Wealth Today Snapshot

Wealth Today is a National Financial Planning Company, which holds an Australian Financial Service Licence (AFSL) No. 340289. T he Today group of companies was recognised by BRW in its 2008 and 2009 Top 100 Fast Start lists. In 2010 Wealth Today ranked 22 nd in the BRW Fast 100 list across all sectors, the fasted growing Financial Services company in the country. ABOUT WEALTH TODAY Part of the TODAY Group of Companies © Copyright Wealth Today Pty Ltd

© Copyright Wealth Today Pty Ltd Australian Financial Services Licensee, Licence No 340289 Level 1, Unit 3, 228 Main Street, Osborne Park, WA 6017 PH +618 9207 1433 | ABN62 1333 93 263 Time to go To the next level !!

© Copyright Wealth Today Pty Ltd A SAVING NATION? Australian households’ saving records are among the worst in the developed world. “ The Investment and Financial Services Association’’. Recent research puts the average household saving rate in Australia less than 3% of disposable household income, well behind the 16% rate achieved in Italy, 13.8% in Korea and 12% in France.

Nearly half of working Australians do not have enough savings to last them more than one month if they lose their job or have a crisis. They would be forced to depend on credit cards to cover their expenses. A SAVING NATION?

Getting your clients a mortgage is only half the job!

Getting them out of debt , under the cover of appropriate protection whilst building wealth for the future , is the complete picture.

We are in the midst of one of the most significant changes to the financial market place in many years. CONSIDER THIS The financial market place The mortgage broking industry is being significantly restructured by The GFC, Government regulation and bank aggression. © Copyright Wealth Today Pty Ltd

But what has been happening to our clients?

STATE OF THE NATION Community Financial Crisis © Copyright Wealth Today Pty Ltd The untold story of the GFC

THE IMPACT! Consequently for many, money and finances become an area of huge stress to peace of mind and relationships... They can’t get finances out of their head.... At home, they worry about finances At work, they think about bills Driving the car, they calculate their bank account Eating dinner, they plan how to earn more In bed they can’t sleep for all the thinking!

STATE OF THE NATION ABS data shows that people are not paying off their mortgages! © Copyright Wealth Today Pty Ltd

“ This recent increase in the proportion of mortgaged homes (has) been influenced by greater home loan flexibility, that has (allowed people to redraw existing home equity) for renovations, (and other purposes). Where households do this, the length of many of these loans will be extended resulting in more households with mortgages…” ABS STATE OF THE NATION ABS data shows that people are not paying off their mortgages! © Copyright Wealth Today Pty Ltd

STATE OF THE NATION And they are getting further into debt! © Copyright Wealth Today Pty Ltd Source: Reserve Bank of Australia and Treasury as reported in Australian Government Treasury – Economic Roundup 4, 2008 Household Debt-to-Income Ratio

Banks value the debt (mortgage) as an asset to them; Credit card companies don't want you to clear the debt; and As Mortgage Brokers we love our clients but if they didn't have a debt we wouldn't have a business. STATE OF THE NATION Their debt is consuming more of their income © Copyright Wealth Today Pty Ltd Is anyone truly interested in seeing people get out of debt?

© Copyright Wealth Today Pty Ltd THE REVOLUTION THAT WE CAN BE PART OF! Many of us may have missed a trend that is now sweeping the western world….for many the GFC has created vast discontent with the status quo….

© Copyright Wealth Today Pty Ltd WHY NOW? For many the new trend is reducing debt and freeing yourself from the slavery of a never ending mortgage or the Harvey Norman credit on STUFF destined for the bulk collection..

© Copyright Wealth Today Pty Ltd WHY NOW? “ It is the recognition that our love affair with material things is a slow moving train wreck with dire consequences for the community, environment and financial peace of mind ”… News Limited 16 th January 2011

CURRENT DILEMMA There is a dramatic shortage of Planners in Australia This shortage of planners has enabled the majority of planners the luxury of focusing predominately on their high net worth clients An increasing average age in the profession means that this shortage is set to continue. Existing financial planning models largely focus on high net worth clients and selling off the bottom section of their businesses © Copyright Wealth Today Pty Ltd

A GAP IN THE MARKET ✕ Wealthy Client Mortgage Broker Cannot give advice Wealthy Client Financial Adviser Can give advice, but only wants to work with wealthy clients © Copyright Wealth Today Pty Ltd Everyday Australians Mums and Dads Not rich Have debt over family home. ? Who helps them get out of debt and onto the road to Financial Security?

