The first step in the process is to get a clear understanding of your assets and liabilities and also your income and expenses. We take the time to investigate your situation in detail so that we can provide you with a full understanding of your existing financial situation.

Every financial plan is different due your individual goals and objectives. Our initial meeting will concentrate on finding out what your unique goals and objectives are which will form the basis for your financial plan.

Your risk profile will greatly affect the various strategies that will be appropriate for you. Based on your wishes and our discussions we agree on a level of risk to take with each of your investments and the potential strategies that would be suitable for you. We have five broad categories of investor profiles to be used as a guide in selecting an appropriate asset allocation.

Based on the above research we create a Statement of Advice (financial plan) designed to meet your goals and objectives that is appropriate for you. Usually, a financial plan may incorporate a combination of different strategies.

• Salary packaging,
• Savings plans,
• Investment portfolio,
• Superannuation planning,
• Borrowing to invest,
• Retirement planning,
• Centrelink strategies.

As part of this process we provide comprehensive projections of your financial situation both before and after are recommended strategies are implemented. Just knowing what your financial future will look like if you continue with your current strategy is very empowering.

We discuss the various strategies with you in details so that you can make a confident decision on the best way for you to move forward.

Most people do not achieve financial freedom because they do not have the simple three steps below in place.

• have a long term view,
• have a disciplined approach,
• hold a diversified portfolio spread across various assets

If you can manage this then you will more than likely be doing well in 20 years – we help you to do this

It is important to increase your wealth to enable you to meet your financial goals and objectives, but even more important is to protect you and your family from the financial hardship of disability or death of a family member.

We strongly recommend that you consider insurance to protect you and your family and have your estate planning needs covered.

• Estate planning
• Life Insurance
• Disability Insurance
• Income protection
• Trauma Cover
• Health Insurance

Part of our service is to help you when making a claim as the last thing you need is additional stress of dealing with an insurance company on your own. We have strong relationships with many of Australia’s insurance providers which enables us to make the claims process as smooth as possible.

Not many people enjoy completing paper work – at the implementation stage we complete the majority of the paperwork for you to ensure that your chosen strategy can be implemented in a timely fashion and with the minimum of fuss.

Many factors in your financial situation may change, such as your income, having children, home ownership, interest rates, government legislation and the economic situation. The only way to keep your plan valid and up to date is to regularly re-asses your existing strategy and make any necessary changes to ensure your strategy is still appropriate for you.

To get the full benefit out of your financial strategy and to have full confidence in all the financial decisions you make, you need to build a long term relationship with your adviser. A regular review program can help create this relationship and build trust so you can make financial decisions with confidence when required and in a timely fashion.