Risk profile and associated financial knowledge

Advice (SOA): Financial Planning

Purpose of this document is to prepare a statement of advice (SOA) on the financial planning for David Smith and Brenda Smith to achieve their financial goals. The advice is to communicate important information to clients in order to make informed decision about their financial portfolios. This document is a Statement of Advice or ‘SOA’ used to explain my advice, and highlights the important points. Please, be sure to read all sections of the SOA.

Summary of my Advice

I recommend that you sell your shares and reinvest the funds in the managed funds, which will assist you to get a return between $17,000 and $29,000 a year. Moreover, I recommend that you invest 60% of your superannuation in the managed funds. I carefully choose the categories of the managed funds that you could invest your money. Based on my recommendation, you are likely to get returns of more than $2 million from your capital within ten years. However, if you decide to reinvest your returns with your capital, you will get returns of more than $30 million after tax. I also recommend investing the rest of 40% of your superannuation on government bonds.

I recommend that you take insurance coverage to protect your income and yourself from any loss. If you follow my advice, you will be able to achieve your long-term goal and objectives. The risk associated with my advice is that investment carries risks and investment with higher returns carries more risks.

Section 1: Your Important Information

This section provides information about you, which I use to prepare my advice:

goals and objectives,

Financial information,

Risk profile and associated financial knowledge.

Your Goals & Objectives

Based on the information provided both of you are looking forward for a long and active retirement. Your goal is to be in a good health and look forward to a long and active retirement.

Your goals and objectives when both of you retire in 2011 are to:

Effectively manage your superannuation after your retirement,

Be able to keep Graigs free from debts and out of possible loss of money due to divorce,

Secure high income from the money invested in the shares,

Maintain income of $40,000 a year,

Be able to pass your estates effectively to your children and grandchildren. WILL

Additional goals and objectives are to:

Provide a gift of $5,000 for each of four of your grandchildren (if possible),

Spend the costs of $35,000 to renovate your kitchen,

Be able to travel to Europe for holiday in 2011 at the expected cost of $50,000,

Travel around Australia within the next three years at the expenses of $30,000,

Renovate your kitchen and bathroom ( at expected cost of $35,000),

Go for a three-month holiday in late 2011 to Europe (at the estimated cost of $50,000),

Travel around Australia in the next 2-3 years with a budget of $30,000, and Maintain an emergency account of at least $15,000.

Method to Achieve Your Goal

This advice provides various methods to achieve your goals:

The first step is to sell the following shares that you jointly and individually owned:

Harvey Norman- $7,500

Telstra – $5,500

AXA

$9,500

Westpac – $20,000

By selling these shares, you should be able to raise approximately $42,000. You should use the fund to buy managed funds, which will assist you to earn between $17,174 and $29,053 per year at the rate of between 40% and 68%. Leaving these funds with managed funds for 10 years will make you to earn between $170,000 and $290,000 returns.

The second step is to invest your superannuation in the managed funds at the average rate of returns of 55%. Investing in the managed funds will assist you to achieve yearly returns of $211,145.75 before taxation. However, you will achieve a 10-year return of $2,111,457.50 before tax. If you intend to invest your yearly returns with your capital, your worth will be more than $30 Million without tax.

The next step is to create TTR (Transition to Retirement (TTR) for Craig. You will be able to nominate Graig as beneficiary should anything happen to you. Moreover, you should Will large part of asset your to Graig to protect him from financial loss in the future.

Old Age Pension

Based on the information provided, you will receive the old Age pension upon reaching the age of 65. This will not affect your retirement plan based on the superannuation that you will receive and this will be invested to increase your wealth after the retirement. Based on the estimation of the returns from your investment, you will worth more than $30 Million 10-year after your retirement.

Your financial information

The tables 1 and 2 below provide each of your financial information and the table 3 show your financial information when combining the financial resources together.