There exists a significant area of unmet needs which presents one of the biggest opportunities in the Financial Services industry. As mentioned most planners are looking after either a segment of their clients’ needs or focusing just on their high net worth clients. AREA OF GREATEST NEED Massive opportunity for us to help © Copyright Wealth Today Pty Ltd

As Wealth Advisers, we’re able to build financial walls around our clients and ourselves by helping them to: terminate their mortgage while building wealth with protection So that they can enjoy Lifestyle today with Freedom Tomorrow (LIFT) AREA OF GREATEST NEED Massive opportunity for us to help © Copyright Wealth Today Pty Ltd

THE FUTURE BROKER © Copyright Wealth Today Pty Ltd

OUR FOCUS Diversify revenues by focusing on your clients’ needs © Copyright Wealth Today Pty Ltd Predominantly fee-for-service. We can help you access these extra services as a team with full support around you. You determine what you are worth!

Standard Broker Model RIVER – loans in motion Approx 720,000 residential loans financed p.a.* 40% broker derived This works out to be 288,000 loans each year Wealth Today Adviser Model LAKE – pool of loans Approx 8.4 million homes* 2.9 million owner occupied homes still with mortgages* Covering 7.4 million people (35% of the Australian population)* * Source ABS OUR FOCUS Where is the market? © Copyright Wealth Today Pty Ltd

Under NCCP you now have a clear obligation to make your clients aware of the need for insurance around the loan. What difference does it make whether you refer it or write the business yourself? How many clients actually get around to taking up insurance once you refer them on? DUTY OF CARE Your clear obligation © Copyright Wealth Today Pty Ltd

Potential Wealth Adviser income versus Broker only income. UPFRONT INCOME COMPARISON * All figures, projections and estimated earnings are estimates only and under no circumstance does Wealth Today Pty Ltd provide any warranty or guarantee that such figures, projections or estimated earnings will be attributable to each adviser. All incomes are gross incomes (excluding GST). They exclude any aggregator or dealer group splits, or any other fees and charges that may be incurred by the adviser. Insurance calculations assume 40 year old male, and 40 year old female, both non-smokers in good health, working full-time in white-collar occupations. See insurance Product illustration for product assumptions and calculations. Please note that an ING Product Illustrator has been used and calculations and assumptions may vary depending on the insurance provider and product. ING/OnePath OneCare Hybrid Commission Rates (current as at 12 July 2010) used in calculations. Loan size $283,100 (being average housing finance commitment for owner occupied property for May 2010 as reported by ABS). Annual earning pre-tax $67,116.40 (being average full-time adult total earning - private and public sectors for Feb 2010 as reported by ABS). Property valuation = $500,000. Funds invested = $100,000. Mortgage commission rates are 0.55% upfront (excluding gst) and 0.15% ongoing (excluding gst). Assumes that the client elects the LIFT (Gold) Membership. Fees are Wealth Today's recommended SOA and LIFT membership fees for a LIFT (Gold) membership as at 4th August 2010). Please note the LIFT fee may vary depending on the LIFT Service elected by the client. Assumes that Mortgage broker derives no other diversified sources of income from servicing the example client other than the example upfront and trail commission paid by the lender to the broker for the settled loan. Refer risk example assumes nett referral fee of 10% of upfront and ongoing insurance commissions are paid to the Mortgage broker for referring the client to an insurance adviser. © Copyright Wealth Today Pty Ltd Broker only Refer Risk Risk Only Lite Advice Lite + Wealth Mortgage Commission (Upfront) $1,557.00 $1,557.00 $1,557.00 $1,557.00 $1,557.00 Statement of Advice Fee $0.00 $0.00 $0.00 $1,150.00 $1,797.00 Insurance Commissions (Life, TDP, Trauma, Income) $0.00 $376.00 $3,759.00 $3,759.00 $3,759.00 Investment Implementation Fee $0.00 $0.00 $0.00 $0.00 $2,730.00 Total Upfront Income $1,557.00 $1,933.00 $5,316.00 $6,466.00 $9,843.00 100% 124% 341% 415% 632% % Income Increase vs Broker Only Income 24% 241% 315% 532%

