Our Financial Planning Process

Our financial planning process involves 5 key steps.
Throughout your financial planning journey, your adviser will assist you with any enquiries you may have so that all your questions are answered before you move on to the next step.

When you come to your first appointment, we’ll typically ask you to bring an outline of your financial situation. This will include information such as your income, expenses, assets and liabilities as well as any Superannuation statements or Insurance schedules you may have.

If you aren’t able to get this information, we may also ask your permission to make our own enquiries on your behalf. In doing so, we can make sure that we leave no stone unturned in our efforts to maximise your ability to reach your goals.

Once we know the facts about you, and what you want to do, we’re ready for the next step.

Up to this point is always free of charge.

We will take all the information we have, and identify gaps and opportunities for you to get closer to achieving your goals with greater certainty.

Once we have conducted our research and answered any outstanding questions, we will prepare a written Statement of Advice that outlines our recommendations in detail, the implications for you and more.

This document will cover a review of your existing situation, our proposed recommendations and where applicable projections of your future situation. This document will include full detail of all costs incurred as well as our own fees and charges.

We don’t just point you in the right direction, we partner with you the whole way through.

The execution of the advice, precisely in line with our recommendations, is a critical role and one that is important that you do not undertake on your own. We will walk you through the paperwork required, lodge forms and respond to queries on your behalf (only where appropriate of course). We will make every effort to ensure the implementation process is as simple for you as can be.

Beyond simply ensuring this is done correctly, we are able to provide the benefits and circumvent the problems that can come up that you only get to know with experience. Where applicable, our professional relationships with product providers also help to streamline the process and escalate issues when something inevitably comes up which is out of the ordinary.

Putting a plan in place is a very big and very important first step. Keeping to the plan, is often more than just a matter of being diligent.

Sometimes life throws us curve balls and we need to re-evaluate, occasionally governments make changes which move the goalposts and sometimes new options become available that help us get there sooner.

In providing a service of ongoing review, you will always have someone in your corner watching out for you. When things change, our ongoing service will help you to adjust your plan where required and adapt to make the most of the changes