Our financial planning process is structured to make receiving advice collaborative, simple and transparent. Here's how we work together:
The first appointment is about getting to know each other and is free of charge.
Come with your financial goals and details of your income, superannuation, debts, assets, and insurances so we can work out how we can help you.
If you decide to proceed to the next stage, we will discuss all fees and charges with you at this point.
We will present and explain our recommendations to you in a written document known as a Statement of Advice. This forms the basis of your financial plan.
We will arrange an appointment with you to take you step by step through the plan, answer any questions you have, and make any modifications you require.
We will also fully disclose any associations we have with financial product issuers or other parties, and any advice fees and commissions.
If we recommend a specific financial product, we will provide a Product Disclosure Statement so that you can make an informed decision.
Once you give the go-ahead, together we will help you implement your chosen strategies.
This may involve setting up investment or insurance products or us liaising with other professionals, like your accountant or solicitor, where necessary.
Your financial plan should not be a set and forget solution, but should be a living document that adapts to change.
It is important you seek regular checks and let us know if your circumstances change. We recommend a review of your financial position and investments at least on an annual basis to ensure your plan continues to meet your needs.