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  • REAL ESTATE AGENTS
    LOANS EQUITY LOANS INVESTMENT PROPERTY OTHER USEFUL LINKS OTHER USEFUL LINKS REAL ESTATE AGENTS REAL ESTATE CONVEYANCER REAL ESTATE AGENTS Real Estate Agency to buy and sell real estate Land Property Group Land Property Group in Perth WA is owned and managed by Mr Rosh Jalagge who has numerous years of experience He is well respected by the community and strives to help his clients achieve great sale prices or

    Original URL path: http://www.worldpensiontransfers.com.au/REAL_ESTATE_AGENTS.html (2016-02-17)
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  • REAL ESTATE CONVEYANCER
    BUSINESS LOANS EQUITY LOANS INVESTMENT PROPERTY OTHER USEFUL LINKS OTHER USEFUL LINKS REAL ESTATE AGENTS REAL ESTATE CONVEYANCER REAL ESTATE CONVEYANCER Settlement Agency Real Estate and Land Conveyancer Trewin Title Transfers Mrs Kim Trewin is the Owner Licensee of Trewin Title Transfers in Perth WA and has many years of experience in settlements Just let her know that we referred you to her and she will provide you a discount

    Original URL path: http://www.worldpensiontransfers.com.au/REAL_ESTATE_CONVEYANCER.html (2016-02-17)
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  • PENSION ENQUIRY
    TRANSFER FORMS FINANCIAL SERVICES FINANCIAL SERVICES Pension Transfers LIFE INSURANCE QUOTES BUSINESS RISK INSURANCE INSURANCE ENQUIRY FORM SUPERANNUATION LOANS HOME LOANS FIRST HOME OWNERS MIGRANTS NON RESIDENTS LOAN CALCULATOR LOAN APPLICATION PERSONAL LOANS CAR BOAT EQUIPMENT BUSINESS LOANS EQUITY LOANS INVESTMENT PROPERTY OTHER USEFUL LINKS OTHER USEFUL LINKS REAL ESTATE AGENTS REAL ESTATE CONVEYANCER PENSION ENQUIRY PENSION ENQUIRY Our process is simple and fast It involves the following 1 The provision of our Financial Services Guide FSG information which is a mandatory requirement for all Financial Planning Firms 2 Our General Pension Enquiry Form so you can provide your contact details and outline the nature of your enquiry or to request to have a client services office call you to discuss your situation Upon receipt a Client Services Office will normally get back to you within 2 working hours 3 A Transfer Pack which contains all the forms and information required to actual proceed with a Transfer Upon receipt we will undertake a Transfer Assessment with you prior to formally proceeding with the Transfer If for any reason we can not undertake a transfer then there is no charge NEXT STEP To proceed please click on Step One Content copyright

    Original URL path: http://www.worldpensiontransfers.com.au/PENSION_ENQUIRY.html (2016-02-17)
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  • MIGRATION SERVICES
    TRANSFERS PENSION FACT SHEETS Pension Transfers Pension Transfers UK PENSION TRANSFERS QROPS UK TRANSFERS IRELAND PENSION TRANSFER SOUTH AFRICAN TRANSFERS PENSION FACT SHEETS TRANSFER FORMS FINANCIAL SERVICES FINANCIAL SERVICES Pension Transfers LIFE INSURANCE QUOTES BUSINESS RISK INSURANCE INSURANCE ENQUIRY FORM SUPERANNUATION LOANS HOME LOANS FIRST HOME OWNERS MIGRANTS NON RESIDENTS LOAN CALCULATOR LOAN APPLICATION PERSONAL LOANS CAR BOAT EQUIPMENT BUSINESS LOANS EQUITY LOANS INVESTMENT PROPERTY OTHER USEFUL LINKS OTHER USEFUL LINKS REAL ESTATE AGENTS REAL ESTATE CONVEYANCER MIGRATION SERVICES Australian Migration Services Australia Migration Com is one of the largest established migration services in Australia Head Office Perth WA with other offices in UK England South Africa Singapore Brazil Malaysia Philippines and associated offices in 17 other countries In business since 1996 they are fully registered licenced With their knowledge and experience you can be confident that your visa and immigration requirements are fully satisfied to the highest levels Contact them direct on Australia Head Office Perth 08 9296 0755 International Callers 61 8 9296 0755 For other contact details offices www Australian migration com Content copyright World Pension Transfers All rights reserved home page Newsletters Site languages Contact Us Pension Transfer Enquiry Insurance Enquiry Form Loan Application Financial Services

    Original URL path: http://www.worldpensiontransfers.com.au/MIGRATION_SERVICES.html (2016-02-17)
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  • Transfer Step ONE
