We provide professional and tailored financial advice in the following areas:
- Self-managed super funds (SMSFs)
- Insurance and risk management
- Retirement planning
- Estate planning
- Aged care advice and placement services
- Budgeting and cash flow management
- Debt structures and management
- Investment management
- Small business advice
How our financial advice process works
As a client, we undertake a six-step process with you to maximise your financial potential and effectively reach your goals.
1. Your first appointment
To provide you with the most comprehensive financial advice, we need to understand your current financial situation. This involves asking a lot of questions!
At your first appointment, you will typically be required to bring an outline of your financial situation, with information such as the following:
- Superannuation statements
- Insurance schedules
If you’re unable to obtain this information, that’s okay. With your permission, we are able to make enquiries on your behalf to ensure we have all your necessary financial details.
This first stage is crucial to ensure all of our advice is completely tailored to your unique financial situation, which will in turn maximise our ability to help you reach your goals.
2. Your goals
What are your financial goals? Whether they are big or small, we have the knowledge and tools to develop a plan oriented towards your specific objectives.
Some goal examples include:
- “I want to maintain my current lifestyle when I retire.”
- “I want to save money for my child’s school fees.”
- “I want my family to be financially secure if anything happens to me.”
- “I want to buy a Lamborghini.”
Equipped with knowledge about your current financial situation and what you want to achieve in the future, we can provide you with expert advice.
Throughout this process, rest assured that you are in the right hands – we have years of experience, and comprehensive knowledge of the changing industry landscape, including legislative, economic and product changes.
Armed with your information, we undertake thorough research to identify relevant gaps and opportunities, allowing you to achieve your goals with greater certainty.
During this research stage, we may have further questions for you so we can gain a deeper understanding of specific details regarding your position and goals.
4. Your tailored recommendations
Following our research, we will prepare a Statement of Advice for you – this is a comprehensive legal document that generally covers the following areas:
- Review of your existing situation
- Our proposed recommendations
- Implications arising from recommendations
- Projections of your future situation
- Full detail of fees and charges incurred
5. Implementation of recommendations
It is critical that the implementation of our recommendations is completed in an accurate and timely manner. To make this happen, we are with you every step of the way and endeavour to make the process as straightforward as possible.
We will guide you through any necessary paperwork and, where appropriate, lodge forms and respond to queries on your behalf.
Our experience allows us to not only ensure that your recommendations are implemented correctly, but also to avoid potential problems that can arise. We maintain professional relationships with product providers to streamline the implementation process and escalate issues when necessary.
6. Review & revision
Putting a plan in place is an important first step to maximise your financial future and achieve your goals, however it is certainly not the final step.
Your financial situation is likely to change in the future. Whether you decide to purchase a new house, get married or divorced, switch jobs, have a child, or retire, decisions such as these will have an impact on your financial situation and the relevance of our initial recommendations.
Sometimes government changes occur that directly affect the financial services industry. Financial product providers are also constantly seeking to improve their product offerings. These are things that can affect your situation, but they can be difficult to keep track of.
Fortunately, that’s where our ongoing review service comes in. By monitoring the changing industry and offering regular reviews of your financial situation, we are able to adjust your plan where necessary and help you adapt to make the most of these changes.