Our success will only be measured by the level of significance we have in the lives of our clients. To achieve a high degree of significance, we need to deeply understand you and your objectives (PLAN), present tailored solutions in a consistent and engaged manner (HELP), then review and adjust as your lives and plans change (ACHIEVE). If we remain true to the essence of our vision then we aim to be significant in the lives of those around us.

The Enjoy Factor is being able to fulfil your goals by allowing Provident to take care of your finances and help your dreams become a living experience. Our goal is to allow you to experience more Enjoy Factor moments through the delivery of our services.

Our vision and your Enjoy Factor are the cornerstone of our advice.

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HOLISTIC SERVICE

Established in 1997, Provident is a group of multidisciplinary and experienced financial specialists who work together to provide solutions to individuals, families and businesses.

Our diverse range of specialists means that we can integrate all of your financial needs in the one place. This gives you a holistic, strategic and dynamic direction for your financial future.

INDIVIDUAL FOCUS

In all areas of advice we acknowledge your unique situation. Our advice process starts with your Enjoy Factor. We aim to deliver financial security with a deep understanding of what is important to you.

We will identify and analyse your individual goals and objectives to provide tailored strategies that give you peace of mind and enable you to meet your lifestyle aspirations.

Further to this, it is important to us that your plan remains on track. We keep in contact by providing regular updates and progress reports.

PARTNERSHIP

We help make managing your financial affairs as simple as possible and deliver ongoing support that allows you to make informed decisions every step of the way. It is important to us that you can deal with Provident seamlessly, if you have any questions, we are always just a phone call away.

Our team is a well-balanced group of professionals with a wealth of experience mixed with a young dynamic team who have new insights and ideas. There are over 30 people employed at Provident who all believe in the importance of delivering our vision to our clients.

LEADERSHIP

The Provident team is led by Paul Carter, Managing Director; Sharyn Rule, Director of Operations; Greg Neill, Head of Financial Planning; Troy Hams and Tanya Sadowski, General Insurance Managers; and Trent Carter, Business and Finance Manager, who are proud to be part of a diverse group of experts providing extensive support to all our clients as well as each other.

Paul Carter and Greg Neill are Authorised Representatives and Credit Representatives of AMP Financial Planning Pty Limited.

Troy Hams and Tanya Sadowski are Authorised Representatives of Resilium Pty Ltd and Ausure Pty Ltd t/as Ausure Insurance Brokers.

securing a dynamic direction for your financial future

more Enjoy Factor moments for our clients

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Since 1997, Provident has been proud to share and assist in achieving financial security for our clients in both good and bad times.

By taking the worry out of what at times can be complex and difficult financial decisions, our advice aims to provide each client greater peace of mind to enjoy life.

To celebrate the achievements of our clients, we publish an annual Enjoy Factor book, a diverse collection of testimonials and photos from our clients, on how Provident has assisted in creating moments of enjoyment.

These stories along with Provident’s support in achieving them are as individual as their authors and range from buying a renovator’s delight, receiving complete professional support and advice in the face of adversity, helping business owners achieve greater value from their staff and business, to travelling adventures at home and abroad.

They are our inspiration and motivation.

To find out what our clients have to say about us, go to www.provident.com.au/enjoyfactor

The Enjoy Factor

“ the freedom to get on and do what I enjoy most” Carol Murray

delivering financial security and peace of mind

ff Business, Trade & Farm

ff Home, Contents & Strata

ff Motor, Trailer, Caravan & Boat

ff Professional Indemnity

ff Directors & Officers Liability

ff Management Liability

Financial Planningff Personal & Corporate Superannuation

ff Business & Personal Insurance

ff Self Managed Super Funds

ff Investment & Wealth Management

ff Budgeting & Savings Assistance

ff Retirement Planning

ff Aged Care Advice

ff Debt Management

Lending Solutionsff Loan Consolidation & Management

ff Mortgage Solutions

ff Personal Loans

ff Business Lending Solutions

ff Better Business Program

ff Succession & Transition

ff Business Planning

ff Staff Value Program

ff Finance Structuring

ff Leadership & Cultural Review

Our strategic advice is an investment in a personalised, secure and dynamic direction for your financial future.

With a team of specialists across all divisions, Provident can provide a solid understanding of your needs and a comprehensive strategic direction for your future whether it is for you, your family or your business.

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diverse specialists providing unique solutions for you

How can Provident help you?

WHO ARE WE?

