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Welcome to the PGW Financial Services document and template depository library

If you cannot find a document or template you require please email ben@pgwfinancial.com.au.

SOA & ROAFact Finder & Risk ProfileRegisters & ChecklistsAPL & ResearchAML/CTFApproval & MiscellaneousPolicies

Statement of Advice & Record of Advice

ROA Product Replacement Template

An editable template that can be saved onto your computer. The majority of times you should not give a client a record of advice without first providing them with an SOA. Remember in order to provide the client with a ROA they must not have had a significant change in circumstances and there must not be a significant change to the areas of advice. This template has some additional information and instructions required when providing advice that involves product replacement.

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ROA Template

An editable template that can be saved onto your computer. The majority of times you should not give a client a record of advice without first providing them with an SOA. Remember in order to provide the client with a ROA they must not have had a significant change in circumstances and there must not be a significant change to the areas of advice.

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Superannuation Rollover SOA

An editable template that can be saved onto your computer. Contains instructional text, ensure this is removed prior to issuing to the client. This template should only be used when advising a client to roll over their superannuation.

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SMSF SOA

An editable template that can be saved onto your computer. Contains instructional text, ensure this is removed prior to issuing to the client. This template should only be used when giving advice on SMSF's only.

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Securities SOA

An editable template that can be saved onto your computer. Contains instructional text, ensure this is removed prior to issuing to the client. This template should only be used when giving advice on securities only.

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Risk Only SOA

An editable template that can be saved onto your computer. Contains instructional text, ensure this is removed prior to issuing to the client. This template should only be used when giving advice on risk only.

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Comprehensive SOA

An editable template that can be saved onto your computer. Contains instructional text, ensure this is removed prior to issuing to the client. This template is best when giving advice on investments and/or risk.

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Fact Finding & Risk Profile Templates

Risk Profiler Word Document

Template that can be saved onto your computer, do not alter the risk profile questions in any way. Manually calculate the answers to risk profile questions. Ensure before advising on investments (including within superannuation) that you complete a risk profile for the client.

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Risk Profiler Spreadsheet

Macro enabled spreadsheet which generates a risk profile automatically based on a series of questions. This can be printed off after completion for both the client and advisor to sign. Ensure before advising on investments (including within superannuation) that you complete a risk profile for the client.

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Data Collection Form Risk Only

PDF document to save/print off. Before providing any personal finance advice a client must complete (with your help) this document. This Data Collection Form should be used whenever the client is seeking only risk advice. Always ensure sections that either the client chooses not to complete or are not applicable have a line put through them with a brief explanation of why the section was not completed.

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Data Collection Form

PDF document to save/print off. Before providing any personal finance advice a client must complete (with your help) this document. This Data Collection Form should be used whenever the client is seeking more than just risk advice. Always ensure sections that either the client chooses not to complete or are not applicable have a line put through them with a brief explanation of why the section was not completed.

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Registers & Checklists

Service Election Form

This is a requirement to use if your client if only going to receive general advice or execution services only but can also be used for personal advice clients.

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Client File Checklist

It is an expectation that this client file checklist is used within all client files. All sections must be completed even if the response is N/A.

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Margin Lending Checklist

It is a requirement that for all new margin lending clients the margin lending checklist is completed and maintained within the clients file.

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Opt-out Register

Editable template that can be saved onto your computer. It is a requirement that all advisors have and maintain an opt out register (even if blank). You should enter the details of any client or lead that informs you they no longer wish to be contacted. This includes email newsletters.

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Complaints Register

Editable template that can be saved onto your computer. It is a requirement that all advisors have and maintain a complaints register (even if blank).

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Soft Dollar Register

Editable template that can be saved onto your computer. It is a requirement that all advisors have and maintain a soft dollar register (even if blank). This is for recording any soft dollar benefits you may receive between $100 and $300 in value

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Reading Register

Reading can be maintained within your general training register although this can get messy. We have provided an alternate separate reading register which allows for more accurate details of reading conducted to be recorded. If you maintain this register you are required to submit this when submitting your training register.

