Our Advice Process

 

There’s often confusion about what a financial planner does.  Usually because it’s not just one thing, it’s an amalgam of several steps and comprises various areas like insurance or investing. Some areas are larger and better known than others, but every step and every area holds importance.

Our advice is always guided by what is important to you, and asking the right questions is what we do. We look at where you are now, where you want to be in the future and then identify the opportunities to ensure you reach your goals. We focus on you.

We want you to understand our process and why we follow it.

What’s Important to You?

Rather than ask ‘where am I going?’, first ask ‘what’s important to me?’

  • What’s important to you about your family?

  • What’s important to you about your health?

  • What do you value most about your lifestyle?

  • What are your career goals?

  • How do you feel about your investments?

  • How important is financial protection for your family?

  • How does your ideal retirement look?

  • What are your estate planning goals?

  • What’s important to you about your community?

Where Are You Now?

What is your position to build upon?

  • What are your Assets?

  • What are your Liabilities?

  • What is your annual income?

  • What is your annual expenditure?

  • What insurance protection do you have?

  • Do you use any business structures?

  • Do you have Wills and an estate plan?

  • Do you have enduring Power of Attorney?

What’s Getting in Your Way?

Identifying the hurdles.

  • Are you paying too much tax?

  • Do you have a poor investment process?

  • How well do you make investment decisions?

  • Are you paying excessive fees?

  • Are you using an inappropriate ownership structure?

  • Do you have poorly aligned asset allocation?

  • Do you have inadequate family protection?

  • Is your estate planning incomplete?

  • Are you missing strategic opportunities?

How Can You Improve Your Future?

Highlighting all the options.

  • Detailed projections of future cashflow

  • Reduce tax liabilities

  • Appropriate portfolio constructions

  • Better investment returns

  • Retirement income improvements

  • Adopting optimal strategies

  • Improved ownership of assets

  • Protecting those you love

  • Comprehensive estate planning

This is your future.

  • Clear projected financial improvement

  • Increased future assets

  • Lower tax liabilities

  • Lower investment fees

  • Increased retirement income

  • Correct assets ownership

  • Adequate family insurance protection

  • Sound estate planning outcomes

Are You on Track?

Continually on the look out.

  • Will you reach your goals?

  • Are your tax liabilities well managed?

  • Are your investment fees controlled?

  • Is your family protected against risks?

  • Are your investment returns sound?

  • Will your estate wishes be met?

  • Will your investments cope with market volatility?

  • Do the right people own the right assets?

  • Will you live your ideal lifestyle?

You can see that the process of assessing these elements and then formulating a tailored plan to help you achieve not only your financial, but your life goals as well, is complex and requires a thorough understanding of many aspects of financial and legal planning.

We welcome you to contact us today and find out how we may be able to assist you in reaching your financial goals.

Your full financial situation would need to be reviewed prior to acceptance of any offer or product.