All our financial planners have appropriate financial planning qualifications and are members of the Financial Planning Association (FPA). In addition to ongoing training through our Licensee, Provident encourages external studies in relevant disciplines to ensure our team remains at the forefront of the financial planning profession.

We choose to hold our licence through AMP Financial Planning Pty Limited and therefore benefit from the support of one of Australia’s largest financial services organisations.

KEEPING YOU INFORMED

To enhance your financial security and peace of mind, we provide our clients with focused information on the dynamic market place through presentations, electronic updates and newsletters. We believe our knowledge should be your knowledge. We endeavour to pass on new trends, opportunities, ideas and their impact on your finances, so that you can make informed decisions about your financial future.

UNDERSTANDING YOU

Starting a wealth creation strategy, setting up a Self Managed Super Fund, getting ready for retirement or facing aged care decisions, at Provident Financial Services our first priority is understanding you. Before we provide any financial recommendations, we spend the time to fully understand your objectives, attitude to risk, expected investment time frames and most importantly your Enjoy Factor. This focus makes every client partnership at Provident a unique one.

We have access to an extensive recommended product and service list ensuring that our advice is tailored to your individual goals and objectives.

As your needs evolve, it is important that the advice adapts accordingly and hence we have a strong ethos towards ongoing client relationships dedicated to open communication, trust and delivery. We understand that your financial security allows you to spend more time doing what you enjoy.

“Provident has helped us by allowing us to put

our minds on what we enjoy doing and being

free of the worry of having to take care of our finances. We just

don’t have to think about it anymore.” Brian & Jeannette Gillingham

Paul Carter Pty Ltd ABN 16 079 780 895 trading as Provident Financial Services is an Authorised Representative

and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFSL 232706 and

Australian Credit Licence 232706.

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Cresmont Holdings Pty Ltd ABN 59 079 927 245 trading as Provident Insurance Services is an Authorised Representative of Resilium Pty Ltd ABN 40 098 080 810 AFSL No. 232703 and Ausure Pty Ltd t/as Ausure Insurance Brokers ABN 94 096 971 854 AFSL No. 238433

Provsight Pty Ltd ABN 14 160 210 079 trading as Provident Business Solutions

Paul Carter Pty Ltd ABN 16 079 780 895 trading as Provident Financial Services is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFSL 232706 and Australian Credit Licence 232706.

INDIVIDUAL FOCUS

Getting to know your goals and plans is our first step. In order to advise you on a loan that best suits you, we take into consideration not just how much you can borrow but your lifestyle, the affordability of loan repayments and options for when interest rates change. Our advice will empower you to make your borrowing decisions with confidence.

SIMPLIFYING THE PROCESS

We simplify the process by being the link between you and the lender every step of the way. We save you time by doing the research for you, finding a loan that meets your needs and assisting you with the paperwork.

ONGOING SERVICE

This is a critical part in all areas of Provident’s service as products, your personal situation and economic conditions all change over time.

Reviews are therefore essential to the continued success of your strategy. After your loan has settled, we will agree on a contact schedule that will include informative updates and regular home loan health checks.

OUR DIVERSITY

All our lending consultants have accreditation with a range of lending providers and spend time sourcing the most up-to-date strategies in the marketplace. They have access to a diverse range of loan packages from some of Australia’s leading banks and financial institutions.

We understand every client is different and our advice is backed by a wealth of experience together with ongoing training and development, enabling us to match lending solutions specific to your needs.

“ Provident were sympathetic towards our situation. They were personable, patient and worked tirelessly to get us a loan which made it all possible.” Pat McGill & Jess Drake-Brockman

Paul Carter Pty Ltd ABN 16 079 780 895 trading as Provident Financial Services is an Authorised Representative and Credit Representative of AMP Financial Planning Pty Limited ABN 89 051 208 327 AFSL 232706 and Australian Credit Licence 232706.

mortgages and loans with added vision

8 9

protecting your home, lifestyle and business

PROTECTING YOU

Provident Insurance Services understands that the protection of your asset base from loss or damage is a vital aspect of your overall financial well-being. The loss of property or valuables which have been insufficiently protected can have severe consequences on other areas of your wealth if income and capital have to be diverted to replace it.

TAILORED SOLUTIONS

We take the time to understand you, your assets and your lifestyle to ensure that we recommend the best insurance solutions for you.

Our team is committed to the consistent provision of quality service and in the event of claim, you will have a single point of contact with someone who knows and understands your situation. This leaves you to focus on your priorities; whether that is running your business, enjoying a holiday, or relaxing knowing your home and valuables are covered.

