This document summarizes the services provided by Saracens Wealth Advisors, a financial planning firm. They offer personalized financial advice to help clients understand their unique needs and goals in order to develop tailored strategies. Their advice is intended to create, manage, and protect client wealth through a long-term partnership approach. They aim to provide objective and unbiased recommendations in the best interests of their clients.

1. Think.
Create.
Inspire.
Change.
Partnership Program

2. We’ll partner with you to know and understand your unique
individual needs, identify opportunities and strategically plan for
your journey ahead.
Our premium financial advice is uniquely designed to integrate with
your living values which ensure you are at the centre of our financial
design. Strategically developed, our advice is tailored to create,
manage and protect your wealth.
In partnering with us, take comfort knowing that we’re well placed
to provide you personal, relevant and beneficial advice which is all
about you.
As circumstances change, we’ll proactively keep looking ahead to
ensure your financial solutions stay attuned with your unique needs.
Our unique partnership is with our most valuable asset, you.
OUR
PROMISE
TO YOU
We are strong believers that planners should be remunerated for
tailored strategic advice that is not tainted or influenced by product
manufacturers or product sales.
With our client focused values, we believe in value driven, long
term, relationship style financial planning which allows us to truly
understand the needs and priorities of our successful partnered
clients.
Our strategic focused advice offers our partnered clients unbiased,
independent and objective advice designed in their best interest.
The boutique nature of our practice gives significant added
advantage to our selected clientele with financial planners who are
best placed to build successful long term relationships with our
partnered clients. Our practice size truly allows us to get to know
and understand our partnered clients’ financial needs in detail and
the objectives that are most important to them.
We believe that planners should concentrate on their core
competencies which are what they do best and outsource their
non-core competencies to experts in their respective fields.
This practice ensures that our partnered clients receive ‘best of
breed’ advice across all areas which is truly in the best interest of
our partnered clients.
OUR ADVICE
PHILOSOPHY
The role of financial planning is about implementing and reviewing
regularly, a balanced financial planning strategy which will build,
maintain and protect your wealth in line with your current needs,
goals and objectives for now and into the future.
Firstly, let’s understand the difference between ‘active’ and
‘passive’ income.
• Active Income – This represents our employment years
from (0-65) and the income which we are paid through our
employment. This is referred to as ‘active income’.
• Passive Income – This represents our current capital base
where our assets are working for us to fund a ‘passive’
income. This is generally from the age of 65 onwards,
however this may be earlier depending on your preferred
age of retirement.
The Saracens financial planning timeline helps you visually interpret
the role of financial planning and importantly, understand the
reaction of your capital base in retirement when you rely on it as a
passive income source.
Understanding your capital base requirements in retirement to fund
your ongoing passive income will dictate what advice you need
today and ongoing to achieve this.
Once you cease receiving an active income from paid employment
you are reliant on your capital base to supplement this for a passive
income.
In retirement you will predominately rely on your capital base to
support your lifestyle and there are several ways your capital base
can respond from a passive income draw down:
• Positive Growth – Your capital base at retirement funds
your required passive income and continues to appreciate in
value.
• Neutral Growth – Your capital base at retirement funds
your required passive income and remains relatively neutral
in growth.
• Negative Growth – Your capital base at retirement funds
your required passive income and depreciates in value.
THE ROLE OF
FINANCIAL
PLANNING
Capital Base
Age 0 Age 65 Age 72 Death
Positive
Growth
Neutral
Growth
Negative
Growth
Negative
Growth
EstatePlanning

3. THE
SARACENS
PARTNER
ADVICE
PROCESS
We understand that our most important and unique
partner is you.
The Saracens partner advice process provides us with valuable
insight to methodically and efficiently work through issues that
directly affect you, allowing for customised and personalised
strategic advice that is most appropriate to you.
Our advice process is defined by Saracens ‘values based’
philosophy which identifies your priorities relative to their
importance to you. This is underpinned by our understanding of
your personal needs, goals and objectives.
• Understanding how we work with you.
• Understanding you and your unique values, goals
& objectives.
• Discovery.
• Identifying gaps, options and scenario testing.
• Advice presentation and implementation.
• Annual Planning.
THE ROLE OF
FINANCIAL
PLANNING
Continued
Which direction your capital base moves in retirement depends on
several factors including:
• The initial size of your capital base when you transitioned
from an ‘active’ to ‘passive’ income and it’s ability to fund
the required level of ‘passive’ income from investment
income and growth.
• Diversification of investable assets.
• Your current investment risk tolerance and how it relates
to your longer term goal of funding your passive income.
• Ad-hoc draw downs.
As with all great planned ‘wealth creation’ strategies there needs
to be a great ‘risk management’ strategy to fund the unplanned.
It does not matter how great a ‘wealth creation’ strategy is if you
do not have an adequate ‘risk management’ strategy in place to
protect it from unraveling.
Therefore, it is prudent to ensure that you have an adequate ‘risk
management’ strategy in place in the event of death, disability and
sickness or injury to protect your existing assets, future earnings
and lifestyle.
Family
Lifestyle
Health
Career
Business
Dreams
Community
Retirement
Money &
Investments
Inheritance
Estate
Plan
You
Getting
to know and
understand
you...

