1. Craig Wilford
Financial Services Partner
Career Summary
Craig Wilford is Partner of the Financial Services division at Nexia Sydney. Craig
has had over 21 years experience as an authorised financial planner, both here in
Australia as well as the UK. Craig has been providing holistic advisory services for
clients of Nexia Australia since 2003. His focus is on providing wealth accumulation
and retirement planning advice for individuals, executives and small to medium-
sized business owners. Given his international experience, Craig also assists those
clients with cross jurisdictional issues, whether as expatriates or as non-residents
relocating to Australia.
A member of Nexia Sydney’s internal research committee, Craig not only identifies
potential new investment opportunities but also any existing investments
that could be under-performing and therefore a threat to his client’s financial
objectives.
Craig believes his clients should be well informed and regularly conducts in-
house seminars for new and existing clients on such topics as retirement income
strategies, alternative investment strategies and briefings on the current financial
environment.
Craig has been accredited in the AFR Smart Investor Top 50 Financial Planners
Masterclass for 2008, 2009, 2010 and for 2011.
Experience
Nexia Financial Solutions operates on a fee for service basis, providing the right
environment to ensure Craig is able to customise his strategies, financial solutions
and exercise his experienced advice to suit each individual client’s situation,
requirements and circumstances.
Committed to delivering the best possible level of service, Craig’s broad spectrum
of loyal clients and on-going business referrals is a direct reflection of his expert
advice and strategies.
Qualifications
Certified Financial Planner
Master of Taxation
Bachelor of Business (Banking & Finance)
Diploma of Financial Planning (Australia)
Advanced Certificate of Financial Planning (UK)
Diploma of Finance/ Mortgage Broking Management
Contact Craig
t: +61 2 9251 4600
f: +61 2 9251 7138
Level 16, 1 Market Street
Sydney NSW 2000
e: cwilford@nexiacourt.com.au
au.linkedin.com/pub/
craig-wilford-partner/2/519/90/
Adelaide | Canberra | Melbourne | Newcastle | Perth | Sydney | Auckland | Christchurch
Independent member of Nexia International
■■ Financial Planning
■■ Superannuation
■■ Aged Care
■■ Investment Planning
■■ Retirement Planning
■■ Wealth Accumulation
■■ Centrelink
■■ Debt Consolidation
■■ Insurance
■■ Estate Planning

2. Are you authorised to provide financial
services and products?
Yes. I am an Authorised Representative and Credit Representative
of Nexia Court Financial Solutions Pty Ltd (NCFS). I am authorised
to advise and to arrange to deal in financial services products, on
behalf of Nexia Court Financial Solutions Pty Ltd.
I am a director of Nexia Court Financial Solutions Pty Ltd, which
holds an Australian Financial Services (License number 247300)
and am authorised to advise you on the following services and
products:
■■ Managed Investments
■■ Superannuation
■■ Personal Insurance
■■ Shares
■■ Self Managed Superannuation Funds (SMSF)
■■ Margin Lending
■■ Mortgage Broking
Are there any services you are not
authorised by Nexia Court Financial
Solutions Pty Ltd to provide?
I am not authorised to provide advice or services in the following
areas:
■■ General Insurance (Please ask me if you would like a referral
for these services)
■■ Derivatives
What remuneration, fees, commissions and
other benefits do you charge or receive?
Remuneration
As a part owner of Nexia Court Financial Solutions Pty Ltd., I
share in the overall profits of the company and the wider Nexia
Australia partnership of which I am Partner.
Initial Advice
The initial meeting to discuss your financial circumstances is free
of charge.
At this meeting we will outline how NCFS can assist you and
gather enough information to assess your needs and objectives.
Written Advice
Your financial adviser may charge fees for the preparation,
presentation and implementation of your advice. These fees
will be based on your individual circumstances, the complexity
involved in your situation and the time it takes to prepare
personal financial advice for you.
Your NCFS adviser will discuss these fees with you and gain your
agreement prior to proceeding with any analysis.
