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ParaplanIT · Secure & Confidential
1
Personal
2
Assets & Liabilities
3
Income & Expenses
4
Insurance
5
Goals
6
Risk Profile
👤
Personal Details
Fields marked ★ are required
Who is completing this form?
Client 1 — Profile
Partner — Profile ✦ Partner
Health Details
This information helps your adviser assess your insurance needs accurately.
Children / Dependants
Add all financially dependent children. Leave rows blank if not applicable.
Full Name
Date of Birth
Financially Dependent?
🏠
Assets & Liabilities
Properties, mortgages and rental income captured together — one card per property
Each property card captures value, mortgage details and rental income in one place. The rental question only appears for Investment Properties. If you are renting and don't own property, tick the box below instead.
Properties
Superannuation
Fund name and estimated balance only — your adviser will gather full super details separately.
Super Fund Name
Owner
Estimated Balance
Notes
$
$
Other Assets
Description
Owner
Estimated Value
Notes
$
$
$
Other Liabilities
⚠ Do not enter mortgage details here — those are captured on each property card above. This section is for credit cards, personal loans, HECS and other debts only.
Type
Owner
Outstanding Balance
Monthly Repayment
$
$
$
$
💰
Income & Expenses
Enter gross annual amounts — rental income/expenses and loan repayments are already captured with each property
⚠ Do not enter rental income here — it is captured on each property card in Step 2 so it stays linked to the correct property.
💡 If you entered cash, term deposits, shares or other investments in the Assets section, don't forget to include the income they generate here — select Investment (Interest / Dividends) for interest and dividend income.
Income
Income Type
Owner
Annual Amount
Notes
$
$
$
Expenses
💡 Not sure of the breakdown? That's completely fine — just enter a single total figure for General Living and leave the rest blank. Your adviser can work with that. Loan repayments are already captured with each property in Step 2.
Expense Type
Owner
Annual Amount
Notes
$
$
$
Additional Notes optional
🛡️
Life & Personal Risk Insurance
This is about life, TPD, trauma and income protection — not home, car or contents insurance
This section is for Life Insurance only — we're looking for policies that pay out if you die, become seriously ill or injured, or can't work. This includes:
Life — lump sum paid on death · TPD — lump sum if permanently disabled · Trauma — lump sum on serious illness (e.g. cancer, heart attack) · Income Protection — monthly benefit if you can't work due to illness or injury
These policies are held either personally in your name or inside your super fund (often without you realising).
If you're unsure, just enter the insurer name or the super fund — your adviser will look up the rest of the details directly.
Insurer
Owner
Cover Type(s)
Cover Amount(s)
Annual Premium
IP Details
$
$
Waiting Period
Benefit Period
$
$
Waiting Period
Benefit Period
$
$
Waiting Period
Benefit Period
Additional Notes optional
🎯
Goals & Reasons for Seeking Advice
There are no right or wrong answers
⚠ The following starred fields were left blank
Your adviser may follow up to collect these. You can still submit now, or go back and complete them first.
Section
Missing Field
📊
Investment Risk Profile
There are no right or wrong answers — choose what best reflects how you feel
Score
Client 1
Client 2
Your liquidity requirements — having access to your funds
1. Apart from any short-term and ongoing needs for access to cash, how long do you envisage it will be before you require access to most of your funds?
Your investment experience
2. How familiar are you with investment markets?
Your attitude to risk
3. How comfortable are you putting your initial investment at short term risk to achieve a potential higher level of longer-term return?
Your investment objectives
4. What do you want to achieve from your investments?
Your concerns about inflation
5. How important is it to you that the value of your initial investment keeps pace with or exceeds the rate of inflation over your investment time frame?
Your concerns about taxation
6. When investing, how important is it for you to minimise your income tax? Bear in mind that tax-minimisation strategies may involve taking some risk with your initial investment.
Your attitude to capital loss
7. How would you react if the value of your portfolio fell by more than 20% in any year?
Your investment preferences
8. Which one of the following best describes your attitude to market volatility when choosing an investment?
Your attitude to gearing
9. Gearing strategies can magnify your gains, but also your losses. Would you be prepared to borrow to invest?
Your Risk Profile Result
Client Risk Profiles
Defensive (Less than 12)
Your investment style suggests you do not wish to take on any investment risk. Your main priority is safeguarding your investment capital, and you are prepared to sacrifice higher returns for peace of mind. Generally, the most appropriate strategy for someone with a defensive risk profile is to invest 100% in income and 0% in growth assets. A defensive approach is usually appropriate for investment terms of one to two years.
Conservative (12 to 15)
Your investment style suggests you are prepared to accept a small amount of risk; however, your priority remains preserving your capital over the medium to long term. Generally, the most appropriate strategy for someone with a conservative risk profile is to invest 80% in income and 20% in growth assets. Conservative investors should be prepared to accept negative returns approximately one year in every 30. A conservative approach is usually appropriate for investment terms of two to three years.
Moderate (16 to 21)
Your investment style suggests you have some understanding of investment markets and their behaviour and are prepared to take short-term risks to gain long-term capital growth. Generally, the most appropriate strategy for someone with a moderate risk profile is to invest 60% in income and 40% in growth assets. Moderate investors should be prepared to accept negative returns approximately one year in every 10. A moderate approach is usually appropriate for investment terms of three to four years.
Balanced (22 to 26)
Your investment style suggests you are seeking a greater growth component in your investment portfolio, with some income to smooth volatility in your returns. Although you remain cautious of taking on extreme levels of risk, your general understanding of investment markets enables you to feel comfortable with short-term risk. Generally, the most appropriate strategy for someone with a balanced risk profile is to invest 40% in income and 60% in growth assets. Balanced investors should be prepared to accept negative returns approximately one year in every six. A balanced approach is usually appropriate for investment terms of four to five years.
Growth (27 to 30)
Your investment style suggests you are prepared to sacrifice short-term safety to maximise the value of your investments through long-term capital growth. However, you do not wish to make unbalanced investment decisions. Generally, the most appropriate strategy for someone with a growth risk profile is to invest 20% in income and 80% in growth assets. Growth investors should be prepared to accept negative returns approximately one year in every five. A growth approach is usually appropriate for investment terms of five to seven years.
High Growth (31 to 35)
The recommendation for high growth investors is to invest 100% in growth assets, typically a larger exposure to Australian and international shares. As high growth portfolios are likely to experience more volatility than other portfolios, high growth investors should be prepared to accept negative returns approximately one year in every five. A high growth approach is usually appropriate for a term of investment of more than seven years.
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