The advice process
DEFINING THE SCOPE OF ENGAGEMENT
Guiding you to financial independence starts with taking an open, honest and in-depth look at your life today, understanding the choices you’ll need to make in the future and how this will influence the goals you seek to achieve.
This will enable us to define the scope of advice you’ll need.
LAYING THE FOUNDATIONS
You may have heard the saying, “A goal without a plan is just a wish.”
Think of your first meeting with us as laying the foundations for your future – an opportunity for you to talk, us to listen and in questioning, reveal a clear set of specific and targeted goals.
LOOKING AT THE COMPLETE PICTURE
Once we’ve identified your goals, we’ll look to build a deeper understanding of your finances. For example, any existing loans or assets such as shares or an investment property that you may hold, right through to your super fund and insurances.
We know the thought of wading through your paperwork is probably as appealing as getting your tax done, so providing you grant us authorisation to access your details, well liaise directly with each individual provider to gather the information for you.
KNOWLEDGE AT WORK FOR YOU
Using your goals as the criteria, we’ll draw on our expertise to develop a plan tailored to your needs – consider it the point in time where your future, meets insight.
A good financial plan should act as a roadmap for life with timeframe and purpose contextualising each waypoint. Our plans move beyond ‘generalised advice’ and instead specify a target and a strategy for achieving each individual goal; those goals that collectively enable you to live your life, not just enjoy your retirement.
PRESENTING YOU WITH YOUR PLAN
After completing your plan, we’ll provide you with a formal Statement of Advice and arrange a time to discuss it in person. This allows us to confirm it meets both your needs and expectations.
YOUR FUTURE, IN ACTION
From here on in, it’s all action as we start to implement your plan for you.
The steps at this stage will be dependent on the strategies we’ve chosen to apply and may involve us working together with our industry partners – for example fund managers, accountants, mortgage brokers or solicitors.
WITH YOU FOR LIFE
One of our firmly held beliefs is that you can’t set and forget a strategy. So once everything is in place, we’ll contact you periodically to arrange a time to ‘reflect and review’. And if life changes in between, well then it’s time to pick up the phone and book an appointment with your financial planner.
Ben Ades
Karina Yates