Potential Wealth Adviser income versus Broker only income. ONGOING INCOME COMPARISON * All figures, projections and estimated earnings are estimates only and under no circumstance does Wealth Today Pty Ltd provide any warranty or guarantee that such figures, projections or estimated earnings will be attributable to each adviser. All incomes are gross incomes (excluding GST). They exclude any aggregator or dealer group splits, or any other fees and charges that may be incurred by the adviser. Insurance calculations assume 40 year old male, and 40 year old female, both non-smokers in good health, working full-time in white-collar occupations. See insurance Product illustration for product assumptions and calculations. Please note that an ING Product Illustrator has been used and calculations and assumptions may vary depending on the insurance provider and product. ING/OnePath OneCare Hybrid Commission Rates (current as at 12 July 2010) used in calculations. Loan size $283,100 (being average housing finance commitment for owner occupied property for May 2010 as reported by ABS). Annual earning pre-tax $67,116.40 (being average full-time adult total earning - private and public sectors for Feb 2010 as reported by ABS) Property valuation = $500,000. Funds invested = $100,000. Mortgage commission rates are 0.55% upfront (excluding gst) and 0.15% ongoing (excluding gst). Assumes that the client elects the LIFT (Gold) Membership. Fees are Wealth Today's recommended SOA and LIFT membership fees for a LIFT (Gold) membership as at 4th August 2010). Please note the LIFT fee may vary depending on the LIFT Service elected by the client. Assumes that Mortgage broker derives no other diversified sources of income from servicing the example client other than the example upfront and trail commission paid by the lender to the broker for the settled loan. Refer risk example assumes nett referral fee of 10% of upfront and ongoing insurance commissions are paid to the Mortgage broker for referring the client to an insurance adviser. © Copyright Wealth Today Pty Ltd Broker only Refer Risk Risk Only Lite Advice Lite + Wealth Mortgage Commission (Ongoing) * $425.00 $425.00 $425.00 $425.00 $425.00 Ongoing Annual Review Fee $0.00 $0.00 $0.00 $800.00 $2,500.00 Insurance Commissions (Life, TDP, Trauma, Income)** $0.00 $129.00 $1,289.00 $1,289.00 $1,289.00 Ongoing Investment Service Fee $0.00 $0.00 $0.00 $0.00 $610.00 Total Upfront Income $425.00 $554.00 $1,713.00 $2,513.00 $4,823.00 * Ongoing fee may not commence until year 2 ** Ongoing fee does not commence until year 2 100% 130% 403% 592% 1136% % Income Increase vs Broker Only Income 30% 303% 492% 1036%

THE FUTURE BROKER © Copyright Wealth Today Pty Ltd While your clients are struggling with excess debt and are unable to readily access comprehensive financial advice, how is your business looking? How secure is your future? Do you wake up every morning absolutely bursting with enthusiasm ready to run out and help another family get into debt? How’s your exit strategy looking? Do you have one?

terminate their mortgage and build wealth at the same time and protect their family’s lifestyle All the while building a great business asset for your family IMAGINE HOW YOU’D FEEL IF YOU COULD HELP CLIENTS © Copyright Wealth Today Pty Ltd

Most of our clients tell us they want: to be mortgage free to still enjoy today’s lifestyle; and to be financially secure in retirement IMPOSSIBLE? POSSIBLE! © Copyright Wealth Today Pty Ltd

MOST PEOPLE THINK IN 1 OF 2 WAYS pay off their mortgage first and then start to invest, or invest first, and pay off their mortgage later. When it comes to their home mortgage and investments, they think they have to either © Copyright Wealth Today Pty Ltd