Table 1: David Personal Financial Information

Remuneration

Expenses

Gross Salary

$60 000

Gift to 4 Grand Children

$5,000*4

$20 000

Home

$375 000

Settle Craigs Debts

$20 000

Accumulated Annual Long Service

Living Expenses per year

$40 000

Annual Leave

$10 000

Kitchen & Bathroom Renovation

$35 000

Long Service Leave

$75 000

Holiday to Europe

$50 000

Others

Travel Around Australia

$30 000

Redundancy Payment

Emergence Account

$15 000

Holden Commodore

$25 000

Tax on Superannuation

Contents of Home

$25 000

15% * 270000

40500

Share owned

Testra

$5 500

4% per annum

Total Expenses

$250 500

AXA

$4 750

4% per annum

Wespac

$20 000

4% per annum

Savings Account

BankWest

$10 000

5.5% per annum

Bank Bonus Saver

$20 000

4% per annum

Superannuation

Taxed

$270 000

Tax Exempt

$80 000

Accumulated Scheme

$200 000

at 65 years

Life Insurance

$40 000

at 55 years

Pension ( 50%*60000)

$30 000

Total Assets

$1 250

Tatal Expenses

$250 500

Net Asset (Fixed and Liquid Assets)

$999 750

Less Fixed Asset (Home)

375,000

Net Financial Assets

$624 750

Table 2: Brenda Financial Information

Remuneration

Expenses

Gross Salary

$55 000

Gift to 4 Grand Children

$5,000*4

$20 000

Home

$375 000

Settle Craigs Debts

$20 000

Accumulated Annual

Long Service

Living Expense per year

$40 000

Annual Leave

Kitchen & Bathroom Renovation

$35 000

Long Service Leave

Holiday to Europe

$50 000

Others

Travel Around Australia

$30 000

Redundancy Payment

Emergence Account

$15 000

Holden Commodore

Cost of Superannuation

24*2880

69120

Contents of Home

$25 000

Share owned

Total Expenses

$279 120

Harvey Normal (4% per annum)

$7 500

AXA (4% per annum)

$4 750

Wespac (4% per annum)

$20 000

Savings Account

BankWest (5.5% per annum)

$10 000

Bank Bonus Saver (4% per annum)

$20 000

Superannuation

$280 000

Super Fund

$190 000

Total Assets

$987 250

Tatal Expenses

$279 120

Net Asset

$708 130

Less Fixed Asset (Home)

375000

Net Financial Assets

$333 130

Financial Information of David and Brenda Combined as Follows

David Total Assets

$1,250,250

Brenda Total Assets

987250

Total Assets

2237500

Less Total Expenses

David Total Expenses

250500

Brenda Total Expenses

279120

Total Expenses

529620

Net Asset (Fixed and Liquid Assets)

1707880

Less Fixed Asset (Home)

750000

Net Financial Assets

$957,880

Based on my calculation, the net worth of David after retirement will be $624,750. However, the net worth of Brenda will be $333,120 after the retirement. If both of you decides to combine your assets, your net worth will be $957,800. Both of you will be able to achieve all your goal and objectives after the retirement, however, you may not be able to continue living on these net worth forever if you do not invest part of your income.

TPD and Income Insurance

TPD (Total Permanent Disability) is an insurance against disability. This type of insurance package will assist you financially in case there is an accident or sickness that will render you disable. TPD package will assist you financially in case you are able to walk again. For example, the TPD will assist you to cover your debts and your ongoing living expenses. Thus, the insurance will assist you with maximum sum of $200,000 for David and $190,000 for Brenda in case you fall into the disability that will make you unable to walk again.

On the other hand, the income protection insurance will assist you in case you and your family fall into a financial hardship. For example, if you are unable to work for some reasons, income protection will assist you to replace your lost income.

Projected Cash Flow

The table below reveals your projected cash flow. Your projected cash flow is calculated based on the money you can easily cash in the short run. Based on the results of the projected cash flow, you will not be able to meet all your goals and objectives in the first year after your retirement because your expenses will be higher than your income. You will still need the total of $238,474 to meet all your goals and objectives.

