Adviser Profile

Overview

Nadia has over 16 years of experience in the provision of financial / accounting advice and 7 years’ experience in the provision of financial planning advice. Nadia attained Bachelor of Business and Commerce from Monash University on 25th of May 2006. She is a Certified Practicing Accountant and a member of CPA Australia.

Nadia Hughes is a Sub-Authorised Representative of Unfair Advantage Financial Advisory Pty Ltd, Corporate Authorised Representative No. 1007300.

Qualifications

Nadia Hughes holds a Diploma of Financial Planning and meets the competency requirements under ASIC’s Regulatory Guide RG 146.

Professional Memberships

Nadia Hughes is a member of CPA Australia and abides by their code of professional conduct and ethics.

Authorisations

Nadia Hughes is authorised to provide advice and deal in the following financial products:

• Life Products including Investment Life Insurance Products & Life Risk Insurance Products;
• Interests in Managed Investment Schemes including Investor Directed Portfolio Services;
• Deposit & Payment Products;
• Retirement Savings Accounts (“RSA”) products;
• Debentures, Stocks or Bonds issued or proposed to be issued by a government;
• Superannuation;
• Self-Managed Superannuation Funds;
• Securities; and
• Standard Margin Lending Facility.

Advice Fees and Charges

Nadia Hughes will be paid by Financial Planning Advice Fees as described in the Financial Services Guide. The amount of the benefit and how it is calculated will be advised to you during your initial meeting.

Nadezhda’s fee for the preparation of a Statement of Advice and other Advice documents will vary depending on the complexity involved and the time taken. You will be notified of the costs involved prior to the commencement of any work.

Nadezhda provides the option of ongoing reporting and advisory services. These fees vary depending on scope and complexity and range from $1,100 to $4,500 (incl. GST). You will be notified of the cost involved prior to the commencement of any ongoing services.

Unfair Advantage Financial Advisory Pty Ltd pays a fixed licensing fee to Capstone Financial Planning Pty Ltd and will receive all revenue earned from the financial services provided to you. Nadezhda is a Director of Unfair Advantage Financial Advisory Pty Ltd and will receive a salary/benefit from this company.

Other Benefits Adviser May Receive

From time-to-time Nadezhda may be invited to social or sporting events and receive the occasional gift such as a bottle of wine or hamper on special occasions. These non-cash benefits will have a value of less than $300. A register listing the details of any non-cash benefits between $100 and $300 is maintained. These invitations and gifts do not influence the advice provided to you. If you would like more information, you can request a copy of the register.

This Adviser Profile has been authorised for distribution by Capstone Financial Planning Pty Ltd. AFSL No. 223135. This Adviser Profile forms part of the Financial Services Guide (FSG) and is to be read in conjunction with the FSG.