Process

It is important that we are afforded the time to properly consider your needs, and any strategies which would be appropriate to you. Our process for helping our clients is best described as follows. 

Step 1: Initial meeting

• Purpose is for us to understand why you are seeking advice and what is important to you.
• We will explain the financial planning process and how we help individuals/families.
• We will explain how we charge for our services and provide you with a Financial Services Guide and Privacy Policy. 

Step 2: Understanding you

• Should you be comfortable with us, we will put together an engagement letter which clearly outlines what it is you are seeking advice about, what we will do to help you and provide you with a quote. 
• ​It is necessary that we understand as much about you as possible, as a result we will need you to complete a short questionnaire which allows us to understand you.

Step 3: Analysis and strategy

• We will review your current circumstances, as well as your existing investments, superannuation and insurances (where applicable). 
• Identify any shortcomings which could adversely impact your goals. 
• Understand your tolerance to risk by undertaking an analysis to determine your suitability to risk.
• We will construct a Statement of Advice which articulates our strategic advice, any product recommendations and the total fees involved for completing the work, as well as any ongoing fees. 

Step 4: Plan presentation meeting

• We will meet with you to go through the Statement of Advice in person. 
• In addition to the strategic advice, product recommendations and upfront/ongoing fees, we will also have the paperwork required to implement our advice, as well as the relevant Product Disclosure Statements.

Step 5: Implementation

• Should you agree to proceed with our advice, we will implement it on your behalf and keep you up to date with our progress.
• Upon completion, you will receive a confirmation letter. 

Step 6: Ongoing review

• Once the plan is implemented we believe in reviewing the strategy put in place as your circumstances can change which means that the strategy may need to be amended. However you need to agree to this service, signing the ongoing service agreement we will put together for you. 
• Where applicable, you will receive ongoing reports direct from the product provider keeping you up to date.
• Should your circumstances not significantly change, any further advice will be provided through a Record of Advice which we will give you. 
• It is important you allow time throughout the year to meet and ensure you are financially on track.​