Craig Smith & Associates specialises in providing superior, personalised service in tailoring effective solutions to meet our clients' wealth management and wealth protection needs.

We are licenced through Australian Financial Services Limited and offer 2 financial planning specialists:

• Craig Smith (Authorised Representative No: 263524); &
• Patrick Hegarty (Authorised Representative No: 320032).

Craig, aged 54, has been a running his own financial services company for 19 years after 13 years as a school teacher.

Craig holds the following qualifications:

• Master of Commerce in Financial Planning from University of Western Sydney
• Bachelor of Education from University of New England
• Advanced Real Estate Certificate from Dept of Technical & Further Education

Patrick, 31, has 10 years experience in the financial services industry having worked for Woinarski & Co Chartered Accountants, Financial Keys, MLC and Count Financial Limited in a wide variety of roles including: Technical Services Consultant, Paraplanner, South Australian Business Development Manager and as a Senior Financial Planner.

Patrick holds the following qualifications:

• Bachelor of Business from University of Technology Sydney, Majoring in Accounting & Finance
• Graduate Diploma of Applied Finance and Investment from the Securities Institute of Australia

Australian Financial Services Limited (AFS) is one of Australia's foremost adviser owned and adviser driven financial planning groups and is not owned by any product provider or fund manager. AFS brings to you a wealth of industry experience and customer focused solutions. The group's network has 99 financial planning practices around Australia managing the insurance, superannuation and investment portfolios of approximately 60,000 Australian individuals, families and companies.

AFS representatives receive the highest quality training and support services to ensure the advice they provide to clients is as competent and professional as possible.

Australian Financial Services Limited (AFS) ABN 50 116 900 362 is the holder of an Australian Financial Services Licence No. 297239.

Craig Smith & Associates Pty Ltd ABN: 39 003 823 998 is a Corporate Authorised Representative (No: 328047) of Australian Financial Services Limited ABN: 50 116 900 362 Licence No: 297239.