Financial Planning

What is financial planning?

Listening to people. About their unique circumstances, understanding what they want to do, what are their needs and dreams, and what really matters to them.

Yes, it is important for advisers to have the expertise and skills of their discipline. But only by taking the time to truly understand the other person can we then move on to provide advice that is sound and appropriate.

And of course you must be comfortable with the person with whom you’re dealing. It’s about people, not just money.

So the process goes like this:

  • We have an initial meeting at which we learn about each other. We look at assets, liabilities, income, etc.– but critically we must understand what’s important to you. Protecting the family, succession, retirement, Centrelink eligibility, what to do with your Super Guarantee ......

  • That first meeting is free of charge and obligation. The simple aim is to establish whether we can be of help, and are we right for you.

  • If the answer is no, we part friends. At least we know. If the answer is yes, we will gather full, detailed information and prepare you a set of recommendations. We meet again to discuss these personally. We quote you a fee upfront before you commit to anything. The resulting plan is yours to keep without further obligation.

  • If there are any ongoing services that form part of the plan, such as portfolio management, insurances, superannuation, investment, again the cost of those services will be quoted in advance, prior to any commitment on your behalf.

This could be the start of a beautiful friendship ......