As a smaller bank that values each and every customer, we understand that everyone is different.
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.
Making the right financial decisions for you can have a huge impact on your future.
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.
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 Australian financial services licence (AFSL). As a result we can only give factual information about those services.
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.
It’s never too early or too late to seek financial advice.
No matter your stage of life, there are ways a Financial Adviser can help you to achieve your goals.
|ENGAGE||ENGAGE WITH AN ADVISER
Take the first step to engaging with a Financial Adviser by contacting us to arrange an introduction.
|DISCOVER||IDENTIFYING YOUR GOALS
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.
|ANALYSE||ASSESSING YOUR FINANCIAL SITUATION
Your Financial Adviser will take a good look at your position – your assets, liabilities, insurance coverage and investment and tax strategies.
|ADVISE||PREPARING YOUR FINANCIAL PLAN
Your Financial Adviser recommends suitable strategies, products and services, and answers any questions you have.
|IMPLEMENT||IMPLEMENTING THE RECOMMENDATIONS
Once you're ready to go ahead, your financial plan will be put into action. Where appropriate, your Financial Adviser may work with Auswide Bank or specialist professionals, such as an accountant or solicitor.
|REVIEW||REVIEWING THE PLAN
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.
Your first discussion with an Alliance Wealth authorised Financial Adviser is obligation free!
They will present you with a copy of a Financial Services Guide which outlines a fee range that may be charged.
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.
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.
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.
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!
Get on track towards achieving your personal goals.
Auswide Bank can introduce you to a qualified Financial Adviser from the Alliance Wealth network today.
For more information on how to choose a Financial Adviser and for guidance on fees, you can visit ASIC’s MoneySmart website.
Auswide Bank Ltd ABN: 40 087 652 060, Australian Financial Services Licence ('AFSL') 239686 ('Auswide Bank') may refer you to Alliance Wealth Pty Ltd AFSL 449221 ABN 93 161 647 007 ('Alliance Wealth') – a wholly owned subsidiary of Centrepoint Alliance Limited ABN 72 052 507 507 - one of Australia's leading networks of non-institutional advisers in financial services.
Auswide Bank's AFSL does not extend to the range of financial advisory services or products provided by Alliance Wealth (including its authorised representatives and licensed associates). We can only inform you that Alliance Wealth can provide those products and the services. Any factual information we provide is not intended to imply any recommendation or opinion about a financial product or service. We recommend you form your own opinion about these matters and seek advice from your financial adviser.
Unless specifically stated in the relevant disclosure statement, any financial product or service recommended by Alliance Wealth (or its authorised representatives and licensed associates) are not issued by and are not deposits or liabilities of Auswide Bank. Accordingly, Auswide Bank does not guarantee the repayment of capital or the performance of these financial advice products and your investment may be subject to investment risk, including possible delays in repayment and loss of income and principal invested.
Auswide Bank may receive a referral fee of between 5% and 10% of commissions, brokerage or fees on the financial services or products you receive as a result of a referral to Alliance Wealth.
Auswide Bank also has a minority interest in Financial Advice Matters Group Pty Ltd ABN 11 605 631 598 (FAM) Corporate Authorised Representative No 1234989 of Alliance Wealth. FAM is also a Credit Representative No 480095 of Centrepoint Lending Solutions Pty Ltd ACL 377711 ABN 40 100 947 804. Auswide Bank may receive dividends from FAM. In addition to their salary or wages, employees and authorised representatives of Auswide Bank may also receive benefits and incentives (such as gift vouchers, cash incentives or discounts) from Alliance Wealth (or its authorised representatives and licensed associates)
For more information on Centrepoint Alliance Limited and Alliance Wealth Pty Ltd please visit http://www.centrepointalliance.com.au/licensee/alliance-wealth/