Adviser Profile

Version 1 |16/12/2022.

 

This adviser profile is a summary about me and should be read in conjunction with my Licensee Financial Services Guide. My profile sets out my contact details, professional details, the services and products I provide and how I am paid.

Deborah Heindl | AR number 266858

Heindl Investments Pty Ltd ATF the Heindl Insurance Trust t/a Heindl & Associates | CAR number 313904

ABN 94 516 318 509

Address: Suite 17, 21 Nicklin Way Minyama QLD 4573

Postal: PO Box 425 Buddina QLD 4575.

Phone: 0438 551 518

Email: deborah@herlife.com.au

Your advisers are authorised representatives of DNP Financial Services Pty Ltd.

My qualifications:

  • Diploma of Financial Services (Distribution)
  • Tax (Financial) Adviser registration
  • Member of Association of Financial Advisers

Products I can offer you:

I am authorised to provide personal and/or general advice on and deal in the following financial products:

  • Basic and non-basic deposit products
  • Government debentures, stocks and bonds
  • Life insurance (risk and investment)
  • Managed investments including Investor Directed Portfolio Services (IDPS)
  • Retirement Savings Accounts
  • Securities
  • Superannuation 

How you are charged for services and adviser remuneration

The cost of providing a financial product or service to you will depend on the nature and complexity of the advice, financial product and/or service provided. Generally, whenever I provide a recommendation for a financial product or service, I will be remunerated through either:

  • An initial fee for service
  • An ongoing fee for service
  • A contribution fee or implementation fee
  • Commission payments from product providers where applicable
  • A combination of any of the above.

Prior to preparing any advice or providing financial services to you, we will discuss and agree upon all fees that will apply.

My service fees

 

Hourly rate (or part thereof)

$275

Advice and/or implementation fee

Up to Up to $11,000

Ongoing retainer

(Fixed fee based on service package)

 

(Percentage charge of funds under management)

 

For example, if your portfolio is for $100,000 you will be charged $1,100 p.a.

Capped for amounts greater than $1,000,000.

 

 

Up to Up to $11,000 pa

 

1.1% pa

 

1.0% pa up to $500,000

0.50% over $500,000

 

How commission and other forms of remuneration/benefits are calculated

Where an insurer pays a commission, this may be up to 60% of your initial premium and then up to 33% of your ongoing premium. For example, if your premium is $1000 your adviser would receive $600 initial and $300 in ongoing commission.

I receive a salary from Heindl Investments Pty Ltd ATF the Heindl Insurance Trust t/a Heindl & Associates and may also receive a management fee or distribution of profits from Heindl Investments Pty Ltd ATF the Heindl Insurance Trust t/a Heindl & Associates and/or DNP Financial Services Pty Ltd. The amount of my salary is dependent on a range of factors including my experience, skills and professional standards. I am a Director of both of these entities.

The exact amounts of any fees, commissions, bonuses or other incentives received by DNP Financial Services Pty Ltd and me will be disclosed in your SOA or ROA. Fees and commissions are paid to DNP Financial Services Pty Ltd in the first instance who then pay your adviser/s.

Do I have any referral arrangements, conflicts of Interest or related parties that affect your advice?

CAR and I have referral arrangements in place with a range of specialist businesses as this allows me to refer you to other professionals in areas that I do not practice in.

Should you be referred to us by one of those specialists such as an accountant, mortgage broker or solicitor, that third party may receive a fee for the referral. You will receive more detailed information concerning any referral fee in your SoA or other relevant document.

I do not receive referral fees personally from any party.

Neither your Adviser nor the Licensee have any association or relationship with the issuers of financial products or third-party service providers that might reasonably be expected to be capable of influencing them in the provision of financial services to you.

Heindl & Associates and I are related parties to:

  • DNP Financial Services Pty Ltd as we are shareholders and controllers of the licensee as described above in the benefits section.

Questions?

Please ask me to explain anything you do not understand in my adviser profile or FSG.

 

 

 

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