Your current financial objectives Please rate how important the following

Your current financial objectives Please rate how important the following objectives are to you, or whether you would like to discuss them further with your Adviser by placing a tick in the relevant box. Objective Generate more income Invest for capital growth/ wealth creation Invest to minimise the impact of taxation Invest to minimise the impact of inflation Retirement planning Maximise social security Establish a regular savings plan Flexibility Security of capital Protect family and/or assets in the event of death Protect income earnings against sickness and trauma Ease of portfolio management Investing borrowed funds (gearing) Other: ________________________________________ Not Very Discuss with important Important important Adviser Answer the following questions by placing a tick in the relevant box. When will you need to start accessing your investments? Less than one year 3 to less than 5 years 1 to less than 3 years 5 years plus How would you best describe your attitude toward investing? I prefer lower capital growth in order to avoid volatile returns. I aim to achieve steady capital growth and will accept some volatiliy of returns I am prepared to take on higher volatility for the opportunity of greater returns I am interested in aggressive growth strategies and understand the possibility of negative returns How concerned are you that the earnings on your savings and investments should exceed the rate of inflation? Not concerned Moderately concerned Extremely concerned How familiar are you with investment markets? No experience at all Not very familiar I understand that the markets fluctuate and different market sectors have different income, growth and taxation characteristics Experienced with all investment sectors and understand the various factors which may influence performance. Slightly concerned Highly concerned ClearView Financial Management Limited ABN 99 067 544 549 AFS Licence No. 227677 GPO Box 3382 - Reply Paid Sydney NSW 2001 CLV 0003 09/05 Don’t just make do. Talk to ClearView. Call 132 976. We encourage you to complete this booklet and bring it with you to your first meeting with your ClearView Financial Adviser Budget Planner Don’t just make do. Talk to ClearView. Call 132 976. How to use this planner: This planner is a useful tool in determining your ability to achieve your financial goals. You will probably need to refer back to accounts, receipts and your latest income tax return, so that you will end up with an accurate result. A Income (after tax) Salary and wage Superannuation pension Government pension(s) Annuity Dividends and interest Rental income Overseas pensions Other income Total income weekly monthly quarterly yearly E Entertainment and leisure Holidays/travel Cinema/concerts etc. Hobbies Memberships/subscriptions Magazines and newspapers Books/music/video hire Other entertainment Boat insurance weekly monthly quarterly yearly Step 3 Add up all of the amounts in the Yearly column to give you a total for each category, A to G, ie. Income, Housing, Transport, Food and so on. Step 4 Transfer the total for categories A to G to the Annual Financial Situation section. A Boat registration Boat licence Boat fuel and maintenance Boat trailer Caravan insurance Caravan registration Caravan fuel and maintenance Other Total entertainment and leisure E B Housing Council rates Water rates Strata levy Gas Electricity Telephone (home/mobile) Home insurance Contents insurance Personal effects insurance Rent/mortgage Repairs/maintenance Replacement appliances Replacement furniture/furnishings Gardening Pool maintenance Other Total housing weekly monthly quarterly yearly Step 1 Your current income and expenses may be weekly, monthly, quarterly or yearly. Enter the amount in the column that corresponds to the frequency of the expense, for example: Step 5 Subtotal your Total Expenses by adding B to G. Calculate 5% of this amount to allow for unexpected expenses and transfer this amount to H. Add B to H to give your Total Annual Expenses and write the total in I. F Personal Education Accountant/legal fees Life insurance Medical insurance Doctor/medical/dentist/eyecare Chemist Personal loans/outstanding debts Clothing/shoes B weekly monthly quarterly yearly Laundry/dry cleaning Hairdresser/beauty/make up Cigarettes Other Total personal weekly monthly quarterly yearly · if you pay water rates quarterly, then enter the amount in the Quarterly column. Step 6 Calculate the difference between Total Annual Income A and Total Annual Expenses I to give your annual financial position. · if you pay your mortgage monthly, enter the amount in the Monthly column. Step 2 Multiply each weekly amount by 52, each monthly amount by 12 and each quarterly amount by 4 to give a yearly total. Transfer this amount to the Yearly column. C Transport Car repayments Car insurance Car registration Compulsory third party Road service Driver’s licence Petrol Car maintenance and repairs Public transport Taxis Other Other Total transport D Food Groceries Fruit and vegetables Meat/fish/poultry Restaurants/take away Alcohol Other Other Total food D weekly monthly quarterly C Step 7 Please complete as much as you can and bring this with you to your meeting with your ClearView Financial Adviser. yearly F G General Donations/Gifts Internet Computer costs Veterinary Pet supplies Cable TV Other Total general weekly monthly quarterly G Think about how you would like to spend your time in retirement so you and your Adviser can see which of these costs will change once you retire. Don’t worry if your annual expenses are more than your annual income. You can discuss this further with your Adviser. Annual Financial Situation yearly TOTAL ANNUAL INCOME Housing Transport Food Entertainment and leisure Personal General Unexpected expenses (5% of B to G) TOTAL ANNUAL EXPENSES (Total of B to H) Total income less expenses (A minus I) A B C D E F G H I yearly