Yes, please refer to the below details.
Unsure
No.

Please provide details of your Income Protection Insurances below. Alternatively, you can attach your latest statement.

Who is your partner's income insurance provider?

Please provide your partner's Income Insurance Coverage Amount.

Is it held within their super?

Yes
No
Don't know

Health Insurance

Do you have private health insurance?

Yes, please refer to the below details
No

Please provide details of your private health insurance below. Alternatively, you can attach your latest statement.

Who is your health insurance with?

What health coverage do you have?

Basic
Full Coverage
+ Hospital
+ Medical Services & General
+ Pharmaceutical Benefits
+ Ambulance

What is your health insurance monthly premium?

Have you smoked in the last 12 months?

Yes
No

Has your partner smoked in the last 12 months?

Yes
No

How would you describe your health

Excellent
Good
Average
Poor

How would you describe your partner's health

Excellent
Good
Average
Poor

Do you take medication?

Yes
No

Please provide details on your medication:

Does your partner take medication?

Yes
No

Please provide details on your partner's medication:

Have you and your partner (if applicable) held continuous private health insurance since your 31st birthday?

Yes
No, I have not held since my 31st birthday
No, I have never held private health insurance

Home and General Insurances

Do you have home and general insurance?

Yes
No

Administration

Do you use a bookkeeper?

Yes
No

What are your bookkeeping costs annually?

Less than $1,000
$1,000 - $5,000
$5,000 - $10,000
$10,000 +

Who does your bookkeeping (individual and/or company)?

Bookkeeper contact details (phone and/or email)

Do you use an accountant?

Yes
No

What are your accounting costs annually?

Less than $1,000
$1,000 - $5,000
$5,000 - $10,000
$10,000 +

Who does your accounting (individual and/or company)?

Accountant contact details (phone and/or email)

Do you use a tax advisor?

Yes
No

What are your tax advice costs annually?

Less than $1,000
$1,000 - $5,000
$5,000 - $10,000
$10,000 +

Who does your tax advice (individual and/or company)?

Tax Advisor contact details (phone and/or email)

Do you use a SMSF advisor/administrator?

Yes
No

What are your SMSF running costs annually?

Less than $1,000
$1,000 - $5,000
$5,000 - $10,000
$10,000 +

Who does your SMSF administration (individual and/or company)?

SMSF Administrator contact details (phone and/or email)

Other Comments

What would you like to discuss that is important to you? What would you like to cover at our first meeting?

Supporting Documents Request List

If you do not authorise Cashel House to collect the supporting documents please provide the requested documents below.

Cashel Supporting Document Collection Instructions

Please attach a copy of your latest Will

This may be provided by your lawyer who prepared our Will.

Drop files here or

Max. file size: 2 MB.

Please attach latest Trust Deeds, Constitutions and Corporate Key's for all Trusts, Trustee Companies and Companies you use to hold investments and assets.

This is normally obtained from your company secretary or Accountant.

Drop files here or

Max. file size: 2 MB.

Please attach latest copies of your car and other debt statements.

This can be obtained from the lender.

Drop files here or

Max. file size: 2 MB.

For new loans to purchase property - please attach Contract of Sale.

This can be obtained from your Real Estate agent.

Drop files here or

Max. file size: 2 MB.

For new investment loans - please attach Statement of Advice to show how funds will be used.

This will be provided by your Cashel Adviser.

Drop files here or

Max. file size: 2 MB.

For construction loans - please attach (a) building contract, (b) planning permits, and (c) quantity surveyor report.

This can normally be obtained from the projects' project manager.

Drop files here or

Max. file size: 2 MB.

For business loans - please attach (a) last 2 years financial statements (b) next 3 years forecasts, and (c) ATO Activity Portal.

Normally this can be obtained from the businesses Accountant or Tax Adviser.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your latest Investment Statements

This is normally obtained from your existing investment advisor or your online investment portal.

Drop files here or

Max. file size: 2 MB.

Please attach the (a) Trust deed, (b) Investment Strategy and (c) Latest Audited Financial Statements, and (d) tax Notice of Assessment for your Self Managed Super Fund

This can be obtained from your SMSF Auditor.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your latest Super Statement

This can be obtained from your superannuation fund online, or is normally posted to you in August each year.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your partner's latest Super Statement

This can be obtained from your superannuation fund online, or is normally posted to you in August each year.

Drop files here or

Max. file size: 2 MB.

Please attach your last 3 pay slips

This can be obtained from your employer or staff portal.

Drop files here or

Max. file size: 2 MB.

Please attach your last 2 personal Notice of Assessment tax lodgements

These can be obtained from the MyGov website.

Drop files here or

Max. file size: 2 MB.

Please attach your partner's last 3 pay slips

This is normally obtained from your employer or staff portal.

Drop files here or

Max. file size: 2 MB.

Please attach your partner's last 2 personal Notice of Assessments tax lodgements.

These can be obtained from the MyGov website, your Accountant or Tax Adviser.

Drop files here or

Max. file size: 2 MB.

Please attach statement showing rental income for past 3 months for all rental properties OR current lease agreements

Drop files here or

Max. file size: 2 MB.

Please attach the last 2 years of Financial Statements for the trusts and companies that you receive income from.

These can be obtained from your Accountant or Tax Advisor.

Drop files here or

Max. file size: 2 MB.

Please attach the last 2 years Notice of Assessments for the trusts and Companies that you receive income from.

These can be obtained from the MyGov website, your Accountant or Tax Adviser.

Drop files here or

Max. file size: 2 MB.

Please attach the latest 2 Notice of Assessment tax returns and financial statements for the companies/trusts you are self-employed through

These can be obtained from the MyGov website, your Accountant or Tax Adviser.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your loan statements for the past 6 months for all loans within the business.

These can be obtained through Cashel's Bank Statement retrieval tool or from your bank directly.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your latest Life, TPD, Income Protection and Trauma insurance statements.

These may be contained in your Superannuation statement or should be obtained from your insurance advisor.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your partner's latest Life, TPD, Income Protection and Trauma insurance statements.

These may be included within you Superannuation statement or available from your insurance advisor.

Drop files here or

Max. file size: 2 MB.

Please attach a copy of your latest health insurance statements.

This can be obtained from you health insurer, or is normally provided by your insurer via mail in August.

Drop files here or

Max. file size: 2 MB.

Submit Form

I authorize Cashel to contact my partner to complete a separate Risk Profile, and provide any missing material including Partner Income Estimates and attachments.

I agree and accept the Privacy Policy and Acknowledge the Cashel Financial Services Guide and Cashel Credit Guide and Privacy Statement.

I confirm the answers provided above are true and correct.

Financial Planning Fact Find

Your Details

Your Partner's Details

Residential and Postal Details

Goals and Objectives

Family

Children Education and Care

Monthly Living Expenses

Risk Profile

Investment Experience

Retirement

Estate Planning

Holding Structures

Debts

Super Details

Assets

Income Estimate

Partner's Income Estimate

Self Employed

Life, Permanent Disability or Trauma Insurances

Income Protection Insurance

Health Insurance

Home and General Insurances

Administration

Other Comments

Supporting Documents Request List

Submit Form

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