To understand the dynamics of the investment advice industry it is important to differentiate between product providers (i.e. Fund Manager, Banks, Life Office, Credit Unions and Friendly Societies) and those who give advice.

The product providers offer their products either directly to the public, through their own sales force or establish/invest into their own financial planning business.

The other option is through an independently owned Financial Planner.

The AIOFP believes that the best advice will come from Groups that are independent of ownership by the product providers. An AIOFP member will select the best products that suit your position, not someone else's!

There are no additional charges when seeking advice from an AIOFP member than if you go directly to a product provider.

An AIOFP member will increase your feeling of short, medium and long term financial security:

• An AIOFP member will provide the spread of both fund managers and investment markets that suits your needs.

• An AIOFP member will thoroughly assess your risk profile and then make appropriate recommendations to give you peace of mind.

• AIOFP members do not operate Trust accounts, all investment cheques are made payable directly to the Fund Managers.

• AIOFP members must operate from a comprehensively researched recommended list and carry appropriate levels of professional indemnity insurance to give you peace of mind.

Today's automated world gives full access to global financial information regardless of an Advisers location. Using a State-based AIOFP member gives the following benefits to you and the State:

• AIOFP members operate entirely from your State therefore employing and supporting the local community.

• AIOFP members are acutely aware of the special needs of your State and its people.

• AIOFP members' administration centres are entirely State-based, again employing locally.

AIOFP members are local profession Australian Financial Services Licence (AFSL) holders, the ASIC recognised benchmark in the industry.