Your Financial Planner

 
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J Diggle + Associates (JDAS) commenced our financial planning business in April 2011. Bringing together over 25 years of experience in the financial services industry, JDAS seeks to provide real world financial planning solutions that meet your financial needs, put you on track to meet your financial goals and to demystify the jargon of wealth creation and risk management.

We will give you sound advice about savings discipline and diversification, along with specialist technical knowledge. Simply put, we are here to help you worry less about money and to free up your time to do the things you enjoy. 

To arrange an initial interview via phone, over Skype or face to face in our Collins street or Kyneton offices please contact us.

J Diggle + Associates specialise in the following areas: 

  • Pensions and Social Security 

  • Life and Disability Insurance 

  • Wealth Creation 

  • Estate Planning 

  • Aged Care Planning 

  • Limited and Scaled Advice

  • General Advice

  • Personal Advice

  • Superannuation 

  • Retirement Planning 

 

OUR ASSOCIATES

 
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Dr. Jenny Diggle CFP®

Jenny became a financial planner in January 2007, after spending more than 20 years working in the Australian financial services industry, including seven years as an academic teaching financial services to post graduates.

Prior to becoming a financial planner, Jenny held a number of risk management and compliance roles for large finanacial services organisations.

She holds the Diploma of Financial Services (Financial Planning); a Graduate Diploma in Corporate Finance; a Graduate Diploma in Applied Finance and Investment; a Masters of Applied Finance and a Doctor of Philosophy (PhD). She completed her Certified Financial Planner qualifications in 2012.

Jenny actively seeks out low cost, efficient investment structures for her clients. She offers to review her financial planning clients regularly and is pro-active in her advice. She is committed to assisting clients obtain financial self-sufficiency and a greater understanding of their wealth creation options.

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Ms Jennifer Noonan

Jennifer has been in the financial services industry for over 15 years and started Life Matters Financial Solutions in 2016. She commenced in the financial services industry as a financial adviser and completed her Masters of Financial Planning in 2003. Having previously worked for RMIT University, Jennifer’s passion for education moved her into a learning and development role with AXA Australia.  

During her time with AXA/AMP Jennifer specialised in financial planning and business education and has wide-ranging experience with many different advisers and financial advice businesses. She now brings this extensive knowledge and experience to Calnan Flack with a passion for helping people along their journey and educating clients so that they can have peace of mind with their financial future.

Jennifer also continues her passion for learning by teaching RG146 subjects for a major life insurer and Kaplan.

 
 
 

Our Advice Model

 

When you engage a financial planner, you are seeking professional advice about wealth management, insurance management, the relationship between investment risk and return, diversifying your assets and utilising your greatest wealth asset – your income – to maximise your long term opportunities.

At JDAS, our advice model is a full service advice model i.e. we are licenced by ASIC to provide personal financial advice about financial products for which we charge a fee. 

We offer General advice, where clients pay an hourly rate to have financial transactions completed, such as the opening of an investment account; or an interview to explain aspects of your current situation. 

We provide personal advice at either an hourly rate or at a fixed flat fee that will be quoted to your prior to you engaging our advisers. Personal advice can be scaled i.e. limited to certain aspects of your financial planning needs; or comprehensive. At our initial meeting we will discuss and agree on which type of advice you require.

JDAS offers ongoing management and advice, based on the type of initial advice provided (personal or general) and we charge a flat fee each year for this advice - the annual retainer. The fee and services provided for that fee are agreed with clients at the commencement of each financial year.

 
 
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About Compliance + Training

 

Compliance Consulting

As each month goes by, there are more headlines related to the failure of licensees to adequately monitor and supervise their authorised representatives.

The cost of this failure to the client can be devastating.

Our compliance consulting approach is to identify the weaknesses in your advice and supervision model; then provide you with feedback to improve and enhance.

