How We Work

We provide holistic financial advice. Our advice is different for every client we see.

A core part of our philosophy is recognising that every client is different and our value lies in our ability to provide advice tailored for each client's individual circumstances.

We work with clients to build and implement a financial plan for them. We consider and discuss alternatives, we help clients understand their choices and trade offs. Once a decision has been made, we assist clients to put their plan into effect.

For our clients, financial confidence comes from knowing that we will always be honest with them and do our best to help them.

We don't just point people in the right direction and wish them luck. We know that life has a habit of changing. Markets can change, legislation can change, health can change and client goals can change. Part of our job is to work with clients and adjust their strategy as required to ensure they can navigate these changes and still end up where they want to be.

Planning

There are two parts of our planning process:

We focus on who you are, what you want and need. We'll help you prioritise your goals and test your tolerance to risk. We take stock of your financial position to evaluate how you can achieve your goals and objectives.
We begin creating financial strategies. This involves developing multiple scenarios, undertaking further research and liaising with your other professional advisors. Throughout this process, our regular communication with you means you have input on the creation of your financial plan.

Once finalised, we present you with your Financial Plan in a prescribed written format called a Statement of Advice (SoA) and allow you time to further study our recommendations.

Implement

No great plan is worth the paper it is written on — unless somebody does the heavy lifting to make it work.

When you're comfortable with our advice, you'll sign our Authority to Proceed and formally engage by signing our Ongoing Care agreement.

With finances, one mistake can lead to financial ruin. We implement your financial plans on your behalf. This important step is not included to save you time, it's included because our financial experience means we understand every nuance, nook and cranny regarding putting your financial strategy into action.

Implementation may be a simple roll over of several super funds into one, the creation of several tax structures or coordinating several professionals including accountants and solicitors for you.

Review

Financial advice is only valuable if it is complimented by ongoing opportunities to adjust and realign.

Structured reviews provide comfort that your goals remain relevant with the changes in your life. We call this the professional step. Modifications to your existing plans will often be required. Just as your Doctor will ask you to visit for a regular check — so will we.

Our ongoing service and advice commences in accordance with the relevant Ongoing Service Agreement upon execution. We generally review Ongoing Service Agreements every 12 months.

Planning Process

Our Process

Planning

Implement

Review

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