4. Saracens Investment Fundamentals
• Investment risk is only sought to achieve your long term
goals. Therefore, if we can achieve your long term goals by
investing in cash, we will.
• Diversification across investment strategies, assets and
investment managers leads to more consistent investment
outcomes.
• A proactive long-term approach should be used to achieve
long-term financial goals. Reacting to short-term market
volatility can wreak havoc on your investment and your long
term goals.
• Sound, extensive research is the only dependable way to
identify exceptional investments, investment managers
and build robust investment strategies. Brand and
past performance are unreliable predictors of future
performance.
Saracens Core Solution
The Saracens Core Solution utilises a single core investment fund
which is generally a diversified multi-manager fund. The objective is
to grow wealth with a predictable level of volatility and is designed
to be a complete solution to meet an investor’s financial goals.
This investment solution has a single core investment with low
involvement and low investment cost. This core investment is fully
diversified across different asset classes and fund managers are
purposely chosen with different investment styles and investment
philosophies.
The Saracens Core Solution is commonly known as a ‘manager
of managers’ investment approach and is ideal for investors who
would like a low cost solution with stable returns.
Saracens Core + Satellite Solution
The Saracens Core + Satellite Solution invests into a single core
fund which is generally a diversified multi-manager fund with
additional satellite fund(s).
The aim is to grow wealth with an expected level of volatility from
the core fund with additional volatility from the satellite fund(s). The
objective is to provide stability to the investment portfolio from the
core fund with added exposure to specific asset classes from the
satellite funds to seek additional returns. The satellite funds are
generally active style fund managers which may focus on current
trends for greater risk and return.
This investment solution has medium involvement and medium
investment costs. The satellite portion of the fund is designed to
provide greater volatility within an investment portfolio for investors
who are willing to take on additional risk in exchange for potentially
higher rewards.
The Saracens Core + Satellite Solution is ideal for investors who
have some investment experience and would like returns consistent
of a core portfolio with the additional volatility of the satellite fund(s)
in exchange for greater rewards.
Saracens Fully Flexible Solution
The Saracens Fully Flexible Solution invests through individually
handpicked investments from a range of investable assets from all
asset classes.
This investment solution is fully customisable and tailored to achieve
your desired risk tolerance and portfolio volatility. It generally has
high involvement and high costs.
The Saracens Fully Flexible Solution is ideal for experienced
investors who would like a highly customised investment portfolio.
SARACENS
INVESTMENT
PHILOSOPHY
HighInvolvementLowInvolvement
Fully Flexible
Core + Satellite
Core Solution
High EfficiencyLow Efficiency
- Flexible Approach
- De-constructed
- Tailored Approach
- Part Implemented
- Low Involvement
- Fully Implemented

