We aim to deliver financial security with a deep understanding of what is important to you. Established in 1997, Provident is a group of multidisciplinary and highly experienced financial planning specialists who work together to improve the financial security and well-being of individuals, families and businesses. Whether 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 you. Before we provide any financial planning 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. Our vision Plan. Help. Achieve. and your Enjoy Factor are the cornerstone of our advice. Our vision was developed by the team to represent the drive we have to see our clients achieve the success they plan for and how we value the trust they place in us. Your Enjoy Factor is what it means to you to enjoy life with financial security. Go to http://www.provident.com.au/the-Enjoy-Factor to read some of our clients’ Enjoy Factor moments and how they value our advice. 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 Australian Financial Services Licence 232706 and Australian Credit Licence 232706. Any advice contained in this webpage is of a general nature only and does not take into account the objectives, financial situation or needs of any particular person. Therefore, before making any decision, you should consider the appropriateness of the advice with regard to those matters. Please go to http://www.provident.com.au/Documents/Financial-Planning-FSG.aspx to view our FSCG to find out more about our financial advice services.