Financial planning process

Learn about the financial planning process, from initial consultation through to preparing and implementing the financial plan, and conducting ongoing client reviews.

Our client services methodology is based on the following steps:

  1. Initial consultation - Your initial consultation with us is complimentary and without obligation. During this meeting we will discuss your financial objectives, goals for the future and your expectations.
  2. Information gathering - We will work through a confidential questionnaire designed to understand you, your background, investment objectives, risk tolerance and existing investment pattern.  With your express permission, we will also gather information after you’ve left to ensure we fully understand your present situation, investment structures, investments and insurances.
  3. Discuss your financial opportunities - Together we discuss the available strategies to help meet your objectives. We take into consideration the feasibility of these strategies and any gaps. At this meeting you have the opportunity to agree on fees before proceeding.
  4. Preparing your plan - Having thoroughly researched your individual needs and investment objectives, we will develop a detailed and structured financial plan for you. Your plan will detail the strategy, structures, investments and insurances we believe are appropriate for you to meet your goals. It will also detail the benefits, features, and costs associated with the strategy and any products we recommend. The result is a total financial solution presented in a detailed report, called a Statement of Advice, which is unique to you.
  5. Implement a plan - Once the strategies have been formally presented and you’ve had time to consider and agree to recommendations, we will commence implementing the strategies as set out in your financial plan.
  6. Ongoing Coaching and Reviews - We place significant emphasis on the need for ongoing coaching and reviews. Understanding what has changed, whether it be with your personal circumstances or legislative changes, will help us ensure that your plan changes with you to help ensure you track towards your goals.  Coaching is a method to help manage your behaviour and your finances to increase the probability of you successfully meeting your goals.
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