Michael Duncan Ratcliffe – Financial Adviser

Adviser identifying number: 246118
Status: Current
Adviser’s ABN: 16780583516
The year the Financial Adviser first provided advice: 2005

Name of the licence holder: ELDERS FINANCIAL PLANNING PTY LTD
Licence number: 224645
Licensee’s ABN: 48007997186
Licence controlled by: AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED ~ ELDERS RURAL SERVICES AUSTRALIA LIMITED

The date the Financial Adviser commenced the appointment: 09/06/2016
The date the Financial Adviser ceased the appointment:
Name of the Authorised Representative: ELDERS FINANCIAL PLANNING PTY LTD
Authorised Representative identifying number: 000224645
Authorised Representative’s ABN: 48007997186

Disciplinary actions start date against the Financial Adviser:
Disciplinary actions end date against the Financial Adviser:
Disciplinary action type:

Address:
Contact phone number:
Working hours:

Relevant qualifications and training:

• DFP 1 Introduction to Financial Planning – Financial Planning Association of Australia (FPA)
• DFP 2 Risk Management and Insurance Planning – Financial Planning Association of Australia (FPA)
• DFP 4 Retirement Planning – Financial Planning Association of Australia (FPA)
• DFP 8 Financial Plan Construction and Review – Financial Planning Association of Australia (FPA)
• Margin Lending – Kaplan

Relevant memberships of professional bodies or industry associations:

Michael Duncan Ratcliffe is authorised to provide advices on following products:

• Deposit and Payment Products / Non-basic Deposit Products
• Government Debentures, Stocks or Bonds
• Life Products / Investment Life Insurance Products
• Life Products / Life Risk Insurance Products
• Managed Investment Schemes / Managed Investment Schemes, including IDPS
• Retirement Savings Account Products
• Securities
• Superannuation
• Margin Lending Facility / Standard Margin Lending Facility