DO BOTH NOW! and DON’T WAIT! THERE IS A 3 RD AND BETTER WAY TO THINK This third approach focuses on paying off the mortgage whilst accumulating wealth. This could result in dramatic acceleration of your client’s achieving their goals! © Copyright Wealth Today Pty Ltd

L IFESTYLE - maintain your current lifestyle I NDEPENDENT - plan to be independent F REEDOM - gain financial freedom T OMORROW - enjoy financial freedom in the future and in retirement THE LIFT PROGRAM Lifestyle today, financial freedom tomorrow © Copyright Wealth Today Pty Ltd

Consider retirement at age 60 on an income of $1,000 per week (indexed, after tax) RETIREMENT LIFESTYLE Help clients plan for the retirement we all want to enjoy © Copyright Wealth Today Pty Ltd How much do you think is needed to achieve this? (without eroding any of the capital so there will still be some left for the kids)

The answer in today’s dollars is $967,000 Can your clients afford to retire with just superannuation to support their desired lifestyle of $1,000 per week? Consider this: If inflation runs at 3% p.a. then you will need to double this figure every 24 years to calculate future dollar requirements – that is 1.5 times this amount in 12 years. RETIREMENT LIFESTYLE Plan for the retirement we all want to enjoy © Copyright Wealth Today Pty Ltd

BASED ON ACTUAL RETIREES, the main source of income as they retired was: Planned Actual Based on ABS. PERSONS AGED 45 YEARS AND OVER WHO HAVE RETIRED FROM THE LABOUR FORCE, Main source of income at retirement and main source of income - July 2006 to June 2007. The current maximum age pension is $17,469 per year for singles and $26,338 per year for a couple. (Current as at 31/01/2010 – source www.centrelink.gov.au) Superannuation (47.0%) 13.6% Partner’s income (28.4%) 27.7% Dividends, Interest, Rental Property Income, Own business income (8.1%) 9.6% RETIREMENT REALITY Our predecessors Government Pension (6.4%) 41.7% © Copyright Wealth Today Pty Ltd

The opportunity to change is right in front of us. It comes from just focusing on PROVEN STRATEGIES to transform your clients’ future. CHANGING FOR THE FUTURE See the opportunity that is before you © Copyright Wealth Today Pty Ltd

Tidy up accounts and credit cards and get them working for your clients! Consolidate bad debts (non-tax deductible). Review existing mortgage structure for appropriateness and refinance if necessary. Identify the spare cash available each month and make it work for your client. HOW DOES THE LIFT PROGRAM WORK? Terminating the mortgage (and other non tax-deductable debt) © Copyright Wealth Today Pty Ltd

Begin an automatic investment plan. Use income from the investments to reduce bad debt. Potentially use borrowed funds to accelerate returns. Review your client’s progress regularly to adapt to their changing circumstances. HOW DOES THE LIFT PROGRAM WORK? 2. Build wealth whilst paying off the mortgage © Copyright Wealth Today Pty Ltd

HOW DOES THE LIFT PROGRAM WORK? 3. Protect your client’s family © Copyright Wealth Today Pty Ltd Ensure your client and their family are protected with appropriate insurances .

*the above is an example only - individual results will vary Did you know that a 25 year P&I mortgage can be paid off in: 25 years if making minimum monthly payments; 20 years if paying fortnightly; 16 years if effectively using an offset account; or 9 years when combined with an investment, cash flow and debt management strategy THE LIFT PROGRAM How much of a difference could it really make? That is a potential saving of 16 years of mortgage repayments* © Copyright Wealth Today Pty Ltd

THE LIFT PROGRAM What do 16 years mean in monetary terms? Here’s an example: 16 years of mortgage repayments at $2,500 per month = $480,000 If $2,500 per month was invested at a 5% interest rate, then that $480,000 would turn into Is that getting closer to that $967,000 retirement figure? $733,000 © Copyright Wealth Today Pty Ltd

Bill (44) and Mary (44) – two children 17 & 13 Both teachers earning $61,500 p.a each (before tax). They owe $248,000 on their home ($700,000 value). Bill has $85,000 in superannuation, and Mary has $35,000. No other real assets. Credit cards paid off in full every month. THE LIFT PROGRAM Modeled example One - SCENARIO © Copyright Wealth Today Pty Ltd

