When you can't see the forest for the trees, you need a better view.

CUBE IDENTIFY ISSUES & SET OBJECTIVES.

With a Cube Strategic Financial plan, your specific circumstances are diagnosed and the best possible options for growth, security, risk and diversification are identified.

The Cube Financial Group is a stand alone investment advisory not affiliated with any other fund manager or financial institution, that's why Cube can provide an objective opinion and the unbiased advice that so many of our clients appreciate. All Cube Financial advisers are industry qualified and compliant.

ADVISE - CREATE INVESTMENT POLICY - IMPLEMENT - MONITOR & REVIEW

Cube Financial has the necessary qualifications and experience required to navigate the multitude of products and regulations. Cube has the dedication and resources to remain vigilant in the face of continued dynamic change. We not only understand the technology used in financial services, we supply some of it.

Your Cube financial adviser has a conscientious approach befitting the responsibility that managing your money entails and is supported by product specialists in each investment area to ensure that we are constantly evaluating new and existing investment options.

A Cube adviser can help you understand your investment potential, take the mystery out of the unknown and help you to achieve your goal of financial security.

RESEARCH - PLAN - MANAGE - REPORT - COMMUNICATE

The personalised attention of your Cube adviser can release the burden of managing your own investment portfolio. Let Cube help you improve your wealth and free yourself of the compliance and tax reporting issues that disciplined investing demands.

Whether you require a comprehensive plan to take you to retirement and beyond, have short-term goals you want to reach or you simply want to evaluate the options. Cube advisers have the experience and support to make the process clear and effective.

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Planning for your retirement should start immediately as it could make the difference between spending your retirement cruising the Carribean or cruising the shopping malls with discount coupons.

Will you accumulate enough by retirement age to produce a regular income? In retirement, you will need to secure 50-70% of your pre-retirement income to enjoy your current standard of living. How you do that will depend on how you plan today.

Access to your superannuation, tax planning, annuities, allocated pensions, social security payments and income splitting, are just a few of the considerations that await you.

Your Cube Financial adviser can help you calculate your retirement income needs and identify the best approach to the task of securing that income.

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Although investors are better informed than ever, the range of investment options and financial jargon, can still be a little daunting.

Your investment decisions should work around a master plan that consolidates investment goals and income needs. Swinging from one investment to the next without a plan is strictly for the apes.

Ideally this plan should review all aspects of wealth creation and include an education process to ensure that you not only understand the plan, but are also part of its execution.

It has been proven that the correct balance of assets, risk and diversification of products will usually over the long-term, outperform a single investment.

Your Cube investment adviser can assist you to make the most of your money by helping you understand the opportunities and build a strategic investment plan.

We are entirely flexible. Your strategic investment solution will be the result of a comprehensive needs analysis and will have a unique make-up of products, services and management to suit your particular situation.

Managed funds, share portfolio evaluations, partial and comprehensive financial plans are just a part of our investment planning arsenal.

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Cube Financial Group offers an ideal mix of experience, insight and objective evaluation. Cube independently researches the financial products we recommend and although we may be a reseller of other companies' products, we are not affiliated with any other financial organisation. As we are not affiliated with any of the funds we manage, you can be sure that Cube recommendations remain unbiased.

Cube advisers regularly review the performance of mainstream and specialised funds to create a "Cube Recommended" list of the preferred funds in each sector.

Your Cube adviser can assist you in the selection and assessment of a range of investment alternatives such as superannuation, managed funds and listed trusts.

Whether you are looking for a tax effective solution or a highly rated fund for the purpose of long-term growth or short-term leverage, a Cube financial adviser can help you find the best solution for your specific needs.

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A large part of your strategic financial plan may be your superannuation. Your superannuation should not be viewed as a passive investment. It should be a dynamic investment, actively managed to maximise its potential through prudent participation in approved investment alternatives.

More investors are exploring the option of managing their own superannuation for reasons of tax minimisation, control of their funds and flexibility.

Those setting up a Do It Yourself Superannuation Fund are required by Law (SIS Act) to have investment knowledge, a risk management plan and a comprehensive investment strategy.

The Cube Financial Group has customised packages available to help set up, manage, audit and maintain your own super.

Packages include:

• Setting up a superannuation fund
• Devising an investment plan and goals
• Structuring and managing a risk strategy
• Providing Education to meet competent investor requirements
• Facilitating and organising the annual audit of your super fund.

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Money does grow - but not on trees and not without vigilance, attention and discipline. Sound advice will help you increase your returns. Strategies such as rebalancing and diversification may help you increase your potential to maximise income tax benefits, adjust for inflation and manage risk. This is especially relevant to investors who choose to manage their own superannuation fund, which is subject to stringent legal requirements.

The Cube Client Review Service is an additional level of service offered by your personal financial adviser.

The Client Review Service operates for an initial period of one year and is renewable for periods of one year at your choice and on the payment of your retainer fee.

There are two levels of service available so more active investors can get more information, more often.

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• A formal strategic review of your financial circumstances annually
• An invitation to a formal portfolio review six monthly or, if preferred a written six monthly portfolio valuation
• Personal consultation to discuss your financial reports and our recommendations
• Access to selected Cube Financial share market research and analysis and market information
• A designated adviser to individually manage your share accounts and offer active portfolio management strategies
• Introduction to advanced investment opportunities in equities and derivatives
• Access to a selection of Cube Financial educational seminars at no charge
• Your financial adviser will liaise with your other professional advisers such as tax planners, accountants and legal professionals to lend assistance

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• All of the above plus
• Yearly tax reporting on share market portfolio within 'virtual wrap'
• An invitation to a formal portfolio review quarterly or, if preferred a written quarterly portfolio valuation

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Your personal wealth creation and management needs will be different to the next person.

Cube licensed financial advisers can offer expert advice for short and long-term investment strategies and provide comprehensive financial planning and investment advice.

The Cube Financial Group is licensed by the Australian Securities and Investment Commission (ASIC), and is a stand alone investment advisory not affiliated with any other fund manager or financial institution.

Cube specialises in providing personalised solutions that help customers take advantage of the opportunities the financial markets represent.

With this in mind, we are pleased to offer our free specialised 'Wealth Check' to review your specific wealth management progress and objectives.

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• Estimate how well you are positioned to meet your financial goals
• Review your current share market and investment strategies to ascertain your potential for maximum income and or return.
• Assess the effectiveness of your asset management and risk management plan for all of your different assets.
• Help determine if your current financial plan will enable you to achieve your investment goals and objectives.
• Answer your questions and provide insight into your particular financial management needs.

Importantly it is also an opportunity for you to take notes and set action points for your current and/or future financial goals.

To arrange your free personalised Wealth Check consultation with a Cube Financial adviser, call us now on (AU) 1300 65 90 90 (NZ) 0800 55 00 22 or email us at wealthcheck@cubefinancial.com.au

DISCLAIMER: The material in this document and covered in the "Wealth Check" constitutes general information only and does not take into consideration your investment goals or objectives. The "Wealth Check" process does not represent investment advice. The Cube Financial Group recommends all parties seek independent advice pertaining to their situation before pursuing any course of action that may affect their investments.

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