    product by arranging for a financial product to be acquired varied or disposed of I can provide advice on and deal in the following financial products Deposit and payment products Derivatives Debentures stocks or bonds Investment life insurance products Life risk insurance products Managed investments schemes Retirement savings accounts Securities Superannuation Credit Advice through Gold Vision Finance Pty Ltd Who do you act for when you provide financial services to me I will be acting on behalf of The Salisbury Group Pty Ltd The Salisbury Group is therefore responsible to you for any financial services your adviser provides How will I pay for the service and what remuneration commission fees or other benefits do you receive in relation to providing that financial service to me and how are they calculated Gold Vision Financial Services is a Fee for Service Firm and does not charge Commissions You will be charged a fee for our services including consultations advice preparation and on going services and provided an invoiced for our services at that time payable with 7 days or at the time of investment On going Service Fees are to be agreed upon All fees and charges payable by you for our services will be clearly disclosed to you prior to the commencement of any service by your adviser Our Firm may waive our Service Fee Financial Plan Preparation fees when you proceed with a product recommendation where we receive Fees Commissions from the product provider ie Life insurance Our Firm may refund part or all of the product commissions or on going fees back to you We do not charge Contribution fees Your advisor will also provide full details of any fees for Service Commissions in your Statement of Advice Please note that from all fees or commissions received the Firm Advisor will receive 87 5 approximately and the dealer group The Salisbury Group will receive approximately 12 5 Our Fees Change of Adviser only no advice provided There is no charge for Nominating our Firm or Adviser s as the Adviser on your existing financial products In doing so Gold Vision Financial Services will receive any existing Adviser Fees or On going Commissions payable and refund a proportion of those payments received back to you No advice is provided with a Change of Adviser however where advice is required or subsequently requested you may be charged a fee as outlined in this Guide Non Advice Execute Only Fees Our Firm charges a minimum of 110 per transaction for non advice services Prices will be advised before proceeding and will depend on the type and complexity of the work involved Contribution Fees Our Firm does not charge Contribution fees however where these are built into products we will rebate these fees back to you Fee for Service Our minimum Fee for Service is 110 per request consultation with an ongoing hourly rate of 110 per hour inclusive of GST These fees may be waived if proceeding with further Services such as a Statement of Advice or where you are proceeding with our recommendations and we receive payment from the product provider ie Life Insurance These fees are not payable when the request consultation is part of an ongoing service fee Financial Plan Preparation Fee You may be charged a Financial Plan P reparation F ee which can range between 550 and 3 300 inclusive of GST depending on the complexity of the advice and time spent Additional fees for Implementation of the Advice may be charged as well I will provide you with an estimated cost before commencing any work Ongoing Service Fee I charge a fee for the ongoing advice and management of your financial affairs including an annual review however this excludes any additional financial plan preparation that may be required The ongoing service fee up to a maximum of 1 1 will be calculated as a percentage of your total investments and premiums under management If requested a flat dollar annual service fee can be negotiated with you and will depend on the level of service required by you Our minimum annual fee is 1100 Payment Where our fees are not deducted from your investment balance a ny fee for service must be paid within seven 7 days from the date of the tax invoice being issued to you and all cheques for financial planning advice fees must be made payable to TSG Where upon you have agreed to our fees being deducted directly from your investment no invoice is issued Examples of our Fees Product Service Type Upfront Fees Ongoing Service Fees per annum Change of Adviser No Charge What you are currently paying on you investment Product Execute only Australian Super Transfer 110 per transfer UK Pension Transfer 550 min See below for details on ongoing service fees Consultation Service Fees please note these may be waived if proceeding with further services 1 hour 110 1 hour 110 plus 110 per hour thereafter or part of 1 5 hour meeting is 165 Nil Contribution Fees Nil Nil Financial Plan Preparation Fee Statement of Advice Single Strategy 550 min Multiple Strategies 1100 minimum Overseas Pension Transfers 1650 minimum Complex Plan 2200 minimum see below for specific ongoing fees Ongoing Service Fee Not Applicable Up to 1 10 of the total amount invested per annum Based on 10 000 a fee of 110 per annum Or Flat dollar Fee minimum 1100 per annum Investment and