Non- deductible home loan paid out in 9 years. Saving 12 years and $139,470 in interest payments (on non-tax deductible loans). THE LIFT PROGRAM Modeled example One – RESULTS © Copyright Wealth Today Pty Ltd

By implementing this strategy, Bill and Mary have the potential to: Increase their retirement asset base by $1,370,682; and Increase their retirement income by $82,242 p.a. THE LIFT PROGRAM Modeled example One – RESULTS © Copyright Wealth Today Pty Ltd

John (32) and Julie (29) – no children John – Building Supervisor earning $60,000 p.a (before tax). Julie – Office Manager earning $55,000 p.a. They owe $170,000 on their home ($345,000 value). John has $30,000 in superannuation, and Julie has $25,000. Julie owns $3,000 in shares and $3,000 in bank. $2,000 Credit cards making minimum payments. THE LIFT PROGRAM Modeled example Two - SCENARIO © Copyright Wealth Today Pty Ltd

By implementing this strategy, John and Julie have the potential to: increase their retirement asset base by $2,186,931; and increase their retirement income by: $131,216 p.a. THE LIFT PROGRAM Modeled example Two – RESULTS © Copyright Wealth Today Pty Ltd

With this knowledge and advice, how valuable have you just become to your clients? Clients happily pay for advice. This lifts client retention and acquisition to a whole new level! You become a true industry professional. MAKE IT A REALITY For your clients and for your business How’s that for a competitive advantage ? © Copyright Wealth Today Pty Ltd

WHAT DOES A WEALTH ADVISER DO? You deliver peace of mind by providing the right plan at the right time with the right support! © Copyright Wealth Today Pty Ltd

HOW CAN WEALTH TODAY HELP ME DO THAT? We have developed a comprehensive strategy based on over twenty years of research and implementation. If applied, this literally has the potential to rewrite yours and your clients’ futures. All this can be achieved WITHOUT putting their current life on hold! © Copyright Wealth Today Pty Ltd With a proven model based on extensive experience

HOW DO I GET STARTED AS AN ADVISER? FIRSTLY: Obtain your Diploma of Financial Services (FP) DFS 1,2 & 4. This is done either through Wealth Today or any nationally accredited provider. We run a 5 day intensive class environment followed by 25+ hrs of assignments. THEN: We closely mentor and coach you to allow you to safely gather the skills required to become competent within the scope of your business. BEGIN: Using the Wealth Today FNA (financial needs analysis) with every client you come in contact with. © Copyright Wealth Today Pty Ltd You can be earning extra dollars within weeks , not months.

SAFELY EARN WHILE YOU LEARN © Copyright Wealth Today Pty Ltd Wealth Today Paraplanning services are available from day one. When you begin with Wealth Today as a new entrant to the financial services industry, you will be guided through an induction and training process designed to develop key competencies to assist in launching your business. Wealth Today can assist in the launch of your business by use of our complete Paraplanning service to enable you to give top quality advice from day one.

FROM DAY 1 AS A WEALTH ADVISER Meet with your client as per normal. Explain that you are not just a broker, you can do so much more. Complete a financial needs analysis of the client’s short, medium and long term goals. Show them potential solutions whilst working through the needs analysis. Get the FNA signed and return it to Wealth Today. Our experienced Para planners then individually tailor a plan to suit your client’s needs. You present the plan and get it signed by the client. Send the plan back to us and we implement the strategies for you. HOW DO I START HELPING CLIENTS? It all starts by determining their situation and needs © Copyright Wealth Today Pty Ltd

Simply follow the steps in our proprietary Financial Needs Analysis. Get paid a fee for your PROFESSIONAL SERVICE Professional Wealth Adviser No need to change aggregator !!

