ON-GOING MONITORING & REVIEWS OF YOUR PORTFOLIO

There are a number of important elements in our financial plans. We firstly determine the broad strategy you need to follow to achieve you investment objectives. This strategy is based on the current taxation, social security, superannuation, trust and testamentary laws. These laws will change over time, just as they have in the past. These changes will have an effect on a portfolio.

Secondly, we develop a distinct asset allocation which reflects your investor profile. Over time, the asset allocation of your funds will change as income is distributed, growth investments increase as a proportion of the total or withdrawals are made. It is important therefore to regularly re-balance the asset allocation. If we do not do this, either the portfolio might become too aggressive for you, or too conservative to achieve the returns you require.

Lastly, we choose a number of specific managers and funds to provide the returns for you. Over time, managerial styles change as funds are bought (or sold) by other companies, or key investment staff leave. We track these changes through our on-going research. It could be that at times, funds need to be switched from a manager if they have not been able to maintain their performance or if they significantly increase their fees.

The combination of these will determine the success of your investments. Your lifestyle now, and for the rest of your life is largely determined by the level of income your assets can provide and the extent to which they grow over time.

With the investment portfolio in place working for you, we review the investments on a regular basis. At this review we will look at how much your investments are worth, their asset allocation and the returns they are paying. This will allow us to assess their performance and ensure all distributions are being made to your account.

We will also review any pension entitlement, taxation issues and keep you up to date with what has happened on investment markets. If any changes need to be made or you need to withdraw funds, we can attend to these requirements in a timely and efficient manner.

The benefit for you is that you will understand the changes occurring in your investments, the economy, tax and social security .... and be able to use this knowledge to ensure you can use these changes to your advantage. You need to keep your investment program (and us!) up to date with your current circumstances and objectives - and any changes in your life. We will discuss your financial affairs and provide a comprehensive report covering: -

• The economic environment
• The investments available
• Investment sector performance
• Taxation position of investments
• Your taxation position
• Fund manager performance
• Social security issues
• Investment performance
• Re-balancing the portfolio
• Pending government legislation

All of these variables can change over time and can have a significant impact on the suitability of your investment portfolio. Investing is a serious business requiring on-going advice from a dedicated adviser. We call this service the Bridgeport Client Care Program.

THE FEATURES OF OUR MONITORING, ADVISORY & REPORTING SERVICE

1. Recommendation of changes to investments if and when we believe they are necessary, due to changes in personal circumstances, your plans, taxation laws, inflation, government regulations, investment product changes or economic conditions
2. Implementation of recommendations or changes to a portfolio in a quick, efficient and effective manner
3. Access to advice about a wide range of financial matters (e.g. insurance, loans, and pensions) either via telephone, in person or in writing at any time
4. Regular reviews to ensure that financial plans stay on target, that personal needs have not altered and that portfolio growth is within established targets
5. Provision of regular quarterly newsletters and invitations to seminars covering the important financial and investment then current and other specific issues relevant to you
6. Referrals to other professionals within Bridgeport Financial Services, accounting or taxation specialities as and if required

The Bridgeport Client Care Program is essential to maintaining and improving our clients’ financial position over time, and will add real value to your portfolio and lifestyle over time.

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