5. As you move through life, your unique financial plan will evolve
over time and traverse across many different strategies. Your risk
management strategy is one such strategy which will evolve as your
life situation changes and require consistent review to ensure it
appropriately reflects your situation at any given stage.
A risk management plan is crucial in the event of a ‘what if’
scenario and can be put into action to minimise or circumvent the
financial consequences of sickness, injury or even death.
It is imperative that you have a sound understanding of the financial
consequences of short or long term sickness, injury and untimely
death and the affect on you and your family’s long term lifestyle and
financial objectives.
Ignoring the threat to your financial situation should no income be
paid to your household as a result of sickness, injury or death could
prove financially devastating and detrimental to your financial plan
and consequently your family. An appropriate risk management plan
can assist in mitigating these financial risks.
Understanding and identifying a strategy to fund your ongoing
household expenditure so that you can continue to meet you or your
family’s obligations such as mortgage repayments, car repayments,
school fees, general expenditure (food, utilities) etc is just as crucial
as the wealth creation strategies that are put in place to build your
wealth.
So that you can continue to meet your obligations, the funding
mechanisms that can be used may be the outsourcing of financial
risk to insurers via personal insurance or utilising your existing
assets (i.e. strategically selling down assets if you have them).
Saracens Risk Management Fundamentals
Saracens risk management philosophy includes the following
fundamentals:
• Long Term Solutions - Our analysis takes into account
what is most important to our partnered clients, the
financial resources at their disposal and their life stage.
This information gathering ensures that our planners are
able to structure solutions that are maintainable over the
long term.
• Benefits, Features and Definitions - Saracens planners
meticulously select policies for their benefits, features
and definitions that are relevant to their partnered client’s
circumstances. Policies must be market competitive
both now and into the future and relevant to our
partnered client’s circumstances. Policies with the above
characteristics and a history of upgrading benefits to
existing policy holders are given preference.
• Structure and Ownership - Flexibility in structuring
ownership, premiums and coverage terms can add
significant tailoring of protection to the client’s personal
situation. A preference will be given to the policy that
can provide the best tailoring in structure to the client’s
particular situation and allow for greater coverage and tax
efficiency.
• Claims - A claims philosophy and process determines the
ease and speed with which a client receives claim proceeds.
A process that provides a ‘how can we pay the claim’ rather
than ‘how can we decline the claim’ philosophy will be given
preference.
• Financial Strength - The Financial Strength of an insurer
protects against ‘business risk’. This is the risk that the
insurer may collapse or sell off the client’s insurance
pool due to failings in capital market investments and/
or business operations. The implications may include the
closing of insurance pools and potential loss of upgrades
to the client. As such, a strong preference is provided
to insurers with the highest Standard & Poor’s financial
strength rating.
• Sustainability - A larger insurance pool (policy series)
provides greater protection from future premium increases
due to ‘spikes’ in claims. With our focus on long term cover
for long term needs, a preference is provided to cover with
a track record of providing consistent premiums rather than
large premium increases.
SARACENS
WEALTH
PROTECTION
Pre-Family
High
Retirement
Low
Family Pre-Retirement Active Passive Care
Human Capital
$
Age 25 Age 65 100
Capital Base
$
The graph above illustrates over time your changing financial risk management needs. As you age, your Human Capital reduces (which is your ability to actively earn an
income) whilst your Capital Base increases (savings, investments, reducing debt). Protecting your Human Capital is crucial to ensure you or your family’s Capital Base is
not negatively impacted in the event of death, sickness or injury. Protecting your assets and future income is generally most effectively managed via personal insurance.

6. Suite 115 / 89 High Street
Kew VIC 3101
phone | 1300 662 699
fax | 03 8610 1939
email | info@saracens.com.au
web | www.saracens.com.au
As a client of Saracens you have committed to being open to
receive advice as you wish to make a genuine change in your life
and in doing so you require financial direction and leadership to
enhance your current financial situation.
We believe that to achieve the most out of any financial advice
you receive you will need to commit to the financial strategies and
where required amend your behavior towards managing money.
As a client of Saracens you are a firm believer in the value and
benefit of financial advice to achieve what is really important to you
and your family.
As a client of Saracens we are committed to working closely
with you to understand, develop, strategise and provide ongoing
support and leadership to ensure that in line with your core values
you achieve not only your desired goals and objectives but a level
of emotional security and comfort that ‘everything is going to be
alright’.
As a fee-for-service private advice firm who specialise in building,
maintaining and protecting the wealth of many successful people
and their families, we are passionate about providing our clients
appropriate strategic financial advice which delivers true value and
benefit.
As a family business we understand the need to define your
emotional needs as well as your financial needs.
A common theme identified by our clients is the need to plan for
financial security; without security and understanding of the future
they feel vulnerable and directionless.
We truly believe that financial security is gained from understanding
your emotional attachment to the value of money and what it means
to you and your current situation. Understanding your emotional
concerns and what the value of money means to you provides us
with valuable insight to customise your financial strategy which
meets seamlessly your defined goals and objectives.
In understanding this, the true value of financial advice may take
several years to transpire and therefore we are strong believers in
formulating a partnership with you to regularly review your current
financial strategy to ensure it remains appropriate for you.
Saracens believes fundamentally that our financial leadership
provides direction and education to be more efficient money
managers which empowers our clients to be confident yet
calculated in their approach to achieving what is truly important to
them.
ABOUT YOU
ABOUT US
This advice may not be suitable to you because it contains general advice that has
not been tailored to your personal circumstances. Please seek personal financial
advice prior to acting on this information. Saracens Wealth Advisors Pty. Limited ABN
12 150 432 198 trading as Saracens Private Wealth is an Authorised Representative
of GWM Adviser Services Limited, ACN 002 071 749 an Australian Financial
Services Licensee with its registered office at 105-153 Miller Street North Sydney
NSW 2060.