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We have answered the questions that most clients ask in regards to our business and the services we provide.


What is financial planning


Financial planning is about understanding your financial goals and putting a plan in place which will help you achieve them. Financial planners are trained experts who can help you build, manage and protect your wealth. 

Topics your financial planner can advise you on include:

  • Maximising your superannuation contributions

  • Tax effective strategies

  • Transition to retirement

  • Retirement planning and cashflow projections

  • Centrelink Age Pension eligibility

  • Investments – inside and outside of superannuation

  •  Life insurance advice and structuring

  • Debt reduction strategies

  • Cashflow management and budgeting

  • Self-managed Super Fund advice and establishment


Do I need financial planning advice?


Let's say you are reading this because you're thinking about getting professional financial planning advice. That's a great start. Because the fact is that no matter what your personal circumstances are now, you probably have some dream of where you'd like to be in the future. Or you may be in the fortunate position of having some money to invest. There are many reasons why you might need professional financial planning advice including:


  • You're changing jobs or just want to review your options under Super Choice.

  • You want to plan now for a comfortable retirement.

  • You have an inheritance, redundancy or other lump sum to invest.

  • You want to make sure your family is protected if something happens to you or your partner.

  • You are planning to buy an investment property.

  • You are single again after a long relationship, due to divorce or the death of your partner.

  • You are starting your own business.

  • You are planning a major life change, such as marriage or retirement or moving house.

  • You want to make sure you leave something for your children or grandchildren.


How does financial planning work?


There are five steps in our financial planning process:


1. Make an appointment:


Call 03 8564 8525 to book a time to meet with our Financial Adviser . During this call a member of our team will ask you several questions to identify what information and advice you may be seeking.  Then, if suitable, they will arrange a convenient time for a face-to-face meeting or a phone appointment.

2. Complete the needs analysis guide


Several days after you make an appointment, you will receive a Welcome pack. This pack has the date and place of your appointment but most importantly it includes the needs analysis guide. You must complete part A of this guide before you attend your meeting with us.


3. Your first meeting


The first meeting with us is about identifying and understanding your goals. This is done by reviewing the information in the needs analysis guide. No personal advice will be provided at this meeting.


4. Quote


Once we understand your advice requirements we will give you a written, fixed price quote to develop a personal statement of advice. The quote details any costs and associated fees. There are no obligations and you decide if you wish to proceed with getting a plan.


5. Getting your statement of advice


Once you decide to get a plan it will take us two to three weeks, depending on the complexity, to do the analysis and put the recommendations together. We will then arrange a meeting to take you through your statement of advice. Once you are happy with it, the strategies can then be implemented with the help of your planner as agreed.


What should I bring?


A few days after booking an appointment you will receive a Welcome pack via email or post. This pack contains a letter letting you know the time and place of your meeting, a needs analysis guide and a checklist of what you need to bring to the meeting.  


How will my financial advice get put into practice?


In financial planning, putting the advice into action is referred to as implementation. When we present your completed plan to you , we will also discuss implementation options and costs. Some people prefer to do the implementation themselves while others prefer to pay for this service. The choice is yours.


What does financial planning cost?


There is no charge for the initial meeting. However, legally we are unable to provide any 'personal' advice without undertaking further investigation.

Once we understand your financial situation and goals you will be given a quote detailing the type and cost of advice which would be most useful to you. Our Fee-For Service rate is $300 (plus GST) per hour, the total cost is dependent on the type and complexity of advice we are providing to you. You are also able to 'scale' the advice provided to only address your immediate Financial Planning requirements and what you are able to afford at the present time. Please refer to our Financial Services Guide (FSG) for more information in relation to fees and charges.

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