Who Are We?

Refund Easy Pty Ltd is a wholly owned Australian company established by Darryl Jopling who is a CERTIFIED FINANCIAL PLANNER^TM, CFP.

At Refund Easy we provide a broad range of financial planning advice and services and work by the motto of "It's all about choice"

• It's your choice to invest with or without financial advice.
• It's your choice whether you want to have trailing commissions refunded to you or whether you want to use these to pay for advice.
• It's your choice how often you want to seek advice.

We want to work with you to meet your financial goals, whatever they may be.

As a CERTIFIED FINANCIAL PLANNER^TM I understand the value advice can bring to clients, but I also understand some clients like to do their own thing with just a little bit of help along the way.

At Refund Easy we charge a fixed price fee for service for our financial planning advice and then give you the choice of how you would like to pay for it. You can pay up front by cheque, by commission or a combination. The important consideration for us is that you get value for the money you pay.

We have forms you can download on the web site to start the services you choose to use. Whilst we are currently based in Melbourne, by completing the relevant forms we can assist you no matter where you are in Australia. To make working with us even easier we have a 1300 phone number so any call will only cost you a local call.

Please call us on 1300 992 889 or email me at info@refundeasy.com.au with any questions you have.

Who we are licenced with.

Guardian Financial Planning is one of Australia's leading advisory groups, with around 150 advisers nationally. Established in 2001, we are a large, boutique advisory group which looks after the financial needs of over 130,000 clients Australia-wide. We offer complete financial planning services, with a special focus on providing life risk advice.

Our clients include people at all stages of life - regardless of the end goal, everyone can benefit from financial planning.

Guardian Financial Planning is a principal member of the Financial Planning Association of Australia and hold Australian Financial Services Licence No. 237641.

Guardian has the benefit of being small enough to personally know its advisers, yet big enough to have financial security and stability. Guardian is owned by Asteron Limited and is part of the Suncorp Group, a leading insurance and financial services organisation, incorporating many well-known companies including Suncorp Metway Bank, Asteron Life, AAMI and Australian Pensioners Insurance Agency.

The Suncorp Group is one of the top 20 companies listed on the Australian Stock Exchange and employs around 17,000 people.

Why choose a Guardian Adviser?

Guardian Financial Planning has been designed specifically to attract talented, dedicated advisers whose primary aim is to do the best for their clients. Advisers of this caliber understand that to consistently provide their clients with high quality advice they must have the right people supporting them behind the scenes. So at Guardian that's what we do. Guardian gives its advisers the support, resources and services they need to perform at their best.

Institutional backing. One of the big benefits of getting professional financial advice is the comfort it provides knowing you're in expert hands. Knowing that Guardian Financial Planning is part of the Suncorp Group, one of Australia's top 20 public companies by market capitalisation simply adds to that level of comfort.

We stand for sound financial advice and uncompromised integrity.

Our commitment to you as our Client

We will provide sound financial advice based on our understanding of your circumstances and goals as you tell us - uncompromised by the pursuit of personal gain.

We will only recommend products from our approved product list and are under no obligation to recommend products connected with the Suncorp Group.

We will ensure our services:

• are appropriate to your needs
• look after your best interests and
• are always in accordance with the law.

We will always conduct our business with fairness and integrity and in a professional manner. We will inform you in writing of the basis of our advice, the risks you face, the costs of protecting you from those risks and the basis of our remuneration.

In order to be able to offer you advice that is relevant to your circumstances, we will ask you to share information about yourself. We will deal with this information only for the purposes of providing those services and in accordance with our Privacy Statement.

If agreed with you, we will periodically review the strategies we have agreed to implement for you. This ensures they continue to meet your changing needs and that the services provided continue to be relevant.

Our services to you will be provided to the best of our ability, with care and diligence. We undertake professional development and ongoing education to ensure we stay up to date with changing legislation and product innovation. Where we do not have the ability to provide the services you need, we will inform you of this so you can obtain those services from the appropriate professional source.

If you are not satisfied with our services, we will provide you with a fair process to resolve any differences we may have.