Projected Cash Flow

First Year

Income

Amount

Return from Shares

$20,000

Return from Superannuation

$211,145.7

Saving Accounts

$20,000

Saving Accounts

$40,000

Total

$291,146

Expenses

Gift to 4 Grand Children ($5,000*4)

$20 000

Seattle Craigs Debts

$20 000

Living Expenses per year

$40 000

Kitchen & Bathroom Renovation

$35 000

Holiday to Europe

$50 000

Travel Around Australia

$30 000

Emergence Account

$15 000

Tax on Superannuation (15% * 270000)

$40,500

Total Expenses for David

Total Expenses for Brenda

$279 120

Total Expenses

$529,620

Net Income

($238,474)

Your risk profile

Investing involves risks, which may not give the returns envisaged. Almost all investments carry some risks and some have more risks than other. Generally, investments that produce higher returns have higher risks. Since you are balanced investors, your goal of increasing your wealth and double your money within 10 years may carry higher risks.

Based on this basis, my advice for you is as follows:

Invest 60% of your fund in growth assets such as managed funds,

Invest 40% of your fund in bonds such as Australian bonds.

Following this advice, the chance of achieving the negative returns is low, and you are expected to achieve your goal and objective.

Section 2: Investment Recommendations

This section provides the following:

my advice and why it is appropriate,

Risks associated with my advice.

First Advice

My first advice is to sell all the following stocks and use the money to purchase top performing managed funds in Australia:

Harvey Norman- $7,500

Telstra

-$5,500

AXA-$9,500

Westpac – $20,000

You should sell AXA and Westpac stocks since these stocks are jointly owned. You should also sell your owned individual stocks such as Harvey Norman and Telstra owned. The yearly returns of 4% for these stocks are too low. Moreover, giving the volatility in the capital markets where stock prices could fall without notice, it is not financially advisable to stick with these types of stocks. The yearly returns of these stocks are presented below:

Table 4: Stocks

Value

Rate

Yearly Rate of Returns

Harvey Norman

$7,500

$300

Telstra

$5,500

$220

AXA

$9,500

$380

Westpac

$20,000

$800

Total

$42,500

$1,700

Less Capital Gain Tax

850 (50% of $1,700)

Net Returns

$850

From the data presented above, investment of $42,000 will only yield the net yearly returns of $850. The paper recommends that you sell these stocks and use the funds to invest in some of these following top performing managed funds in Australia:

Table 5: Top performing managed funds

Fund name

Morningstar

rating

Sector

Historical Rate of returns

3 Mth

1 Yr

3 Yr

Perpetual WFIA — (Perpetual Geared Australian)

Source: InvestSmart (2013).

The table 6 below presents your yearly returns if you invest your $42,500 in any of these managed funds.

Table 6: Top performing managed funds

Value

Rate of returns

Estimated Yearly Returns

Perpetual WFIA — (Perpetual Geared Australian)

$42,500

68.36%

$29,053.00

Platinum Japan

$42,500

66.90%

$28,432.50

Colonial FirstChoice Investments — (PM Capital Absolute Performance)

$42,500

66.48%

$28,254.00

Colonial Wholesale Geared Share

$42,500

59.43%

$25,257.75

Smallco Investment

$42,500

58.23%

$24,747.75

Colonial FirstChoice Investments — (Acadian Geared Global Equity)

$42,500

58.17%

$24,722.25

Colonial FirstChoice Investments — (“Colonial Geared Share”)

$42,500

57.95%

$24,628.75

“Colonial Managed Investment Funds” — (Geared Share)

$42,500

57.82%

$24,573.50

Smallco Broadcap

$42,500

53.18%

$22,601.50

BlackRock W (Global Small Capital)

$42,500

51.99%

$22,095.75

BlackRock P Investment (Global Small Capital)

$42,500

51.49%

$21,883.25

BlackRock (Global Small Capital)

$42,500

50.95%

$21,653.75

“Macquarie Asia New Stars No.1”

$42,500

49.41%

$20,999.25

Colonial Wholesale (Geared Australian Share — Core)

$42,500

49.21%

$20,914.25

FirstChoice Wholesale (Geared Australian Share)

