This step requires the most work from by you to gather and supply information to us, so we can develop a Statement of Advice (Financial Plan) tailored for you. You’ll be asked to complete questionnaires including:

• The Household and Expenses Workbook
• The Risk Profile Questionnaire
• The Health Review

You’ll be asked to:

• Provide your financial statements such as payslips, loans, superannuation, tax returns and more.

And finally, you will be asked to complete an Insurance and Superannuation authority form, giving us permission to gather information on your behalf from your current providers.

Our initial appointment.
Meeting Duration: 1 hour

As financial advisers, we must first get to know you before we can develop a functional financial plan for you. We will be asking a lot of questions to help us establish your current financial position, your short term and long-term financial goals and objectives.

Some questions may seem invasive. We’ll ask about your personal health. We’ll ask about your current financial position (warts and all). We’ll ask if you plan to have a family. Or if maybe you already have a family but are divorced and paying child support. Do you want to send your children to private school? Do you want to buy an investment property? Do you intend to travel? Do you need to support ageing relatives?
These are just examples of how your family and health are intertwined with your financial plan. These questions enable us to accurately scope the financial services you require, and our fees associated to those services.

After your Initial Financial Planning Meeting in Step 2, we will take some time to perform our research into your current situations and products. Timing can be dependent on your existing products providing the detailed information to us. During this process we may contact you to clarify any information or your goals as required.

This part is super fun as this is where we come up with strategies to meet your specific goals and objectives.

For each of these strategies, we will review and consider the financial outcome if implemented, the costs associated, and what other alternatives may be available. We’ll research and develop various financial models to help pave the path towards your goals.

We summarise all of this information into a Statement of Advice (also known as the SoA or the Financial Plan).

In Step 5, we’ll present your Statement of Advice to you.

Meeting Duration: 1-2 hours

We summarise all the detail from Step 4 into a Statement of Advice which we then meet and discuss. This meeting is very interactive - highlighters and post-it notes included!

We’ll take you through our recommendations in plain English to enable you to understand and make an informed decision on which of our recommendations you would like to proceed with implementing.

Our clients really enjoy this meeting as it is exciting to plan out your financial future and provide you with peace of mind.

This is also our favourite part too! We will proceed with implementing the recommendations agreed with you.

Once we all agree on the next steps forward, our team will work on getting the wheels in motion to realise all facets of your financial plan.

This step involves a lot of admin from our end. The implementation timing can vary dependant on the responsiveness of your existing superannuation and / or insurance providers.

Rest assured we aim to maintain consistent contact with these providers to expedite the process where possible.

Once everything is in place, you will be notified so you can feel confident in knowing your financial plan is in action.

You’ve invested in your plan. Now you need to stick to it! Our Ongoing Service ensures you continue to have us working in your corner, adjusting and adapting your Financial Plan as life evolves.

Any change to your finances, big or small, can have a dramatic effect on your expected outcomes, risk factors and time factors on your financial plan.
A car, a house, a caravan, private school, inheritance or changes in your business are just some examples of how your finances can change.

Regular adjustment is the only way to ensure you stay safely and confidently on route to your original destination goal. Our Ongoing Service is based on your financial situation after the implementation of our initial advice.

We will discuss this in more detail once we have provided our Statement of Advice as we will be in a better position to quote on the time required.

Most of our clients choose Ongoing Service to maximise their initial investment, choosing to keep us in their corner with continual tweaks to their financial structures to ensure they stay on course. Read more about our Ongoing Service Program here.