“Significantly increase your Adviser Fee Revenue

from your existing Clients!”

Introducing ‘Mycache FINANCIAL CLARITY’?

Mydomaine has developed a B2B ‘packaged solution’ for Financial Planners aimed at significantly

increasing their Adviser Fee revenue. By providing your Clients a scaled advice strategy around

improving their retirement income with a Debt Reduction plan, enabling a preservation of their funds

held in Superannuation and an acceleration in Super funds growth through contributions over & above

their superannuation guarantees from their Employer;

With the financial planning tools provide by our MONEY MANAGER and the exclusive service offering a fee-for-service, MONEY BACK MORTGAGE;

‘Mycache FINANCIAL CLARITY’ enables a Financial Planner to significantly write more Advice Fees with Client engagement in the areas of:

Debt Structuring I Debt Reduction I Cash flow Management Budgeting & Saving I Retirement Income

‘Mycache’ provides a powerful and engaging experience for the astute Home Owner or Investor,

empowered by their trusted Financial Adviser with sound, personal financial advice & mentorship; the

focus is on a ‘supercharged’ strategy of debt reduction to pay their Home mortgage off years sooner,

enabling them to increase their Super contributions, whilst still having years remaining in the

workforce.

The ‘Mycache FINANCIAL CLARITY’ business solution provides ONLY accredited, licenced Advisers with;

Training & On-boarding facilitation

‘White Labelled’ Presentation & Marketing Collateral

Planning Advice Tools (including ‘Mycache MONEY MANAGER’)

Statement of Advice Templates/Para-planning services

‘MONEY BACK MORTGAGE’ Cost Benefit Calculator

Exclusive access to the ‘MONEY BACK MORTGAGE’

Priority assistance from your dedicated Mydomaine MONEY Finance Manager

Credit Product Advisory support and loan implementation by Mydomaine Money

‘Mycache’ MONEY MANAGER

Our ‘Mycache’ MONEY MANAGER is a unique cloud-based platform with mobile App that keeps the

Client and Adviser in touch with every transaction – every day. The data aggregation software ‘scrapes’

all of your Clients accounts (back 365 days) and links with CoreLogic Property records. Its ‘artificial

intelligence’ learns what, when they receive their income and on how, when & what they spend. It

will automatically apportions their spending into categories and will help set savings targets and

financial goals that can be mentored with on-going financial care from their Adviser.

The ‘MONEY MANAGER’ uses real-time data, responding to daily spending behaviours and then

predicts when set goals (like paying off the Home Mortgage) will be achieved or budgets will be

exceeded.

Your Client conversation starts with introducing the benefits of a Mydomaine

‘MONEY BACK MORTGAGE’?

Flat, Credit Advice Fee (irrespective of Loan value) – 100% Commission Rebate to Borrower

As ‘MONEY BACK MORTGAGE’ involves elements of advice that, under the Credit Act, are prohibited from being delivered by a Credit Licensee or their Credit Representatives as it incorporates finance advice and financial products, we have mandated that our ‘MONEY BACK MORTGAGE’ must be presented/referred to Mydomaine Money by ONLY ‘Mycache’ accredited Financial Service Providers licenced to offer advice in the areas of;

Debt Reduction & Debt Structure

Cash flow Management, budgeting and saving Superannuation

Traditionally mortgage brokers are paid by the bank with ‘upfront commissions’ AND ongoing trailing commissions for the life of the loan or if you go straight to the bank those broker commissions are kept by the bank. Mydomaine Money works with a ‘best interest duty’ to its Clients; and how this works is quite simple, we give the Borrower all of the broker commissions and just charge a flat Credit Advice Fee to implement and settle a mortgage. You can view our Explainer Video here:

What is a MONEY BACK MORTGAGE?

The Cost Benefit of ‘Mycache FINANCIAL CLARITY’ & a ‘MONEY BACK MORTGAGE’

The cost benefit to the Borrower of a ‘MONEY BACK MORTGAGE’ (for an average size home loan in WA of $422,000, calculated over 30 years at an average long-term interest rate of 7%) is an interest cost saving of $43,800, resulting in a reduction of loan term of 2.0 years.

With ‘Mycache FINANCIAL CLARITY’, your advice and mentoring your Client on strategies of cash flow management, budgeting and saving the cost benefits are greatly improved.

By example, with the Borrower just saving $500 per month, using a ‘MONEY BACK MORTGAGE’ they will pay their Home off 11 Years sooner saving even more - $244,400 in interest Costs!

Being mortgage free, your Client has more than 11 years of monthly repayments no longer required & now has $377,000 in after-tax dollars that can be invested into their retirement strategy.