$42,500

47.09%

$20,013.25

Colonial FirstChoice Investments — (“Geared Colonial Australian Share — Core”)

$42,500

46.94%

$19,949.50

Colonial FirstChoice Wholesale Inv — (Goldman Sachs W. Global Sm Co)

$42,500

46.22%

$19,643.50

OnePath OA IP — (Optimix Global Balanced SmCo S2 EF)

$42,500

46.14%

$19,609.50

Colonial FirstChoice Investments — (GSachs Global Small Comp)

$42,500

44.94%

$19,099.50

Perpetual WFIA — (Templeton Global Equity)

$42,500

43.23%

$18,372.75

Platinum International

$42,500

43.10%

$18,317.50

Platinum Unhedged

$42,500

42.15%

$17,913.75

Platinum European

$42,500

41.99%

$17,845.75

OnePath OA IP — (Platinum International EF)

$42,500

41.21%

$17,514.25

Colonial FirstChoice (Investments – Platinum International)

$42,500

40.41%

$17,174.25

As being revealed in Table 5 and 6, the top performing managed funds with higher yearly historical returns are rated with three stars or higher. Morningstar rating measures fund risk adjustment of managed funds returns relative to similar funds. Morningstar rates managed funds from one to five stars. While top performing managed funds receive five stars, the worst performing managed funds receive one star. (Morningstar Research, 2013). Thus, it is advisable that you choose among the top performing managed funds companies and invest your $42,500. You can spread the money among five managed fund companies in different sectors.

Why this Advice is Appropriate

This advice is appropriate because you will be able to increase your yearly returns of the money invested. Moreover, you will wisely invest your money in the top performing stocks in Australia, which have been tested to be able to resist volatility in the stock markets. The recommended investments are appropriate for investors like you who will like your fund to grow over time. You can withdraw your money as you wish if you decide to discontinue with the investment. Moreover, the increase in the stocks returns will assist you to maintain the lifestyle that you desire after your retirement.

Risks Associated with this advice

The state of the economy might affect the yearly returns anticipated. All managed funds carry some risks and the returns might not reach the anticipated target yearly returns. The data used to calculate returns are the historical returns and these returns might go up or down based on the state of the economy.

My Advice 2

The second advice is the most important because it involves the strategies to manage your superannuation. Active management of your super annulations is very critical because it will assist you to achieve your long-term goals and objectives.

Why this Advice is Appropriate

Since David will receive superannuation of $350,000 after he retires, and Benda will receive the sum of $280,000, my advice is to invest these funds in the following categories:

First, you should invest 60% of these funds in Australian managed mutual funds. The major benefit of investing in mutual fund is that your money will be in the hand of professional fund managers who will assist you to manage your funds effectively. “Mutual funds offer professional management of your money. These managers have the training and resources to keep abreast of and adjust to market changes.” (Garrett, 2008 P. 2). Thus, mutual funds are very attractive when capital markets are usually volatile and they offer professional management solution for your money. Major benefits of mutual fund investment are that fund managers are required by Australian law to follow the investment objectives and portfolios.

More importantly, fund managers will assist you to eliminate some risks associated with the financial markets by assisting you to invest in individual stocks and bonds thereby allowing you to spread your risks in many different shares. Additionally, investing in mutual fund will assist you to achieve a well-diversified portfolio because fund managers will spread your funds in stocks and bonds.

Convenience and marketability are other benefits in investing in mutual funds. Mutual funds will assist you to reinvest your capital gains. Marketability of funds allows you to easily sell or buy mutual funds shares. Unlike mortgage investment, which may not be possible to sell your house when you wish, mutual funds allow you to quickly sell and cash your shares as you wish. Thus, marketability will assist you to maintain a well-diversified portfolio. The 60% of your supper annulations to be invested in mutual funds is presented below:

Superannuation

Amount

Contribution

% Contribution

David Superannuation

$350,000

60% of 350,000

210,000

55.55%

Brenda Superannuation

$280,000

60% of 280000

168,000

44.44%

Total

$630,000

$378,000

If you invest the 60% of your superannuation in 10 of the managed funds listed above, you will likely to earn capital gains of up to $211,145.75 yearly from your funds.