Independent member of Nexia International
Nexia Court Financial Solutions Pty Ltd
AFSL 247300
Level 16, 1 Market Street, Sydney NSW 2000
PO Box H195, Australia Square NSW 1215
p +61 2 9251 4600, f +61 2 9251 7138
info@nexiacourt.com.au, www.nexia.com.au
Adviser
Profile
Nexia Court Financial
Solutions Pty Ltd
.

3. Independent member of Nexia International
Nexia Court Financial Solutions Pty Ltd (ABN 88 077 764 222), Australian Financial Services Licence
No. 247300 is an independent New South Wales firm using the Nexia International trademark
under licence. It is affiliated with, but independent from, Nexia Australia Pty Ltd, which is a
member of Nexia International, a worldwide network of independent accounting and consulting
firms. Neither Nexia International nor Nexia Australia Pty Ltd provide services to clients. Liability
limited by a scheme approved under Professional Standards Legislation other than for the acts or
omissions of financial service licensees.
Does my financial adviser receive commissions from
product providers?
Financial Planning Services (other than credit advice and
insurance advice)
Since 1 July 2013, no commission can be paid from new financial
products. If you hold financial products that NCFS established
prior to 1 July 2013, NCFS may continue to receive ongoing
commissions in accordance with your agreed service mandate.
Credit Advice and Insurance Advice
The only exception to this restriction is for credit advice (ie
mortgage broking services) and insurance advice where
commissions can continue to be paid after 1 July 2013. If this is
applicable to your financial situation NCFS will work with you to
incorporate this into your agreed ongoing service mandate.
These costs will be separately disclosed to you before
implementing the recommended products.
Do you provide referrals for certain services
or receive referrals from other parties? If
so, what benefit do you receive from these
referrals?
We certainly arrange for referrals to suitable strategic partners
to facilitate certain aspects of our client’s financial affairs as
required.
I receive no referral fee for introducing my clients to another
provider of services unable to be provided by NCFS.
I conduct my financial planning activities under the registered
name Nexia Court Financial Solutions Pty Ltd.
If you would like to make an appointment to discuss your
financial needs and objectives in more detail, please feel free to
contact me on 02 9251 4600.
What we
provide
for this
investment
NCFS will prepare a financial plan that will
determine the most appropriate financial
structure and investment strategy to achieve
your objectives.
This will include:
1. Analysis of your current position and
objectives
2. Basis for recommended strategy,
structure and investment selection
(including strategy comparison where
necessary)
3. Documented cash flow analysis
4. Estimated taxation projections
5. Tailored portfolio construction analysis
6. Projected capital illustration
7. Implementation of strategy, structure
and investment selection.
Prior to conducting any financial planning services, I will provide
a scope of advice in our client service mandate in which all
expected costs for appropriate financial services are detailed.
Once you are satisfied with the scope of advice documented and
the associated cost, this scope of advice will provide details of
the formal contract. Fees are payable upon presentation of the
agreed Statement of Advice (SoA) document as stipulated in the
client service mandate.
Ongoing Advice
Your financial adviser can provide ongoing advisory services to
ensure the strategy and products they recommend continue to
meet your needs and circumstances.
If you choose to receive ongoing services, you may be charged a
fee based on the scope of the services you receive. Your financial
adviser will agree the amount of the fee with you and record it
in your SoA. This fee may be deducted from your account each
month or payable directly to NCFS. Your financial adviser may
continue to charge the agreed ongoing services fee until you
notify them that you no longer require ongoing services.
Ongoing
Client
Service
Mandate
You will receive ongoing access to our
services throughout the year which includes
the following:
1. Formal meeting to discuss reports or
recommendations including any changes
in your personal circumstances that may
impact on your portfolio.
2. Regular valuations and reports on your
portfolio conducted.
3. Formal review of your financial strategy
to ensure that it continues to meet your
goals and objectives, including a fully
documented report of all issues affecting
your financial affairs
4. Preparation and implementation of
investment recommendations
5. Regular information including current
investment issues, economic conditions
and legislative news
6. Invitation to special client briefings