We offer a four-step process to developing a comprehensive financial plan that is tailored specifically to your needs.
Step 1 – Getting to know you and understanding your needs
Before the initial meeting, we’ll send you our “About you” form for you to complete and send back to us before the initial meeting with any other relevant information. This allows us to prepare in more detail for the meeting.
Our initial meeting is all about getting to know you, giving us a clear picture of your current position and your personal and financial goals. We will bear the cost for the initial consultation.
If you do proceed, we will discuss the fees involved with the preparation of a plan, which will depend on the level of consultation and your specific financial requirements.
Step 2 – Presenting the plan
A follow-up meeting will then be arranged where we present our plan based on what was discussed at the initial meeting. We will present strategies and products designed to meet your financial objectives. This is called a Statement of Advice. We will present you with a range of supporting material that explains the strategies and investment concepts, along with Product Disclosure Statements for any recommended products in your financial plan. These outline the risks, costs and fees involved with the specific products recommended. Our aim is to be totally transparent and up-front so that you are in the best position to make decisions about the plan presented. Once you have reviewed the plan and advised us of any adjustments, we will finalise the plan and complete the agreement.
Step 3 – Putting the plan into action
Once you are happy with the contents of the plan, we move to the implementation stage. This could involve changes to your existing investments as well as implementing new investment strategies.
Step 4 – Regular Reviews
Financial planning is an ongoing process that is built on establishing a strong relationship with you. We will review your plan regularly, adjust it according to your circumstances or opportunities that may arise in the economy, financial markets or taxation system. You will always be able to call and speak to your dedicated advisor, and all adjustments and new investments will be fully discussed and agreed upon before implementation.