A special offer to former Dover Financial clients


Dover Financial has struck a deal to transfer orphaned advisors and their clients to Enva.  But what you may not know is that part of this deal, 70% of Dover clients’trailing commissions –clients’own money – is flowing to the owners of now-defunct Dover financial to repay outstanding licensee fees.

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At Financial Spectrum we find this concerning.  Clients’ own money in the form of commissions is being used back to Dover to repay debts.  Commissions paid to financial advisers aren’t just a massive conflict of interest.  What many people don’t realise is that commissions are typically paid by the clients themselves. There’s plenty of clever contractual language to obscure that fact, but at the end of the day, commissions come out of clients’ own pockets.


You could be thousands of dollars better off

Removing commissions from your portfolio could result in savings of up to 22.5% on life insurance policies and up to 1% on the management cost of your investment or super. That’s big! According to ASIC’s MoneySmart Superannuation Calculator, for a 35 year old earning $130,000 per year, with $100,000 in super, that’s a total saving of $103,384 just in fees. Double that amount if it’s a couple.


Get back what is yours

At Financial Spectrum we want to give former Dover customers choice over where their money goes and allow them to keep the money that is theirs.

If you’re a former Dover client, we’re offering to remove the commissions from your portfolio, passing the savings back to you for only $200.

For just a couple of hours work and a couple of hundred dollars, it’s entirely possible that for an average couple, they could be $100,000 or more better off. It’s probably the best return on investment that they will ever experience.


Why Financial Spectrum?

At Financial Spectrum we believe in being advocates for our clients and for always acting in their best interests. Financial Spectrum charges clients on a fee only basis and does not accept any commissions on financial or insurance products. Our clients to only pay for the advice that they receive and we believe all others should have that opportunity too.

Financial Spectrum has no ties to banks or financial institutions and are proud to be a member of the Association of Independently Owned Financial Professionals. This protects our clients from conflicts of interests and enables us to provide advice that is most appropriate for our clients’ individual circumstances.


Let us help you

If you would like to take advantage of this offer or simply find out more, complete the form below and one of our senior advisors will be in touch with you.

Find out how we can help