Tier 1 - Simple Personal Advice - for existing NOR clients +

ESTIMATED FEE RANGE: $880 - $1,760

**This tier suits existing NOR Financial clients, with no significant changes to their circumstances. While we consider other options and potential benefits this covers the majority of our review work that simply requires occasional course corrections. (Tier 1 simple personal advice is also included in our yearly advice retainer.) **

Examples include but not limited to:

✓ Reduce existing insurance cover

✓ Rebalance/adjust existing investments to suit your changing needs

✓ Contribute under 100k to existing super or investment

✓ Consider investment options and refer to network eg broker, buyers agent or SMSF specialist etc

✓ Increase existing insurance using automatic features eg Guaranteed Future Insurability or Newly qualified professional's option

Tier 2 - Intermediate Personal Advice +

ESTIMATED FEE RANGE: $2,200 - $3,960

Financial advice for clients not yet engaged with NOR Financial. We consider all relevant information and recommend a course of action and implement it with you. This covers all research, production and implementation of a new Statement of Advice (SOA)

Examples include but not limited to:

✓ Analysis of all existing Superannuation or Investment and potential alternatives

✓ Create new super or investment account

✓ Create investment bonds to fund children's future education costs

✓ Establish savings plan or investment account for defined goal

Tier 3 - Complex Advice +

ESTIMATED FEE RANGE: $4,400 - $6,600

This is most commonly for clients starting to build their financial foundations for future prosperity. You might need to manage tax or risk for the years ahead or start building a nest egg. It is unlikely that you would need this level of advice on a regular basis.

Examples include but not limited to:

✓ New/replacement insurance advice

✓ Complex investment strategy involving multiple entities

✓ Complex insurance alterations and restructure

✓ Tax minimisation strategy eg Capital gains tax management

✓ One off large super/investment contributions

General discussions and admin assistance +

ESTIMATED FEE RANGE: $440 - $880 (Admin assistance billed at $165 p/h)

**This is for basic general discussion with your adviser where no research is required. We can tell you what you CAN do but not what you SHOULD do. We also charge for administration tasks based on complexity. **

Examples include but not limited to:

✓ Admin and factual information only - No Advice Document required

✓ Tools and techniques, buy or rent etc.

✓ Admin assistance - Change of details or general adminstration work.

✓ Consider investment options - non product specific discussion on assets types and structures

✓ Tax minimisation - How different tax structures work and general pros/cons

✓ Assistance with setting up Will and Power of Attorney through our legal providers

✓ Initiate claims process (we send notification to insurer and you take it from there. Claims management by NOR falls outside the tiered pricing system and is discussed on an individual basis)

Yearly Advice Retainer - We help maintain your investment +

$121 inc GST: per person / per month

Suited for clients with superannuation or investment accounts that require maintenance. We manage your affairs throughout the year and look for opportunities before they arise. This service is designed to help you reach your short, medium and long terms goals with confidence and accountability.

Yearly Advice Retainer includes:

✓ 1 x Annual review meeting with simple advice at no extra cost Tier 1 ( min value $880)

To help things run smoothly we also cover up to 2 x general admin/general tasks per annum (valued up to $1,760)

Retainer option includes:

✓ Superannuation/Investment maintenance using Separately Managed Account structure

✓ Paperless Superannuation/Investment managed by your adviser with rapid turn around times - Very rare you need to print and sign something

✓ Insurance maintenance to ensure your cover stays intact and relevant to your needs

✓ Tax pack sent to nominated Accountant each year to help with preparing tax returns (1 x admin $440)

✓ We directly liase with your network (Accountants, mortgage broker, buyers agent etc)

✓ General discussion with your adviser aka "brain picking call"

We believe that this is best paid directly so it does not errode your investment balance and is as tax effective as possible. The cost can be charged from investment or super where appropriate.

Pay as you go - We work with your Insurance, Industry Super and Share Trading account +

No Fee/ No Commissions - Pay as you go

This package is well suited to insurance, investment or industry super clients that want to manage their affairs themselves. Through our partnerships we can access your relevant information to give you accurate advice or support as and when you request it. Turn around times are not as rapid as industry funds often require paper signatures and dont have dedicated support that is offered under YAR. If you are simply growing super/investment this may mean a little extra effort to set up but it's usually smooth sailing from then on.

Admin assistance charged at $165p/h

Advice fee charged at $440p/h

Our investment partners:

✓ Selfwealth - Share Trading

✓ Aware Super

✓ Australian Super

✓ Hostplus Super

✓ HESTA

✓ REST

None of the providers above will send us copies of communication or alert us to important matters you need to attend to. As your listed adviser we access information only as required.