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Adviser Profile
CB Financial Pty Ltd
ABN 84 120 482 313
Level 18, 307 Queen Street, Brisbane
GPO Box 3223, Brisbane QLD 4001
4 April 2011
This Adviser Profile is Part 2 of the Guardian Financial Planning Financial Services and
Credit Guide and should be read in conjunction with that document.
Adrian Milham Adv Dip (Bus Mgmt), Dip FS(FP)
Financial Adviser
Phone 1800 674 348 Fax (07) 3012 8399
Email adrian.milham@cbf.ascenta.com.au
Adrian Milham is authorised to provide
you with advice in the following areas:
Deposit and Payment Products
Life Products
Interests in Managed Investment
Schemes including Investor Directed
Portfolio Services
Superannuation
Qualifications and Experience
Adrian joined CB Financial in 2005,
working initially in client service and
paraplanning roles. He became an
Authorised Representative of
Guardian Financial Planning in
October 2009.
Adrian holds an Advanced Diploma
of Business Management, and
Diploma of Financial Services
(Financial Planning).
Adrian Milham
Authorised Representative No. 342607 and
Credit Representative No. 376369 of
Guardianfp Ltd trading as Guardian Financial Planning
ABN 40 003 677 334 AFSL & ACL No. 237641
CB Financial Pty Ltd
Corporate Authorised Representative No. 303961 of
Guardianfp Ltd trading as Guardian Financial Planning
ABN 40 003 677 334 AFSL & ACL No. 237641
www.cbf.ascenta.com.au
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Business Relationships
CB Financial Pty Ltd is part of the Ascenta
Group of companies. This means that if you
require advice in certain specialised areas (for
example, taxation) you may be referred to other
professionals working within the Ascenta
Group.
Guardianfp Ltd is responsible for the advice
which an Authorised Representative provides
in the areas in which they are authorised.
These authorised areas are listed on page one
of this Adviser profile.
Advice provided by others in the Ascenta
Group who are not Authorised Representatives
of Guardianfp Ltd is outside Guardian’s area of
responsibility.
Your Adviser’s Remuneration
CB Financial Advisers are salaried employees
of CB Financial Pty Ltd. They may be eligible
for annual performance bonuses, based on the
performance of CB Financial Pty Ltd that year.
CB Financial Advisers do not receive a direct or
indirect incentive related to the advice they
provide, or the products they recommend, to
clients.
Guardianfp Ltd bonuses available to
CB Financial Pty Ltd
CB Financial Pty Ltd is eligible to participate in
the Loyalty and Production Bonus pooling
outlined in the attached Guardian Financial
Services Guide (FSG) Part 1. The amount of
loyalty and production bonus received is
influenced by the length of time with Guardian
Financial Planning and the percentage of
Gross Revenue CB Financial Pty Ltd
contributes to Guardian Financial Planning’s
Total Annual Gross Dealership Revenue.
Loyalty Bonus
The loyalty bonus percentage is based on a
sliding scale as follows:
Years with Guardian
Financial Planning
Bonus Percentage
0 – 2 years 0%
2 – 3 years 10%
3 – 4 years 20%
4 – 5 years 30%
5 plus years 40%
Production Bonus
The production bonus is based on a sliding
scale of Total Annual Gross Revenue as
follows:
Total Annual Gross
Revenue
Bonus Percentage
$250,000 - $350,000 20%
$350,000 - $500,000 30%
Greater than $500,000 40%
For example, if the Guardian Financial
Planning gross annual revenue is $25,000,000
and the company’s gross revenue is $250,000,
the contribution is 250,000 / 25,000,000, which
is 1% of the total. If the Guardian Financial
Planning annual commission bonus pool is
$200,000, the bonus will be 1% of the pool
($2,000), multiplied by 40% i.e. $800 (loyalty
bonus) plus 20% i.e. $400 (production bonus),
for a total bonus of $1,200. This example is
based on a company which has been with
Guardian for 5 plus years.
Guardianfp Ltd trading as
Guardian Financial Planning
ABN 40 003 677 334 AFSL & ACL No. 237641
Head Office
Level 10, 321 Kent Street Sydney NSW 2000
Telephone 1800 687 620 Facsimile (02) 8275 3232
Email enquiries@guardianfp.com.au
Web www.guardianfinancialplanning.com.au
www.cbf.ascenta.com.au
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