Client Declaration I am aware that a fee of $ _________ will be charged for the preparation of a Statement of Financial Advice. Payment details below. The information provided in this Financial Needs Analysis is complete and accurate to the best of my/our knowledge (except where I/we have indicated that I/we have chosen not to provide the information). I/We understand and acknowledge that by either, not fully or accurately completing the Financial Needs Analysis, that any recommendation or advice given by the adviser in these circumstances may be inappropriate to my/our needs and that I/we risk making a financial commitment to a financial product that may be inappropriate for the needs identified. I/We acknowledge that I/we have received the Wealth Today Pty Ltd Financial Services Guide ( “ FSG ” ) inclusive of a copy of the Wealth Today Pty Ltd Privacy Disclosure Statement ( “ PDS ” ). I/We confirm that I/we agree to the collection, use and disclosure of our information from and to our advisers as listed below, where this is required by my adviser in the provision of financial services to me/us. Client Declaration I/We Have completed all areas of this document and agree to provide you, my adviser, with all relevant information. Signed: __________________________ Signed: _______________________________ Date: ____________________________ Date: _________________________________ How to get paid as an industry professional FEE FOR SERVICE © Copyright Wealth Today Pty Ltd

Like any change it can seem daunting at first, but our system will guide you and break the process into easy-to-implement steps. HOW HARD IS IT TO INTRODUCE THESE SERVICES TO MY CLIENTS? We have that covered! © Copyright Wealth Today Pty Ltd

Add up to 5 types of income from sources that don’t rely on the banks to stay benevolent to your cause. Potentially triple the asset value of your business! Develop true Clients for Life, insulated from the banks and other brokers. Develop a base of clients which if serviced effectively, can provide a lifetime of success for themselves and for you. That means no more prospecting! Dramatically improve your clients’ success and prosperity! YOUR NEW LIFE AS A WEALTH ADVISER Added value to your clients and your business © Copyright Wealth Today Pty Ltd

HOW WOULD THIS LOOK OVER A YEAR ? Wealth Today Pty Ltd 2008 Ltd. Australian Financial Services Licensee, License No 340289 ABN62 1333 93 263 | Level 1, Unit 3, 228 Main Street, Osborne Park, WA 6017 | PH +618 9207 1433 Copyright Wealth Today Pty Ltd If the previous example were your average client, and you help just one new client per week. At the end of 12 months you would have: 52 clients $367,796 in upfront revenue* $193,076 pa in ongoing revenue* Totalling $560,872 pa For just one client per week. Imagine if you had 2? * After subtracting Paraplanning service costs and dealer fees. (Based on average of 75% retained by broker. Note that at above annual revenue, the average retained by the broker may be higher).

Owning and running your own Financial Services business may be simpler than you think! When you align with Wealth Today, you will not find yourself wondering where to start, how to approach clients and what kind of marketing might work. COMPLETE PLUG AND PLAY SOLUTION © Copyright Wealth Today Pty Ltd

A simple step by step approach to get your phone ringing off the hook. With an understanding of how busy you already are, the Wealth Today model wraps around your current business so you can fundamentally enhance your service offering to your clients without turning your existing operations upside down. ALL THE GROUND WORK DONE FOR YOU Backed up by comprehensive training and business tools NO GUESS WORK REQUIRED! © Copyright Wealth Today Pty Ltd

FULL PLAN BUILDING SUPPORT| A dedicated team of Para planners to research, design and build plans tailored to your clients’ needs. A full implementation team to administer the plan into action. START-UP PACK | A marketing pack designed to provide the tools to launch your business and hit the ground running. BUSINESS COACHING | A personalised business plan developed with one of our coaches incorporating comprehensive marketing planning and ongoing structured business mentoring. ( This is one of most popular areas of support) PERSONALISED WEBSITE | A personalised website to assist in promoting your business and to allow your clients to see the professional that you are online. SOFTWARE | Customised Financial planning software to allow easy tracking and building of plans (if you wish to build your own later), integrated client database management and more. NO GUESS WORK REQUIRED At your fingertips from day one: © Copyright Wealth Today Pty Ltd