Superannuation No Contribution Fees Up to 1 10 of the total amount invested Based on 10 000 a fee of 110 Or Flat dollar Fee minimum 1100 per annum Wrap Super Wrap and Master Trust No Contribution Fees Up to 1 10 of the total amount invested Based on 10 000 a fee of 110 Or Flat dollar Fee minimum 1100 per annum Life Insurance Products Up to 125 of the first year s premiums Up to 25 of that year s premium Do any relationships or associations exist which might influence you in providing me with the financial service John Horvath Gold Vision Financial Services Pty Ltd and The Salisbury Group are not controlled by any financial institution s such as a fund manager bank insurance company or trade credit union None of these institutions has a vested interest in our business and are not therefore in a position to influence us in the provision of advice In July 2007 Australian Financial Services Group Ltd the largest adviser owned financial planning group acquired a significant shareholding in The Salisbury Group This provides both John Horvath Gold Vision Financial Services Pty Ltd and The Salisbury Group with access to the strengths and opportunities which are presented by a large nation wide group without losing the client focussed and individually tailored operations of The Salisbury Group The Salisbury Group has an arrangement with certain platform Wrap providers where they may receive a volume bonus based on the total funds under management with that provider Alternatively some of the platforms Wraps may offer equity participation or volume bonus dependent on the total funds under management This can range from 0 00 to 0 20 In dollar terms this would be between 0 00 and 200 00 per annum on a 100 000 00 investment In all cases any arrangements will be disclosed in your Statement of Advice SoA Preferred Partners TSG maintains Preferred Business Partner arrangements with many leading companies who provide us with access to products on favourable terms This relationship is beneficial to both TSG and our clients They also provide training at professional development days and at our annual conference for which they make a financial contribution Please note that the inclusion of a product or service on our recommended list is not dependent on support from a product supplier Your Authorised Representative s SOA will fully disclose these arrangements when it is presented to you The Preferred Business partners as at 30 June 2011 were Abacus Property Group AIA Australia Limited Alpha Structured Investments AMP Capital Investors Asgard Wealth Solutions Asteron Limited Australian Unity Aviva Investors Bendigo and Adelaide Bank Limited BT Financial Group Colonial First State CommInsure INstreet Investment Limited IOOF Investment Management Macquarie Bank Limited Macquarie Life MLC NAB Aviva Next Financial Limited Oasis Asset Management OnePath Russell Investment Group Tower Australia Limited UBS Global Asset Management Aust Ltd Zurich Australia Limited Alternative remuneration Non monetary benefits From time to time advisors may receive non monetary benefits from product providers This can range from small benefits such as movie or sporting event tickets to more valuable benefits such as sponsorship to attended conferences or sales seminars If the value of any of these benefits exceeds 300 00 it will be recorded in the Alternative Remuneration Register A register will be maintained by The Salisbury Group for any benefits received by them that exceed 300 00 and each individual advisor will maintain a register for any benefits that they receive directly and are valued at more than 300 00 A copy of the register will be available for inspection on request When you get our advice Will you give me advice which is suitable to my needs and financial circumstances Yes But to do so we need to find out your individual investment objectives financial situation and needs before we recommend any investments to you You have the right not to divulge this information to us if you do not wish to do so In that case we are required to warn you about the possible consequences of us not having full personal information You should read the warnings carefully In certain circumstances you may agree to receive certain ongoing advice orally rather than in a Statement of Advice In this instance adviser company name will record the advice given as a Record of Advice and you may request a copy of that Record of Advice for up to 7 years at no cost to you What should I know about any risks of the financial products or strategies you recommend to me We will explain to you any significant risks of financial products and strategies which we recommend to you If we do not do so you should ask us to explain the risks to you What information do you maintain in my file and can I examine my file