We specialise in:

  • policy writing and standards setting

  • investigations

  • change management

  • project management

We align our output to relevant ASIC Regulatory Guides; your AFSL requirements; and to your professional indemnity insurance requirements.

Our pricing model is:

  • to provide services at a daily rate

  • a fixed price retainer to develop a project plan for the work to be undertaken

  • weekly reporting on progress and invoicing

RG146 training

We are not a registered Training organisation. However we have developed skills and expertise in delivering fast paced training aimed at achieving RG 146 compliance. Combining a mix of industry expertise and must know competencies, our presentation style is one of engagement and interaction with the participants.

We can utilise which ever RTO's materials you decide to choose, and have experience with Deakin Prime materials; Kaplan materials; and Monarch Institute materials.

Whilst no group is too small and no group is too large, we have identified that groups of less than 20 enable a quality level of engagement.

Our pricing model is:

  • to provide services at a daily rate

  • to deliver a fixed price services over an agreed timeframe

  • 5 day cancellation penalty fee of one day of the daily rate

  • travel and accommodation costs charged as an extra

 
 
 
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FPA Membership

 

Dr. Jenny Diggle is Certified Financial Planner (CFP®) member of the Financial Planning Association of Australia and has been a member since 1999.

As a current Certified Financial Planner member of the FPA, Dr Diggle is bound by the FPA's Code of Professional Practice FPA’s in her dealings with clients.

The Financial Planning Association (FPA) represents the interests of the public and Australia's professional community of financial planners. 

The Association is unrivalled in its reach of the financial planning market, its influence on Government and regulators, the standards it sets through a world-class Code of Professional Practice, the unique position it holds as the certification body in Australia for the global CFP® designation, and the reputation it has built for quality professional development. 

With a growing membership of more than 10,000 members and affiliates of whom 7,500 are practising financial planners, the FPA is home to Australia's 5,500 CFP® professionals. Building on a 20 year legacy, the FPA represents the changing of financial planning from industry to a profession. 

 

J Diggle + Associates Privacy Policy

 

PURPOSE

This policy applies to Steamer Enterprise Pty Ltd, trading as J Diggle and Associates in compliance with the Privacy Act 1988 and the associated 13 Australian Privacy Principles.

SCOPE

Our business is to understand your financial needs and to provide advice and recommendations to meet your financial goals and objectives. To do this effectively, we need to collect certain personal information about you.

The personal information we hold is mainly used for establishing and managing the financial products or services of our clients, and reviewing their ongoing needs. We may also use personal information we have collected for related purposes, such as investment, retirement, and life insurance products.

COLLECTION OF PERSONAL INFORMATION 

The type of personal information we collect may include (but is not limited to) name, address, date of birth, contact details, income, assets and liabilities, account balances, tax and financial statements, employment details, superannuation account details and whether you are a U.S. citizen.

We obtain personal information directly from you (such as through a data collection process) and from maintaining records of information provided during review meetings; from the provision of ongoing financial planning advice; applications; or when providing client services. 

We may also obtain information from other sources such as lawyers or accountants but only if you give permission for this to happen.

If you choose not to provide the information, we may not be able to provide you with the requested product or service.

HOW WE COLLECT AND HOLD YOUR PERSONAL INFORMATION 

When we collect data from you as part of our legal requirements to provide advice that is appropriate to your needs, we will be collecting personal information about you.

The information we collects from you may be in the form of:

  • Written responses to questions

  • Client data collection tool

  • Online via an ifact find

  • Statement of accounts provided by you

  • Internet searches

  • File notes and meeting records

  • Correspondence to and from you

  • Transaction records about the advice we provide.

If you require or if we recommend life insurance products, we may collect sensitive information about you on behalf of the insurance company as part of the application process.

We are not an authorised credit provider and do not collect credit reporting information.

We store your data electronically and a small amount of data is kept in hard copy.

