1. Graduate Financial Guidance Program (Building Wealth through Planning) What is Financial Planning Who we are Australians’ Debt Problem The Financial Journey Role of a Financial Adviser The Program The Process Case Study Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au

2. Graduate Financial Guidance Program (Building Wealth through Planning) Disclaimer : The information contained in this presentation is by way of general information only and has been prepared without taking into account any person’s individual objectives, financial situation or needs. Before making any decision to act on recommendations in this presentation, a person should consider the appropriateness of the information to their individual objectives, financial situation and needs and if necessary seek advice from a suitably qualified professional. Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au

3. Graduate Financial Guidance Program (Building Wealth through Planning – What is Financial Planning ) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Source : CPA Australia “Financial planning is a holistic approach to planning for your financial future. It is about setting short and long-term goals and developing strategies to achieve those goals” Source : CPA Australia

4. Graduate Financial Guidance Program (Building Wealth through Planning – Financial Planning Wheel ) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Source : CPA Australia

5. Graduate Financial Guidance Program (Building Wealth through Planning – Who we are ) Financial Advisers CPA – Business Consulting Lending Consultants PIS – largest Advisers Network Work closely with Accountants Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au

6. Graduate Financial Guidance Program (Building Wealth through Planning) Australians’ Debt Problem Strong economy for the past 10 years Unemployment dropped to 5.3% Low interest rate/inflation rate Rising household income; but Australians savings ratio dropped from 10% in 70s to -2.3% in 2005 RBA – Australians doubled their debts in the past 5 years (National Centre for Social and Economic Modelling) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au

7. Graduate Financial Guidance Program (Building Wealth through Planning) Australians’ Debt Problem Where has the money gone ? No Budget / No Cash flow Planning Spending instead of Investing Creating Liabilities instead of Assets The Power of Compound Interest Lack of awareness of Financial Planning and Financial Literacy Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au

8. Graduate Financial Guidance Program (Building Wealth through Planning) Financial Journey Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Financial Disaster Good Saver Well-Planned Winner Positive Net worth Negative Net Worth ? Enough for Retirement ?

9. Graduate Financial Guidance Program (Building Wealth through Planning) Financial Journey Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second property Prepare for Retirement Downsizing Children grown up Lifestyle Investment

10. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Super Savings Investment Advice Set Goals Wealth Protection Gearing Advice Home Loan Service Managed Investment Business Advice Tax Effective Investment Salary Sacrifice Managed Investment Investment Loan Service Estate Planning Retirement Income Role of a Financial Adviser

11. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment The Goal is to help you to achieve this :

12. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment There is no trick, no magic you only need to: 1. start early 2. be discipline 3. Regular investment plan / superannuation strategy 4. Appropriate advice from your trusted Financial Adviser

13. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment Why Super is one of the best Investment vehicles : 1. 9% compulsory contribution - employer 2. Salary Sacrifice to lower personal marginal tax 3. Super earnings are taxed at maximum 15% 4. Allow personal contribution – un-deducted 5. Pension phase earnings tax free 6. Super/Pension Pay-out – tax free (subject to legislation 2007)

14. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment We are your Trusted Financial Advisers : 1. PIS/AMM has the largest Financial Advisers Network 2. Full Services suite : Investment, Risk, Super, Lending, consulting 3. Long term relationship – gain your trust 4. Remuneration based on your future success

15. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment The Program 1. Registration through AMM website 2. General advice through e-mail 3. News update on market, policy changes 4. Seminar on financial planning-related topics 5. Set up your regular investment plan/superannuation 6. Minimum initial set up fee

16. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Age $ Wealth 6020403050 Well-Planned Winner Changing jobs High salary increase Holidays Entertainment Savings Career upward Marriage Children Dream Home Building Wealth Children Education Home Renovation Second Property Prepare for Retirement Downsizing Children grown up Lifestyle Investment How to Proceed : 1. On-line registration through AMM website 2. Keep us informed your work status 3. Normally $1,000 initial investments 4. Regular Investments / Super Contributions

17. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Case Study – Super Power New Graduate Starting Salary : $35,000 Salary Adjustments : 10%, 9% and 3.5% p.a. (during the work life) Salary Sacrifice : 10% to 25% in 40 years at various stages Inflation : 2.5% Investment returns in Super : 7.5% p.a. (after tax) Contribution Tax : 15%

18. Graduate Financial Guidance Program (Building Wealth through Planning) Professional Investment Services Pty Ltd. A.B.N. 11 074 608 558 Australian Financial Services Licence No. 234951 Ivan Lee Authorised Representative Australian Money Masters www.money-masters.com.au Case Study – Super Power Salary Salary at today's $ Super Contribution Salary Sacrifice % Salary SacrificeEarnings Super Closing Today's Dollar Yr 1$35,000$34,146$2,67810%$2,975$212$5,864$5,721 Yr 2$38,500$36,645$2,94510%$3,273$673$12,755$12,141 Yr 3$42,350$39,326$3,24010%$3,600$1,213$20,808$19,322 Yr 4$46,585$42,204$3,56410%$3,960$1,843$30,174$27,336 Yr 5$51,244$45,292$3,92010%$4,356$2,573$41,023$36,259 Yr 36$338,776$139,269$25,91625%$71,990$222,371$3,236,264$1,330,408 Yr 37$350,633$140,627$26,82325%$74,510$246,520$3,584,116$1,437,471 Yr 38$362,905$141,999$27,76225%$77,117$272,742$3,961,738$1,550,168 Yr 39$375,607$143,385$28,73425%$79,817$301,201$4,371,489$1,668,778 Yr 40$388,753$144,784$29,74025%$82,610$332,075$4,815,914$1,793,594