We maintain a record of your personal profile which includes details of your investment objectives financial situation and needs We also maintain records of any recommendations made to you We are committed to implementing and promoting a privacy policy which will ensure the privacy and security of your personal information A copy of our privacy policy is enclosed for your information If you wish to examine your file you should ask us and we will make arrangements for you to do so Can I provide you with instructions and tell you how I wish to instruct you to buy or sell my financial products Yes You may wish to give us instructions by telephone fax or other means This will enable us to prepare the documentation to transact business on your investments however your signature will be required on such documentation Who can I complain to if I have a complaint about the provision of a financial service to me TSG is serious about providing a quality service and resolving any complaints in regard to that service internally however in the event that complaint needs to be be referred to an External Dispute Resolution service TSG is a member of the Financial Ombudsman Service FOS FOS is an independent body which has been approved by the Australian Securities and Investments Commission ASIC to deal with complaints against its members If you have any complaint about the service provided to you you should take the following steps Contact your Authorised Representative and tell them about your complaint If your complaint is not satisfactorily resolved within seven days please contact the Head of Compliance at TSG in writing at PO Box 630 Collins St West PO Melbourne Vic 8007 TSG will try and resolve your complaint quickly and fairly If you still do not get a satisfactory outcome within 45 days or in the timeframe agreed then the procedure is as follows Send your complaint to FOS at G PO Box 3 Melbourne Vic 3001 Their free call number is 1300 78 08 08 The complaints service is free of charge to you The Australian Securities and Investments Commission ASIC also has a free call Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights In the event it is ever necessary TSG holds a Professional Indemnity Policy that meets the requirements of The Corporations Act The Policy includes coverage for the advice given by your adviser whilst an TSG Authorised Representative even if they are no longer authorised by TSG or have left the industry Stage 1 of the FOS process is where FOS facilitates discussions and negotiations between the parties All relevant documents are exchanged and the issues in dispute are identified Stage 2 is conciliation and the parties come face to face with a conciliator from the FOS national panel The role of the conciliator is to assist parties to explore options for settlement of the dispute and to help parties to agree their own outcome Stage 3 is where the independent adjudicator is requested to make a decision on the papers taking into account the relevant law fairness and reasonableness If you accept the adjudicator s decision it is binding on the member Privacy Act Privacy Policy Statement Your privacy is important to Salisbury Your privacy is important to us This statement outlines The Salisbury Group s policy on management and protection of the personal information we hold about our clients It is Salisbury policy to respect the confidentiality of information and the privacy of individuals Salisbury is bound by the National Privacy Principles contained in the Commonwealth Privacy Act Salisbury s Privacy Policy Statement will be reviewed from time to time to take account of new laws and technology changes to our operations and practices and to make sure it remains appropriate to the changing environment Any private information we hold will be governed by the most current Salisbury Privacy Policy Statement Our Privacy Policy is based on openness about how we use and protect your information We are committed to being open about how we use personal information Where our documents ask for personal information we will state the purposes for its use and to whom it may be disclosed Why does Salisbury collect personal information We collect your personal information to ensure that we are able to provide you with the products and services that are appropriate to your needs The process of providing financial advice may seem simple but it is the result of carefully gathering all the right details to help us assess a client s financial situation and goals In fact under the law we have to demonstrate that we know the client and have identified your needs your objectives and your financial circumstances before we may offer you any advice We aim to ensure that the personal information that we retain about you is accurate complete and up to date