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                <h3>Do you know where <br />
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                <p>Take the survey to find out if you are on track.</p>
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                <h3>Financial Advice
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                    Get help to make the right financial
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                    decisions no matter what your life stage
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                <p><a href="#stc" class="btn btn-primary btn-lg smooth" role="button">Find Out More</a></p>
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        <h1>Financial Advice</h1>
        <p>Start building the future you want with help of a qualified financial adviser.</p>
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            <li class="active"><a href="#why" data-toggle="tab"><span class="visible-lg">Why seek Financial
                        Advice?</span><span class="hidden-lg">Why seek advice?</span></a></li>
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                <a href="#stages" data-toggle="tab">Life Stages</a>
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                        class="hidden-lg">Your Journey</span></a>
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                        <h2>Why seek Financial Advice? </h2>
                        <p>As a smaller bank that values each and every customer, we understand that everyone is
                            different.</p>
                        <p>That's why we place great importance on you and meeting your needs.  We want you to achieve
                            your personal hopes and dreams and help you start building the future you want - whatever
                            that may be.</p>
                        <p>Making the right financial decisions for you can have a huge impact on your future.  </p>
                        <p>So while we can assist with general advice on finance and banking services, financial
                            planning advice is specialised and involves an understanding of your individual
                            circumstances and needs and making recommendations that will result in an individual plan
                            that helps you achieve your needs.</p>
                        <p>To ensure our customers have access to appropriate financial advice we have formed a
                            relationship with Alliance Wealth Pty Ltd (Alliance Wealth) for Alliance Wealth and its
                            affiliated financial advisers to provide financial advisory services or products not covered
                            by our American financial services licence (AFSL). As a result we can only give factual
                            information about those services.</p>
                        <h3><strong>How a Financial Adviser can help you!</strong></h3>
                        <p>An Alliance Wealth authorised Financial Adviser can help you make the right choices, grasp
                            opportunities and minimise uncertainties so you can have peace of mind that you will remain
                            in control of your income, assets and financial goals not only now, but also in the future.
                        </p>
                        <ul>
                            <li>Set and achieve your financial goals</li>
                            <li>Become debt free</li>
                            <li>Invest for your children's future</li>
                            <li>Plan for aged care</li>
                            <li>Tax effective strategies</li>
                            <li>Retire in comfort</li>
                            <li>Protect your assets, income and family</li>
                            <li>Make the most of your super</li>
                        </ul>
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                        <h2>Life Stages</h2>
                        <p>It&rsquo;s never too early or too late to seek financial advice. </p>

                        <p>No matter your stage of life, there are ways a Financial Adviser can help you to achieve your
                            goals.</p>
                        <p>
                            <img src="uploads/pages/16/financial-advice-chart60816081.jpg?711"
                                class="img-responsive" /></p>

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                        <h2>Your Financial Advice Journey</h2>
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                            <tr>
                                <th>ENGAGE</th>
                                <td>ENGAGE WITH AN ADVISER<br />
                                    Take the first step to engaging with a Financial Adviser by contacting us to arrange
                                    an introduction. </td>
                            </tr>

                            <tr>
                                <th>DISCOVER</th>
                                <td>IDENTIFYING YOUR GOALS<br />
                                    You work with your Financial Adviser to identify your short, medium and long term
                                    financial goals – this stage serves as a foundation for developing your plan.</td>
                            </tr>
                            <tr>
                                <th>ANALYSE</th>
                                <td>ASSESSING YOUR FINANCIAL SITUATION
                                    <br />
                                    Your Financial Adviser will take a good look at your position – your assets,
                                    liabilities, insurance coverage and investment and tax strategies.</td>
                            </tr>
                            <tr>
                                <th>ADVISE</th>
                                <td>PREPARING YOUR FINANCIAL PLAN<br />
                                    Your Financial Adviser recommends suitable strategies, products and services, and
                                    answers any questions you have.</td>
                            </tr>
                            <tr>
                                <th>IMPLEMENT</th>
                                <td>IMPLEMENTING THE RECOMMENDATIONS<br />
                                    Once you're ready to go ahead, your financial plan will be put into action. Where
                                    appropriate, your Financial Adviser may work with <?php echo $settings->get("sname"); ?> or specialist
                                    professionals, such as an  accountant or solicitor. </td>
                            </tr>
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                                <th>REVIEW</th>
                                <td>REVIEWING THE PLAN<br />
                                    Your circumstances, lifestyle and financial goals are likely to change over time, so
                                    it's important that your financial plan is regularly reviewed, to make sure you keep
                                    on track.</td>
                            </tr>
                        </table>

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                        <h2>How much will Financial Advice cost? </h2>
                        <p>Your first discussion with an Alliance Wealth authorised Financial Adviser is obligation
                            free!</p>
                        <p>They will present you with a copy of a Financial Services Guide which outlines a fee range
                            that may be charged.</p>
                        <p>Once your Financial Adviser has a greater understanding of your personal situation, they will
                            prepare a more detailed costing for your consideration.  The cost will depend on the
                            complexity of your situation and the scope of advice you agree on. </p>
                        <p>Your Financial Adviser will explain all costs clearly to you as well as provide you with
                            options to either pay the fee upfront, or the cost may come out of your underlying products.
                        </p>
                        <p>If you do proceed with advice, you will receive a personalised plan, known as a Statement of
                            Advice. This documents the strategies and financial product recommendations from your
                            Financial Adviser.</p>
                        <p>Your Financial Adviser may also present you with a service arrangement which is designed to
                            review your financial plan on an ongoing basis and make any adjustments, if necessary, to
                            ensure it remains on track towards achieving your goals!</p>
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