It is advisable to reinvest your fund yearly to take advantages of the higher yearly returns on your investment. If reinvest your fund yearly within the next 10 years, your 10-year returns will be approximately $2,111,457.50 as revealed in the table below:

Managed Funds

Value

Rate of Returns

Yearly Returns

Perpetual WFIA

(Perpetual Geared Australian)

$45,000

68.36%

$30,762.00

Platinum Japan

$42,500

66.90%

$28,432.50

Colonial FirstChoice Investments

( PM Capital Absolute Performance)

$42,500

66.48%

$28,254.00

Smallco Investment

$35,500

58.23%

$20,671.65

Colonial FirstChoice Investments

( Colonial Geared Share)

$35,500

57.95%

$20,572.25

BlackRock W (Global Small Capital)

$35,500

51.99%

$18,456.45

Macquarie Asia (New Stars No.1)

$35,500

49.41%

$17,540.55

Colonial FirstChoice

(Wholesale Inv – Goldman Sachs W. Global Sm Co)

$35,500

46.22%

$16,408.10

Platinum Unhedged

$35,500

42.15%

$14,963.25

Platinum International

$35,000

43.10%

$15,085.00

Total

$378,000

$211,145.75

Average of all Managed Fund Rates

55%

10-year Returns Excluding Tax

=10 x 211,145.75

=$2,111,457.50

10-Year Returns before Tax

$2,111,457.50

The calculation above assumes that you do not reinvest the returns of your initial capital after the first and subsequent years. If you reinvest your subsequent returns with your capital in the subsequent years, your returns from the capital investment will be more than $30 Million within 10 years using 55% as the rate of returns. The table below presents the calculation:

Your Capital + Initial Return

Total Capital

Yearly Return

Rate of returns

First Year

$378,000

$211,145.75

55%

Second Year

$378,000 + 211,145.75

$589,145.75

$324,030.16

55%

Third Year

$589,145.75 + $324,030.16

$913,175.91

$502,246.75

55%

Fourth Year

$913,175.91 + $502,246.75

$1,415,422.66

$778,482.47

55%

Fifth Year

$1,415,422.66 + $778,482.47

$2,193,905.13

$1,206,647.82

55%

Sixth Year

$2,193,905.13 + $1,206,647.82

$3,400,552.95

$1,870,304.12

55%

Seventh Year

$3,400,552.95 + $1,870,304.12

$5,270,857.07

$2,898,971.39

55%

Eighth Year

$5,270,857.07 +$2,898,971.39

$8,169,828.47

$4,493,405.66

55%

Ninth Year

$8,169,828.47 + $4,493,405.66

$12,663,234.12

$6,964,778.77

55%

Tenth Year

$12,663,234.12 + $6,964,778.77

$19,628,012.89

$10,795,407.09

55%

Total

$19,628,012.89 +$10,795,407.09 = $30,423,419.98

The table uses average of 55% for the yearly rate of returns

You will still need to pay capital gain tax (CGT) which will be deducted from your returns. Since I am not a tax expert, I will advise you to contact a tax expert who wills advice on the appropriate tax on your returns.

Risks Associated with this advice

It is essential to realize that fund managers cannot completely keep you out of risks because they do not have a crystal ball to foresee the future. What fund managers could assist you to do is to reduce your risks to the minimum.

Invest in Australian Government Bonds

I advise you to invest the rest of the 40% of your superannuation in the Australian government bonds. Australian government bonds are highly secured and carry low risks. The government set the returns as the benchmark in the market. Government bonds are the way to lend the government your money. (Australia Government, 2010). Based on the market rates, the government will pay the returns and the interests when your principal reaches maturity. (MoneySmart, 2013). The wide range of maturity is available in the government bonds, which include:

Australia 3-Month,

Australia 1- Year,

Australia 2-Year,

Australia 3-Year,

Australia 4-Year

Australia 5-Year and up to Australia 10-Year.

