Secure your financial future. One step at a time.

Step 1: Getting to Know Each Other

The first appointment enables us to “paint a picture” of who you are. We discuss where you are now and where you want to be in the future – and pinpoint your personal and financial goals and objectives. It is an opportunity to address the financial elements of your current lifestyle, including: Income, expenses, personal assets and liabilities; current insurance cover (general and personal); and, investments and superannuation. At the end of this first appointment you will be provided with several key documents, one of which is the Financial Services Guide (FSG). It is vital that you read this guide, as it contains important information about the range of services we offer.

Step 2: Statement of Advice

Once we have gathered the relevant information in Step 1, we will formulate strategies in line with your needs and objectives, provided to you in the form of a financial plan, which is also referred to as a “Statement of Advice” (SoA).

This Financial Plan provides a summary of:

  1. The needs and objectives that you have agreed to be addressed;
  2. A statement of personal information regarding your current position;
  3. A summary and detailed analysis of the recommended strategies, how they will help you to achieve your objectives, and any risks and implications associated with the implementation of these strategies;
  4. A summary of investment recommendations (where applicable) and the rationale behind these recommendations;
  5. Disclosure of fees associated with the advice and its implementation.
Step 3: Presentation of the Statement of Advice

Once the Financial Plan (Statement of Advice, SoA) has been completed we will schedule an appointment to formally present this advice to you. During this appointment we will address each of the recommendations in detail, and discuss any concerns that you may have. By law, an SoA must be provided when personal advice is provided to a client.

Step 4: Put Your Plan to Work for You

The true value of a Financial Plan lies in its implementation. Once you are confident that you understand the recommendations presented in Step 3, you will need to complete the required paperwork/application and an authority to proceed. We can then get to work to put your FInancial Plan into action.

Step 5: Ongoing review

It is important to note that, once your plan has been implemented, we will continue to work with you to ensure that your Financial Plan remains up-to-date and relevant to your needs/goals. Life is always changing, and so it is important to review your Financial Plan when your personal or financial circumstances change, or at least every 12 months.