OUR EXPERTISE

Provident Insurance Services chooses to hold its authorisation through Resilium Pty Ltd and Ausure Pty Ltd t/as Ausure Insurance Brokers. This combination allows us to provide you with the security that comes with some of the largest insurance providers.

Each consultant has accreditation in a diverse range of domestic and/or commercial insurances. The team is led by a Senior Associate of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) who is a Certified Insurance Professional.

ONGOING SUPPORT

We know that delivering peace of mind to our clients is more than just the insurance policy. We provide ongoing support and advice all the way through our partnership with you. We manage all claims quickly and efficiently to minimise any worry and we review your policies each year to ensure that your cover continues to meet your changing needs and lifestyle.

“We have always felt confident that Provident is at home providing us with

the same great service that they have given to us

over the last 12 years.” Angelo & Robin Sarich

Cresmont Holdings Pty Ltd ABN 59 079 927 245 trading as Provident Insurance Services is an Authorised

Representative of Resilium Pty Ltd ABN 40 098 080 810 AFSL No. 232703 and Ausure Pty Ltd t/as Ausure Insurance

Brokers ABN 94 096 971 854 AFSL No. 238433

making business owners’ lives better

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OUR FOCUS

Provident Business Solutions specialises in providing advice to small and medium enterprises (SME’s). We work in partnership with you, the business owner, your staff and key stakeholders, allowing you to start work on as well as in your business.

STARTING OUT, GROWING OR GOING

We have access to an exciting range of tools and programs to help business owners understand where your business is now, what the potential of the business is and how to set an achievable strategy to meet your definition of success.

Whether you are just starting your business and need support with financing or understanding your market or you are actively growing, our programs provide a structured and comprehensive framework for business owners to implement your business strategy and plan.

We conduct workshops that enable business owners to establish priorities, improve staff performance and commitment, set benchmarks for growth and create strategies for succession.

ONGOING SUPPORT

Success requires planning and review. Our ongoing service packages are built to provide support for establishing, implementing and reviewing your plans into the future.

OUR EXPERTISE

Our consultants are highly experienced business drivers focused on providing business owners with the support and skills to plan, manage and control their business resulting in better staff engagement, greater profit and capital value. We are accredited to provide the award winning Value Improvement Business Advice (VIBA) program and have specialist knowledge and programs for healthcare businesses. We are also accredited with Australia’s leading business software provider, MAUS.

Provsight Pty Ltd ABN 14 160 210 079 trading as Provident Business Solutions. Accredited Partner of MAUS Business Systems and of Bstar Pty Ltd.

“ Provident Business Solutions have provided invaluable support in helping us to align the goals of our business and the goals of our staff via their Staff Value program. This is the best thing the business has ever done.” Paul Cox & Steve Sadowski Directors of H.I. Lighting

Any information in this company profile is correct as at 15 April 2014 and is of a general nature only and does not constitute personal financial advice. It does not take into account your objectives, financial situation or needs. Before making a decision you should consider whether it is appropriate in light of your particular objectives, financial situation and needs. Before deciding whether to buy or continue to hold any financial product including those referred to in this publication, you should obtain and consider the Product Disclosure Statement for the product, which is available from us. Printed on 55% recycled paper.

Our vision Plan. Help. Achieve. is a series of stepping stones designed to help you explore what it means to enjoy life with financial security.

Let us help you discover what your Enjoy Factor is.

LIVING, LEARNING AND IMPROVING

At Provident, we are driven by our relationships with our clients. By understanding your goals and objectives and setting strategies to achieve them, we work to ensure that you are satisfied with the direction of your financial future.

As products, financial markets and client needs change, we conduct surveys to ensure that our service continues to meet our clients’ expectations.

GIVING BACK

Provident values the trust placed in us by members of our community and in response, we give back through varied charity and volunteer work. Provident team members are also active in the development of our chosen professions.

Further to this, each new client referred to Provident is acknowledged with a donation to our chosen charity as we are passionate about improving the lives of Australians.

“The sound and honest advice provided by them

has been a major influence on enabling us to now

live the way we do. The Enjoy Factor is what

it’s all about and letting Provident make it happen.”

Reid & Lin Edmeades

136 Stirling Hwy, Nedlands WA 6009Unit 43, Inspiration Business Park, Vision St, Wangara WA 6065PO Box 424, Nedlands WA 6909

T 08 9442 0000F 08 9389 5852E advice@provident.com.auW www.provident.com.au