The remaining 40% of your superannuation is being presented in the table below.

Superannuation

Amount

Contribution

% Contribution

David Superannuation

$350,000

40% of 350,000

140,000

55.55%

Brenda Superannuation

$280.000

40% of 280000

112,000

44.44%

Total

$630,000

$252,000

If you decide to invest the funds on the government bonds, your returns at the maturity are revealed in the table below.

Bond

Yield

Capital

Return on your Capital

Australia 3-Month

2.33%

$252,000

$5,871.60

Australia 1- Year

2.50%

$252,000

$6,300.00

Australia 2-Year

2.72%

$252,000

$6,854.40

Australia 3-Year

2.99%

$252,000

$7,534.80

Australia 4-Year

3.19%

$252,000

$8,038.80

Australia 5-Year

3.40%

$252,000

$8,568.00

Australia 10-Year

4.06%

$252,000

$10,231.20

Investing (2013).

I advise you to invest in 3-Month bond because it will assist you to secure constant flow of income from your capital. You can reinvest your capital after 3 months.

It is advisable not to invest in hedge funds because they are not appropriate investment for you. Hedge funding involves more investment strategies suitable for investors willing take more risks.

Advice 3

You will need personal insurance to protect your lifestyle and current financial situation if anything happens to either of you. I advise you to take life and income protection insurance. You should assist Graig to take income protection insurance, which would protect Craig against the income loss.

Personal insurance products

Type of cover

Premium for the first year

Personal Life Insurance

$1,200.00 in the first year

Income Protection for Graig

$700.00 for the first year

Total

$1,900

Premium may change from year to year

Managed Fund

Fee type

Fee to pay

Amount

Contribution fee

4% of your initial investment

$15,120 will be paid (for your initial investment of $378,000 ) .Additional contributions fees may apply if you decide to make further investments in the future.

Management costs

2.5% per year deducted from your average account balance

The exact amount will depend on your account balance. For example, from a balance of $378,000, the annual fee would be $9,450.

After- Implementation Cash Flow

Based on the after implementation cash flow, you will be able to achieve all your goal and objectives in the third year. Within 10 years, you will worth $1.3 million after all the expenses have been deducted and if you do not reinvest your returns.

After- Implementation Cash Flow

Ist Year

2nd Yr

3rd Yr

4th Yr

5th Yr

6th Yr

7th Yr

8th Yr

9th Yr

10th Yr

Income

$291,146

Return from Shares

20,000

Return from Superannuation

$211,145.75

Return from Bond ($5,871.60 x4)

23,486.40

Total Income

$291,146

254,632.15

Expenses (David & Brenda)

529,620

80,000

Net Income

174,632.15

Cumulative Net Income

($238,474)

(63,841.85)

110,790.30

285,422.45

460,054.60

634,686.75

809,318.90

983,951.05

1,158,583.20

1,333,215.35

Is it Possible to Change your Mind?

Yes, it is possible to change your mind and be able to get your money back if you are not satisfied with the investment portfolio or if you think that the investment is not right for you. Generally, for mutual funds and insurance products, you should be able to get you money back within 14 days of buying the products.

Reference

Australia Government (2010).Investment Management Industry in Australia. Australian Trade Commission.

Garrett, S.(2008). The Benefits of Mutual Fund Investment in an Uncertain Economy. (Second Edition). Wiley Publication.

InvestSmart.(2013).Top performing Managed Funds. InvestSMART Financial Services Pty Ltd.

Investing (2013).Australia – Government Bonds. Fusion Media Ltd.

Morningstar Research, (2013).Morningstar Rating. Mutual Fund Ratings, Research, Best Mutual Funds. Morningstar, Inc.

MoneySmart.(2013). Australian Government bonds. Australian Securities & investment Commission.

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Writing a law essay may prove to be an insurmountable obstacle, especially when you need to know the peculiarities of the legislative framework. Take advantage of our top-notch law specialists and get superb grades and 100% satisfaction.

