The planning process

Our financial planning process is structured to make seeking advice straight forward and transparent. Our financial planners will work closely with you at each stage of the process so that they have a full understanding of your personal situation and lifestyle goals to develop a plan suited to your needs.

Here’s how we work with you


First appointment

We meet with you to get an understanding of your situation.

Strategy development

We develop strategies to achieve your objectives.

Strategy recommendation

We present the financial plan called a Statement of Advice to you and discuss how it meets your needs.

Implementation

We apply the agreed recommendations.

Ongoing planning

We review and respond to changes in your circumstances throughout your life.

First appointment

The first meeting is free of charge. It is about meeting a financial planner, understanding your current situation and financial goals, and working out how financial advice can benefit you. If you decide to proceed, we will discuss all fees and charges with you at this point.

Strategy development

With a clear understanding of your situation, your financial planner will work on developing the appropriate strategies to help you achieve your financial goals.

Strategy recommendation

Your financial planner will arrange a meeting with you to take you step by step through their recommendations, which will be outlined in a document known as a Statement of Advice.

In this meeting your financial planner will explain the details of the Statement of Advice, demonstrate how it achieves your goals, and answer any questions you have.

They will also fully disclose any associations they have with financial product issuers or other parties, and any advice fees and commissions. If a specific financial product is recommended, you’ll also be provided with a Product Disclosure Statement so that you can make an informed decision.

Implementation

Once you give the go-ahead, you and your financial planner will implement the plan together. This may involve you setting up the investment and insurance products recommended in your plan, and your planner working with other specialist professionals, such as your banker, accountant or solicitor where necessary.

Ongoing planning

We understand that your financial plan isn’t a one off solution. Your circumstances, lifestyle and financial goals will change over time, and therefore it’s important your financial plan stays in step and, if other things change, it does too.

At regular intervals you and your financial planner can review progress towards your financial goals. This helps you decide if your plan needs to change. It also gives you an opportunity to review any new financial products or services, and look at any changes to legislation or taxation that may impact you.

Want to know more?

Arrange an obligation free appointment with a financial planner online or call 1300 558 863 from Mon-Fri 9am - 6pm (AEST/ADST)

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