John Livas, ERY Financial Planning Partner

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After several years in the banking industry culminating as a financial planner for the Advance Bank and subsequently St George bank for 5 Years a new advisory business was formed in partnership with a Chartered Accounting firm in early 2000. This business evolved into what is now ERY Financial Planning. ERY financial planning is a division of Emerson Randell Young.

As partner and director of ERY Financial Planning John is also an Authorised Representative of Professional Investment Services Pty Ltd (PIS) since 2000. PIS commenced operations on 6 August 1996.

John holds qualifications in a postgraduate Diploma in Financial Planning (DFP) and has worked as an adviser in the finance and insurance industry since 1995. He's also an associate member of the Financial Planning Association since 1998.

John is authorised by PIS to provide financial product advice and deal in the following areas:

Financial Services	Product Types	Is your adviser authorised to provide this advice?
Investments	Basic Deposit Products
	Managed Investments
	Debentures
	Investment Bonds
	Direct Shares
	Margin Lending / Gearing
Superannuation & Retirement Planning	Annuities
	Corporate Superannuation
	Personal Superannuation
	Employer Sponsored Superannuation
	Account Based Pensions
	Retirement Savings Accounts
Risk Insurance	Insurance within Superannuation
	Total and Permanent Disability Insurance
	Income Protection Insurance
	Trauma Insurance
	Life/Term Insurance
	Key Man Insurance
	Business Expense Insurance