Our Process

1. Our First Consultation:

Our first meeting is an opportunity for you to meet with one of our Advisers so you can explain to us what you are looking to achieve now and in the future.

At this meeting we also gain an understanding of your current situation and explain some of the financial strategies that may be appropriate for your personal circumstances.

2. Initial Strategy Analysis:

Following this meeting, we will send you a ‘Financial Advice Proposal’ which confirms our discussions and provides an overview of the strategy options we consider relevant. This proposal will include a quote for our ‘Initial Advice Fee’ which is based on the complexity of work required.

3. Our Initial Advice Preparation

When you have engaged our professional services, we undertake a more detailed data collection to confirm all details relevant to your current financial position. We then prepare our comprehensive financial modelling and analysis to assist us in developing your recommended strategies.

Following this, we meet with you to explain the available options including our recommended approach. We also explain the ongoing advice services we provide and the costs associated with this, to ensure you remain on track to achieve your financial goals and objectives.

4. Advice Documentation

Once we have agreed on the financial strategies that best suit you, we document our advice in your Statement of Advice (personal financial plan). Your financial plan will re-confirm the costs associated with our advice.

We will send your Statement of Advice via mail (or email if preferred) so you can read it in your own time. Once you have considered it, we will arrange to meet with you to go through the Statement of Advice and answer any questions you may have.

5. Our Initial Advice Implementation

Provided you are comfortable with our recommendations; we obtain your ‘Authority to Proceed’ which then enables us to implement the strategies. At this time, we also organise all the paperwork required. Our goal is to make this part of the advice process as simple and straightforward as possible for you.

We will coordinate all the paperwork, complete and lodge the relevant forms and follow up with the relevant financial institutions to ensure a smooth, efficient and timely implementation of our advice and keep you informed of progress and answer any questions along the way.

6. Referral to Other Specialist Advisers

If additional specialist advice is required as part of your overall financial plan, we will happily liaise with other professional advisers, for example a Solicitor for preparation of Estate Planning arrangements, or an Accountant in relation to tax planning matters. We respect any existing relationships you may have and we are happy to work with your chosen specialist professionals.

7. Ongoing advice service

Once we have implemented your financial plan it is important we continue to work with you to update your position and to periodically assess your progress towards achieving your financial and lifestyle goals.

As part of our advice implementation process we will ask you to sign an ‘Ongoing Advice Service Agreement’ that sets out the ‘ongoing’ advice and services to be provided to you and the associated cost. We will review this with you annually as part of our regular reviews.

We consider the ongoing advice we provide just as important as the initial advice. This is because over time we expect there will be changes in your circumstances, or your financial and lifestyle goals may alter.

Governments also continually change legislation relating to tax, superannuation and social security which may mean adjustments to your financial plan to ensure you remain on track to achieve your goals.

It is also important to review your investments on a regular basis and rebalance portfolios as required. This helps to ensure your investment approach continues to align with your risk profile (within a
level of risk that you are comfortable with) and is structured to achieve the long-term return objectives previously established with you.

Through our ongoing advice we aim to ensure you have peace of mind, knowing that you have the right financial strategies in place to achieve what is important to you now and in the future.