What discipline/subjects do you deal in?

We have highlighted some of the most popular subjects we handle above. Those are just a tip of the iceberg. We deal in all academic disciplines since our writers are as diverse. They have been drawn from across all disciplines, and orders are assigned to those writers believed to be the best in the field. In a nutshell, there is no task we cannot handle; all you need to do is place your order with us. As long as your instructions are clear, just trust we shall deliver irrespective of the discipline.

Are your writers competent enough to handle my paper?

Our essay writers are graduates with bachelor's, masters, Ph.D., and doctorate degrees in various subjects. The minimum requirement to be an essay writer with our essay writing service is to have a college degree. All our academic writers have a minimum of two years of academic writing. We have a stringent recruitment process to ensure that we get only the most competent essay writers in the industry. We also ensure that the writers are handsomely compensated for their value. The majority of our writers are native English speakers. As such, the fluency of language and grammar is impeccable.

What if I don’t like the paper?

There is a very low likelihood that you won’t like the paper.

Reasons being:

When assigning your order, we match the paper’s discipline with the writer’s field/specialization. Since all our writers are graduates, we match the paper’s subject with the field the writer studied. For instance, if it’s a nursing paper, only a nursing graduate and writer will handle it. Furthermore, all our writers have academic writing experience and top-notch research skills.
We have a quality assurance that reviews the paper before it gets to you. As such, we ensure that you get a paper that meets the required standard and will most definitely make the grade.

In the event that you don’t like your paper:

The writer will revise the paper up to your pleasing. You have unlimited revisions. You simply need to highlight what specifically you don’t like about the paper, and the writer will make the amendments. The paper will be revised until you are satisfied. Revisions are free of charge
We will have a different writer write the paper from scratch.
Last resort, if the above does not work, we will refund your money.

Will the professor find out I didn’t write the paper myself?

Not at all. All papers are written from scratch. There is no way your tutor or instructor will realize that you did not write the paper yourself. In fact, we recommend using our assignment help services for consistent results.

What if the paper is plagiarized?

We check all papers for plagiarism before we submit them. We use powerful plagiarism checking software such as SafeAssign, LopesWrite, and Turnitin. We also upload the plagiarism report so that you can review it. We understand that plagiarism is academic suicide. We would not take the risk of submitting plagiarized work and jeopardize your academic journey. Furthermore, we do not sell or use prewritten papers, and each paper is written from scratch.

When will I get my paper?

You determine when you get the paper by setting the deadline when placing the order. All papers are delivered within the deadline. We are well aware that we operate in a time-sensitive industry. As such, we have laid out strategies to ensure that the client receives the paper on time and they never miss the deadline. We understand that papers that are submitted late have some points deducted. We do not want you to miss any points due to late submission. We work on beating deadlines by huge margins in order to ensure that you have ample time to review the paper before you submit it.

Will anyone find out that I used your services?

We have a privacy and confidentiality policy that guides our work. We NEVER share any customer information with third parties. Noone will ever know that you used our assignment help services. It’s only between you and us. We are bound by our policies to protect the customer’s identity and information. All your information, such as your names, phone number, email, order information, and so on, are protected. We have robust security systems that ensure that your data is protected. Hacking our systems is close to impossible, and it has never happened.

How our Assignment Help Service Works

1. Place an order

You fill all the paper instructions in the order form. Make sure you include all the helpful materials so that our academic writers can deliver the perfect paper. It will also help to eliminate unnecessary revisions.

2. Pay for the order

Proceed to pay for the paper so that it can be assigned to one of our expert academic writers. The paper subject is matched with the writer’s area of specialization.

3. Track the progress

You communicate with the writer and know about the progress of the paper. The client can ask the writer for drafts of the paper. The client can upload extra material and include additional instructions from the lecturer. Receive a paper.

4. Download the paper

The paper is sent to your email and uploaded to your personal account. You also get a plagiarism report attached to your paper.

PLACE THIS ORDER OR A SIMILAR ORDER WITH US TODAY AND GET A PERFECT SCORE!!!