If you provide us with incomplete or inaccurate information we may not be able to provide you with the advice products or services you are seeking What kind of personal information do we ask for Because of the nature of the products and services provided government regulations and taxation laws we ask for a range of personal information from our customers and shareholders The type of personal information we may collect can include but is not limited to name address date of birth contact details income assets and liabilities account balances tax and financial statements and employment details We obtain most of this information directly from our customers through questionnaires or other forms and from maintaining records or information provided in the course of ongoing financial planning advice or customer service We may also obtain information from other sources Some of our insurance services also require us to collect sensitive information For more details see the section below Sensitive information is subject to greater restrictions If you choose not to provide the information we need to fulfil your request for a specific product or service we may not be able to provide you with the requested product or service How do we use this information and to whom may we disclose it The personal information Salisbury holds is used for establishing and managing your financial products or services reviewing your ongoing needs enhancing customer service and product options and giving you ongoing information or opportunities that we believe may be relevant to your financial needs and other circumstances Depending on the product or service concerned and particular restrictions on sensitive information this means that personal information may be disclosed to Salisbury financial planners brokers and those who are authorised by Salisbury to review customers needs and circumstances from time to time Service providers and specialist advisers to Salisbury who have been contracted to provide Salisbury with administrative financial insurance research or other services Other insurers credit providers courts tribunals and regulatory authorities as agreed or authorised by law Anyone authorised by an individual as specified by that individual or the contract Generally we require that organisations outside The Salisbury Group who handle or obtain personal information as service providers to Salisbury acknowledge the confidentiality of this information undertake to respect any individual s right to privacy and comply with the National Privacy Principles and this policy Sensitive information is subject to greater restrictions Some personal information we hold is sensitive in that it may relate to a person s state of health and medical history The Law also restricts the way we use store and access tax file numbers Sensitive information is usually needed for applications for life sickness and disability

    Original URL path: http://www.worldpensiontransfers.com.au/Transfer_Step_ONE.html (2016-02-17)
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  • Transfer STEP TWO
    your enquiry within 2 working hours We also respond on weekends and public holidays however those repsonse times will vary To assist us in doing so please provide a phone number and best time to call Overseas enquiries are normally dealt with initially via email and then by phone Please note the more information you can provide in the Details of Enquiry Section the better we are able to assit you in your enquiry Many Thanks PENSION TRANSFER ENQUIRY FORM This form is used only to assist us in your enquiry for Pension Transfers It also confirms that we have provided you the FSG information for our Firm Upon receipt of this enquiry a Friendly Staff will contact you in relation to your enquiry If you do not hear from us within 2 working hours and it is urgent then please contact us via the numbers on our contact page Please note that it assists us greatly if you provide a contact phone number and a best time to call For overseas enquiries we will initially contact you via email and then by phone required field Newsletters Your Details First Name Last Name Address Street City Post Zip Code 4 5 digits State ACT NSW NT QLD SA TAS VIC WA Outside Australia Country Australia South Africa United Kingdom UK Other Contact Information A phone Number is Required Daytime Phone Evening Phone Mobile Best time to call Any time 8am 7 pm Aust Morning 8 am 12 noon Aust Afternoon 12 noon 5 pm Aust Evening 5 pm 7 pm Aust Any time 8 am 7 pm UK Morning 8 am 12 noon UK Afternoon 12 noon 5 pm UK Evening 5 pm 7 pm UK Any Time 8 am 7 pm SA Morning 8 am 12 noon SA Afternoon

    Original URL path: http://www.worldpensiontransfers.com.au/Transfer_STEP_TWO.php (2016-02-17)
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