Strategy, Advice & On-going Financial Care that delivers your Clients’ Financial Goals

Applying these savings to a ‘Contributions to Super’ strategy so as to improve retirement income, the graph below demonstrates, your Clients can save post-mortgage $377,000 in having no loan repayments. Contributing these savings to their Super funds they will have improved their Retirement Funds by $824,381 – A total benefit to your Client of more than $1,200,000.

The ‘Mycache’ FINANCIAL CLARITY programme, provides you with the planning tools and advice to provide both your existing and new Clients with a service rarely offered from within the Financial Planning industry.

See how you could be writing new Advice Fees to your existing clients, totalling hundreds of thousands, without any new skills or AFSL accreditations!

The ‘Mycache’ FINANCIAL CLARITY programme is being offered to like-minded Financial Planners on an affordable, exclusive ‘seat-licence’ basis.

We invite you to meet and discuss this industry leading initiative. To arrange a time for us to present this opportunity to you, please contact Shelley on (08) 3680 450 or email shelley@mydomaine.com.au

Warm Regards

GREG CLACK Managing Director

Mydomaine Group

“$215,000 in Advisers Fees written for my existing Clients in just 3 Months”

The life-time earnings for the average Australian ranges between $2.13M and $3.78M [1], generally dependent upon the workers number of years within the workforce and their level of qualification.

Today, the average home mortgage of $422,000 [2] will cost more than 30% - 40% of the home-owners total gross life-time earnings to pay off. Resulting from this debt burden, the average Australian saves just $427 per month.[3]

It’s fair to say then, that the most valuable advice a one could adopt would be to buy a home you can safely afford but then work hard to pay that debt off as fast as you can. Why? Because more than half of the cost of servicing that mortgage is interest paid to the Bank and by just making the Principle & Interest repayments it will take three quarters of your working life to pay off.

Why is it then that only 20% of people seek financial advice from Advisers/Planners and only 40% used the internet as a source of informing themselves about financial matters? [3]

The “ANZ Survey of Adult Financial Literacy in Australia (2014)”, suggests that one in five people are poorly equipped to make a [financial] decision.

Brett Catterall, Group General Manager and Senior Adviser, for Mydomaine Wealth points to his belief, that aside from the matters of consumer trust in the profession, they place much of their decision making in engaging a financial adviser to their perceived cost-versus-benefit and relevance of the advice, today.

“Consumers see risk insurance only as a “necessary evil” and the present value of their Superannuation as having almost esoteric value only.”

He goes on to say, “that when asking clients to describe their largest and most important goal, it’s to rid themselves of their mortgage – to be debt free, before retirement.”

“The ‘Mycache FINANCIAL CLARITY’ & ‘MONEY BACK MORTGAGE strategy has enabled me to significantly increase the revenue from my existing Client base in the past 3 months, alone.

Debt and Cash flow management strategies were always touched upon with my Clients but were rarely included within my Statements of Advice as a tangible strategy to which I apportioned any significant value to within my Fee-for-Advice to my Clients.

The Mydomaine ‘MONEY BACK MORTGAGE’ strategy and the ‘Mycache MONEY MANAGER’ has provided to me the tools to engage with my Clients in a new and valuable way. Conversations around strategy to assist my Clients pay off their mortgage much sooner [saving them thousands of dollars in interest costs] allowing them to invest much more of their income into Super contributions and other investments has provide me with a renewed enthusiasm in conducting Client reviews.

“I have a renewed enthusiasm in conducting Client Reviews”.

I have been encouraged to find that my Clients have been actively involved in the discussion and keen to proceed with strategy that they recognise and easily understand; far more so than talk about insurance and the ‘down-the-road’ benefits of Superannuation. Clients see the advice as relevant to them today, something in which they can actively change the performance outcomes and where the benefits significantly outweigh the costs.

My conversions with ‘Mycache’ & a ‘MONEY BACK MORTGAGE’ Debt Reduction advice has been extremely high; Not surprising when the benefits of paying their home off year sooner and improving their retirement income amounts to benefits in hundreds of thousands of dollars!

[1] NATSEM calculation from 2009-10 Survey of Income and Housing Basic Confidentialised Unit Record

[2] Australian Financial Group Ltd Report: December 2015

[3] “How do your savings compare with the average Australian; www.mywealth.commbank.com.au 23 June, 2015. Editor: Benjamin Freeman

Mydomaine Wealth ABN 35 724 597 837 is a Corporate Authorised Representative (467897) of NEO Financial Solutions Pty Ltd ABN 64 141 607 098, Australian

Financial Services Licensee 385845.

Mydomaine Money Pty Ltd holds Australian Credit Licence Number 479558.

Article written by Greg Clack. Greg Clack is the Managing Director of the Mydomaine Group