THE PURPOSE OF THE PERSONAL INFORMATION WE COLLECT AND HOLD

Your personal information may be disclosed to:

  • other areas within J Diggle and Associates who provide support and other services;

  • our professional indemnity insurer;

  • courts, tribunals and other dispute resolution bodies (such as the Australian Financial Complaints Authority) in the course of a dispute;

  • regulatory authorities (such as the ATO, APRA, ASIC and AUSTRAC);

  • anyone authorised by you, as specified by you; or

  • anyone authorised by law to obtain information about you.

SENSITIVE INFORMATION

Some personal information we hold is 'sensitive' and subject to greater restrictions.

Sensitive information relates to a person's racial or ethnic origin, political opinions or membership of political bodies, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association or trade union, sexual preferences or activities, criminal record, state of health and medical history.

Some sensitive information is usually needed for applications for death, sickness and disability insurance and to manage claims on those products. It may also be relevant the provision and operation of a financial service or product. 

Sensitive information will be used and disclosed only for the purposes for which it was provided, unless you agree otherwise or the use or disclosure of this information is allowed by law.

TAX FILE NUMBERS

The way we use tax file numbers is also restricted by law. We are only allowed to collect your TFN details for a purpose authorised by taxation law, personal assistance law or superannuation law.

As a financial services licensee we may collect and disclose your TFN to the ATO. We may also disclose TFN information to investment bodies when making investments on your behalf (in our capacity as your agent) and share registries that are agents of publicly listed companies for the purposes of maintaining their share registry and paying dividends.

You are not legally obliged to quote your TFN, however there may be financial consequences for an individual who chooses not to quote their TFN. For example, if individuals don't quote their TFN to employers and financial institutions then they may have tax deducted from their income or interest payments at the highest marginal rate. Most government payments or financial assistance require the provision of your TFN before payments will commence.

SAFEGUARDS FOR THE PROTECTION OF PRIVATE INFORMATION 

Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, mail, over the internet (such as via Skype) or other electronic medium such as email.

We hold personal information in a combination of secure computer storage facilities (password protected) and paper-based files (locked storage). We take steps to protect personal information we hold from misuse, loss, unauthorised access, modification or improper disclosure.    

As part of our review process, we endeavour to ensure that the personal information we hold about you is accurate and up-to-date. You can notify us at any time of changes in your personal information that we have collected.

ACCESSING YOUR STORED PRIVATE INFORMATION

Under the Privacy Act, you generally have the right to access any personal information that we hold about you on request. The Act does set out some exceptions to this. We may, for example, not provide you with information where the information relates to existing or anticipated legal proceedings between you and us, and would not be accessible by the process of discovery in those proceedings.

You can write a letter to us; email us, telephone us, or make an appointment for an interview to request a copy of the personal information we have collected about you. You will need to provide us with documentation verifying your identity.

We will acknowledge your request within 14 days and will respond promptly to your request.

INTERNET AND WEB PAGES

J Diggle + Associates does store data on a cloud based storage system; but does not use cookies on our web site (cookies are small pieces of text stored on your computer to that identify information such as the type of browser and settings you are using and where you have been on the web site).

WHAT IF YOU HAVE A COMPLAINT? 

If you consider that we have breached this policy or the National Privacy Principles or otherwise haven't respected your privacy, you can make a complaint.  To make a complaint, in the first instance, please telephone us.

If you are not satisfied with our response, you can contact an external body:

  • If your complaint is about how we handle your personal information you can contact the Office of the Australian Information Commissioner – call 1300 363 992 or find them online at oaic.gov.au

  • If your complaint is about the products and services, we provide you can contact Australian Financial Complaints Authority on 1800 931 678 (free call) or find them online at www.afca.org.au

 Last Updated: 01 09 2019

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Our Office

454 Collins Street, Melbourne
PO Box 584, Kyneton VIC 3444

P 03 9923 7470
F 03 8319 4055
E jenny@jdas.com.au
M 0422 455 298

 

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