How we will assist you

• Our Services
• Insurance Options
• Insurance Providers
• Your Needs

We offer transparent ethical expert advice, to help you get your financial house in order.

We can help you…

• Protect your wealth and help you build wealth
• Reach the goals and objectives you want to achieve
• Manage the road map to a comfortable retirement
• Manage your cash flow efficiently and effectively
• Review your debts and ensure cash flow is managed
• Align your business to your financial goals
• Manage changes to your financial situation

What can my Financial Planner do for me?

What stage are you at right now? building your wealth? nearing retirement? starting a new business? Getting ready to retire?
Whatever stage you’re at, getting financial advice from a qualified financial planner could benefit you in many ways – check the situations below to see how.

• I want to protect my wealth and family – in case my partner or I die or get sick – Advice on types and forms of risk insurance.
• I’m nearing retirement – Suggest strategies for making the most of your Super.
• Retirement is still a long way off – Show you how to potentially increase your eventual retirement payout without sacrificing your lifestyle now.
• I don’t know what’s happening with my Super – Track down your Super from different jobs and consolidate it.
• I’ve recently been made redundant – Offer advice on how to invest any redundancy payment – or how to cope financially while you find a new job.
• I’ve just become my own boss – Discuss strategies to protect your income and maximise your Super.
• I want to build my wealth – Show you how to grow your wealth through innovative strategies like Margin Lending.
• I’ve just received a surprise windfall – Suggest ways to invest any surplus funds for maximum gain.
• I want to buy an investment property – Provide strategies for investment gearing and risk protection.
• I want to look at estate planning – Look at your assets and opportunities.

The Consultation Process

Start with a no-obligation meeting, at no charge.

Your first meeting with your Financial Planner is free, and there’s no obligation or pressure to proceed. During this meeting, your financial planner will ask you some questions to get an understanding of your goals, attitude to risk and financial circumstances.

If you decide to go ahead with a financial plan, the consultation process will involve the following:

• Collect – your financial planner will ask you to provide details (such as your income, assets, liabilities, investments and other financial details) so they can get an accurate picture of your finances.
• Recommend – using your details, your financial planner will recommend strategies to help you achieve your goals, then develop and present you with their recommendation in writing (called a Statement of Advice).
• Discuss – your financial planner will then seek your approval for the strategies they have recommended and make any adjustments you require.
• Implement – once you accept your planner’s recommendation, they will go about putting any agreed strategies in action.
• Review – your planner will offer to regularly review your plan to ensure it remains aligned to your goals and circumstances when things change.

Remember, you’re always in control – you can decide to stop, change or continue with your plan at any stage in the process.

What information do I need to provide?

So that your plan is both in tune with your circumstances and achievable, you’ll need to provide your planner with some detailed information about yourself.

Use the checklist below as a guide.

Your financial details

• What’s your personal annual income?
• What’s your combined family income?
• What do you expect your future income to be (including any inheritances)?
• What are your family circumstances? (e.g. How many children do you support?)
• What are your current assets and liabilities?
• What do you pay in tax and do you owe any tax?
• What Super and insurance do you have?
• What investments do you have?

Your personal situation and goals

• How old are you?
• When do you want to retire?
• How do you want to educate your children?
• Is a second home (like a holiday house or investment property) important to you?
• Do you have dependants you need to provide for?
• Do you have an up-to-date Will?
• Are there any significant expenses on the horizon?