Financial planning is all about helping you to achieve your goals. You work with your financial planner to indentify your financial needs and objectives, current situation and the resources you have available. This is how it works:

1. Preparation

Before you come to us, it’s important that you prepare yourself by thinking about your financial goals. Forget dollars and cents for the moment, and think about where you would like to live, what you’d like to be able to do and who you would like to help.

You also need to collect all necessary paperwork to bring to your first appointment.

2. First appointment

The first appointment with your financial planner is free of charge and obligations. During this session your planner will find out what your financial objectives are, and what type of advice (Full or Limited) you’ll need.

3. Quote

After the first appointment, you will receive a quote on what the advice would cost you. You can then decide if you want to go ahead with a financial plan.

4. Preparation of plan

Once your financial planner has a clear picture of your situation, and a good idea of your attitude to investment risk, security and different types of investments, they develop a detailed written financial plan (Statement of Advice).

All advice is personalised and applies to your specific circumstances and can help you achieve particular financial goals through good planning and investment. Your planner will take into account your short-term and long-term needs, tax considerations, and the level of investment risk you can tolerate when preparing the plan.

5. Second appointment

Your planner will present and explain the financial plan to you in person.

6. Implementation of recommendations

Once you are happy with the strategy, your planner can help you put it into practice. They will help you to complete the necessary forms and documents to implement the recommendations.

Review

Your financial planner can review your situation after for example 12 months or when your circumstances change to ensure things stay on track. However, this will incur an extra fee.