Disclosure Information

Conflicts of interest and incentives

Our Adviser Limited advisers receive either a salary as employees, or fees as contractors to Our Adviser Limited. Financial advisers may receive a discretionary bonus calculated based on overall company profitability and on a number of metrics including achieving client service levels, client satisfaction levels, compliance obligations, meeting continued professional development requirements and achieving productivity targets.

Our Adviser Limited advisers receive either a salary as employees, or fees as contractors to Our Adviser Limited. Staff remuneration is not solely linked to sales targets. Staff may receive a bonus based on overall company profitability and/or a blend of measures. Promotion and pay or contractor fee increases are based on merit, efficiency, and effectiveness. Each adviser has key performance indicators, and these include being compliant, providing the required level of client service, client satisfaction levels, being a team player, meeting continued professional development requirements and achieving productivity targets.

Our Adviser Limited may be paid in the form of commission from the product providers through which we place business. The amount of the commission we receive depends on several factors, such as the product providers used. We will provide more specific details of the commission we receive at the time our advice is given.

Our Adviser Limited holds distributor agreements with all recommended product and service providers, and may occasionally receive from those respective providers certain benefits, such as access to complimentary or subsidised services that support our business.

To ensure we prioritise our clients’ interests:

• Advisers are not incentivised to promote one product over another. Our advisers are free to recommend products of any financial product provider, without restriction other than the requirement to deliver the best expected outcomes to our clients.
• We have policies and procedures in place to identify and manage conflicts of interest. This includes annual staff training about how to manage conflicts of interest.
• Although Our Adviser Limited may receive commissions, no individual adviser engaged by Our Adviser Limited will personally receive commissions.
• We follow a structured advice process that ensures our recommendations are made appropriately based on clients’ goals and circumstances.
• We maintain registers of conflicts of interest and any gifts and incentives we may receive. These registers are monitored regularly to ensure they do not impact our advice, and additional training is provided as required.
• We undertake an ongoing independent Compliance Assurance Review by Strategi Limited.

If you decide to purchase a property from a property developer following an introduction by Our Adviser Limited, Our Adviser Limited will receive a referral fee from the developer. The referral fee is not an added cost to the property price. We will provide you with more information before any referral is made.

Non-monetary benefits (soft dollar disclosure)

From time to time, Our Adviser limited and advisers may receive certain non-monetary benefits from product providers. This could include gratuities such as a bottle of wine at Christmas time, a free calendar, pen or book, the occasional luncheon, drinks after a briefing session, and invitations to events.