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Training Register Example

If you are unsure on how we require your training register to be completed please download this document. All training must be recorded within a training register or on Kaplan.

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Training Register

Editable template that can be saved onto your computer. It is a requirement that all advisors maintain a training register. Most advisors use Kaplan online as their training register, ensure that any non Kaplan training is recorded on this register and the register (if containing entries) is submitted when requested (April 30, August 31, early January).

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Approved Product List & Research

One-off Approval for Product Use

To provide any advice on a product even if it is solely to dispose of a legacy product you must receive approval from the APL. To apply to provide one-off advice on a product, download and complete this form and email to Ben or Jobbe.

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Add a Product to the APL

You cannot provide advice on a product unless it is on the APL, this includes advice to dispose of a product. To apply to the APL, download and complete this form and email to Ben or Jobbe.

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Approved Product List

The most recent APL as dated 29th April 2022 v4.3 You cannot provide advice on a product unless it is on the APL, this includes advice to dispose of a product. To apply to the APL, download and complete this form and email to Ben or Jobbe.

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Anti-Money Laundering / Counter Terrorism Financing

Search Government Databases

As part of your AML investigations you should make a determination if your client is a politically exposed person, part of that is their role and/or they may appear on the consolidated sanctions list. While it may be unlikely your client will appear here it is our responsibility to provide access to this. . There are 2 ways to access the latest infrormation DFAT Software - This downloadable software enables and easy search of available government databases for politically exposed people. Latest Sanction Spreadsheet - Access the most up to date list.

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How to Determine a Politically Exposed Person

This document is a guide if you require some assistance or feel uncertain about what constitutes a politically exposed person.

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AML Risk Classification Worksheet

This template allows you to use a standardised process to classify each client for AML purposes as a High Risk - Medium Risk - Low Risk.

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PGW Anti-Money Laundering Policy

2020 Version of the policy. This sets out the requirements of us, the licensee and you the adviser.

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Approval Forms & Other Templates

Social Media Platform Approval

You are free to use whatever social media platform that suits your business but we require that you submit approval for any new use of social media from 1st March 2019. Please complete the form below and

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Margin Lending - Double Gearing Approval

As a licensee, we do not encourage double gearing but under certain circumstances, this may be in the client's best interest. To learn more about double gearing please read the Margin Lending policy below. To provide advice on double gearing please download the form here and email it to Ben and Kym for approval prior to providing advice.

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Time Critical Authority

If your client requires you, strictly because of their time constraints to both provide advice and deal on their behalf in a financial product then you are required to complete this form and have the client sign this. You will still need to provide an SOA but this can be done 'verbally' at that time and then later in written form as long as it is within the prescribed time frames.

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Fee Disclosure Statement - Worked Example

Updated 1 July 2021 - This is a worked example of the above FDS.

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Fee Disclosure Statement

Updated 1 July 2021 - FDS template to disclose fees paid by a client in an ongoing fee arrangement and get client consent to pay the fees.

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Terms of Engagement

This base template helps to give an idea of what you should be looking at putting in a terms of engagement letter. Having a terms of engagement is considered best practice with clients.

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Service Election Form

This template is a requirement for a client to complete whenever you provide a client with either general or personal advice. It can also be adapted to capture a specific service you offer to the client.

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PGW Financial Services Policies

Life Insurance Policy (Anti-Churn)

Current version - 2020

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Privacy Policy

Current version July 2021 v10 - Please note this is the most recent version as of July 2021

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Margin Lending Policy

Current version - 2020

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Social Media Policy

Current Version - 2020

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Compliance Manual

2018 Version - This outlines all the requirements that an adviser has regarding the law and legislation all in one place. Please note this is a dynamic document and will be updated in the near future, this is still current as of January 2021

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