CLUB MED CONCEPT | Your outgoings including PI, Cosl, Auditing & compliance, registrations, access to PD points, coaching, Business planning, website, software, access to technical, scenario support and research etc are all covered within the commission model and one off licence fee. INCREASED ASSET VALUE | The opportunity to build a genuine business asset and the potential to realise that asset when the time is right. SUPERIOR TRAINING & SUPPORT | Comprehensive ongoing business coaching and mentoring from a management team with extensive experience in the finance industry plus administrative support that allows you to focus on clients instead of paperwork. TWO REMUNERATION OPTIONS | The choice of two remuneration models that support you when you’re starting up and that can allow you to fully maximise your earnings. WEALTH TODAY - THE ADVANTAGES © Copyright Wealth Today Pty Ltd

FREEDOM TO GROW | The freedom to expand your business by growing a team of advisers supported by the Wealth Today training and business development systems. ONLINE ADVISER RESOURCE CENTRE | Housing comprehensive business development and marketing training, customisable marketing tools, an online store for ordering stationery, printed marketing materials and so on. RETIREMENT ASSISTANCE | Our assistance in exiting the industry when you’re ready to retire. We may wish to buy your business ourselves or we will actively promote the sale of your business across our networks and even act as a purchase payment facilitator to ensure your security as a vendor. Complete peace of mind. AFFORDABLE LICENSE FEE | An extremely competitive license fee with an affordable payment plan that allows a smooth pathway to entry. Plus an easy to understand, no surprises, all-inclusive commission system with no nasty ‘extras’ along the way. WEALTH TODAY - MORE ADVANTAGES © Copyright Wealth Today Pty Ltd

YOUR FUTURE LIFE AS A WEALTH ADVISER Imagine being able to close off your books to new clients or slow down to 3 days a week. Remember that family time? Imagine working with a company that truly focuses on your clients’ needs first. Be one of the very few that actually aims to get their clients OUT of debt. A person who helps people achieve their dreams, not just shackle them to a 30 year loan. © Copyright Wealth Today Pty Ltd

You can complete most of your DFS 1, 2 & 4 within a class room and around 25hrs of assignments outside. This could enable you to give personal advice in less than three weeks.* (Note the timing and duration of the class room activity is designed to allow you to maintain your existing business!) * Note that you are able to take up to 6 months to complete the assessments. Wealth Today has partnered with AAMC to provide a nationally recognised Diploma of Financial Planning (DFS 1,2 & 4) © Copyright Wealth Today Pty Ltd Remember that’s not a problem! WHAT IF I’M NOT QUALIFIED YET?

Stop talking about should you diversify your Broking business and just do it! The future financial market place © Copyright Wealth Today Pty Ltd Create a new normal for your business. One that has your customers calling, asking you for more. Start 2011 with a new years resolution to expand your business to the new normal. Make your customers expect, and get more from you than ever before. Don't get left behind!

Figures used on slide 36 as basis for assumptions: Loan size $247,904 (being average housing finance commitment for owner occupied property as reported by Australian Bureau of Statistics (ABS) August 08). Annual earning pre-tax $61,521 (being average full-time adult total earning – private and public sectors as reported by ABS May 08. Annual earning after-tax $48,464.90 (calculated using above pre-tax earning with A.T.O. simple tax calculator available of the A.T.O. website on 10/11/08). Assuming two full-time salaries in household. Loan term calculated using the Commonwealth Bank of Australia home loan calculator available on http://hlcalc.webcentral.com.au as at 10/11/08. Assumption for offset account – assume average balance of 3 months after-tax household earnings of $24,232. Assumptions pertaining to the LIFT Models outlined in slides 38 to 42 are available for viewing at Wealth Today Head office. All figures, projections and estimated earnings are estimates only and under no circumstance does Wealth Today Pty Ltd provide any warranty or guarantee that such figures, projections or estimated earnings will be attributable to each adviser. ASSUMPTIONS © Copyright Wealth Today Pty Ltd

WHERE TO FROM HERE? Get your business onto a new, more rewarding track! © Copyright Wealth Today Pty Ltd If you already have a Wealth Today agreement then once you are comfortable with your understanding of the agreement, simply make a time with your BDM to walk through the signing process. If you don’t yet have a copy of the agreement ask your BDM for one and it will be express posted to you ASAP. Then, ready to roll, depending on whether you have your qualification yet or not, OR Join us at the next Academy Join us at the next Induction Day Spaces are limited!

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