Our Process

Each person has different financial, family and personal circumstances so advice must be tailored for maximum benefit.

Our planning process therefore involves a formal, disciplined approach to determine the most appropriate solutions for each individual client.

There is no one correct solution, so the planning process needs to take into account your assets, liabilities, income, cashflow, lifestyle, objectives and retirement goals. We use this information to research a number of ‘what-if” situations, before completing a comprehensive plan providing a range of recommendations.

We have developed a formal methodology, which breaks the planning process into three stages with a number of discrete and identifiable steps:

Step 1: Discovery

Initially it is important for us to fully understand your needs and objectives as these will indicate to us the outcomes that you wish to achieve in your plan.

For us to provide you with the best possible advice, we then review your financial position and personal circumstances. This involves detailing your assets, liabilities, cashflows, work circumstances, superannuation arrangements, insurances and estate planning.

We also need to determine how much risk you’re prepared to take with your investments to achieve your objectives. We do this using a Risk Profile Questionnaire and discuss with you various aspects of investment and the trade-off between risk and return. Once we have all of this information we can move on to the next step, which is to develop appropriate strategies and recommendations specifically tailored to your circumstances.

Step 2: Design

Now that we understand your situation, we research various strategy options that may be appropriate and subsequently design your personal financial plan. This plan will include a number of recommendations tailored specifically to meet your requirements today and your goals for the future.

The financial plan that we design and present to you may provide recommendations relating to:

• Investments
• Cashflow Management & Funding
• Personal Insurances
• Pension Planning
• Mortgage Finance
• Superannuation
• Wealth Creation & Management
• Estate planning
• Liability Management
• Leasing

Once the plan has been presented and discussed, we ask you to confirm your acceptance of the plan.

Step 3: Do

Once we have your commitment to the plan, we will assist you where possible to implement the recommendations. To ensure you remain on course to achieve your financial, investment and lifestyle goals, we will regularly review your financial plan and strategies with you, and guide you along your financial journey.

Internal and external factors may require changes to your financial plan and our review will address these factors. They include:

Ongoing Support

Once your personal financial plan has been completed and implemented, our ongoing financial planning service encompasses the following components:

Strategic Reviews
Ongoing, periodic reviews of your full financial situation and strategic plan, covering objectives, assets & liabilities, cashflow, superannuation strategies, insurance and estate planning.

Investment Management
We actively monitor individual investments, investment markets, economic circumstances and your personal portfolio - and contact you if we believe your investments need to be adjusted.

Personal Financial Adviser
Your adviser and their support team are available for you to contact at any time should you wish to discuss, or have any concerns about, any financial planning matter.

Keep In Touch Program

• Quarterly Newsletters: We will send you regular newsletters keeping you abreast of any financial planning matters.
• Information Bulletins: We will contact and, if necessary, recommend adjustments to your financial plan when government legislation involving superannuation, taxation and investment changes.
• Seminars: You will be invited to free educational seminars that are relevant to your objectives and needs.